All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2026-09-14.
From the record
Texas Capital Bancshares, Inc.'s filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2026-09-14) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.8% a year over 10 filed years; profitable in 10 of 10.
From the record
Texas Capital Bancshares, Inc.'s 10 filed years say what it did: revenue went from $703 million in fiscal 2016 to $1.8 billion in fiscal 2025, up 10.8% a year; it rose in 7 of 9 years; the deepest fall was 35% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 3.3% a year. 31% of cash flow returned. Insiders: 4 sales, 22 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Texas Capital Bancshares, Inc.'s diluted share count shrank about 3.3% a year, and dividends and buybacks returned about 31% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 22 purchases of their own stock on the open market in the year to 2026-11-05, buying about $4 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 9%: 9¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Texas Capital Bancshares, Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 1.8% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 48% of 155 in its family; net margin 17.7%.
From the record
Texas Capital Bancshares, Inc.'s standing among 155 graded names in its industry family: revenue of $1.8 billion in fiscal 2025 ranks in the top 11% by size; a net margin of 17.7% ranks in the bottom 30%; revenue growth of 15.7% a year over the last 3 filed years ranks in the bottom 38% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 41% of 150 in its family for leadership; chief executive since 2021.
From the record
Texas Capital Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Holmes, Rob C (Chairman, President and CEO, as filed), filing under that title since 2021-02-08, 5.8 years (bottom 37% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 5.5 years (bottom 27%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (top 41%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 48% of 142 in its family for room to expand.
From the record
Texas Capital Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $2.1 billion against debt of $621 million leaves 4.7% of its assets as net cash, top 36% of its family; cash from operations less capital spending is 19.6% of revenue (bottom 32%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 48% of 152 in its family for growth drivers.
From the record
Texas Capital Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 15.7% a year over the last three filed years against 10.8% over all 10, speeding up (top 39% of its family); the newest year grew 2.4% (bottom 37%); capital spending grew 3.7% a year (bottom 47%) (its annual reports). Texas Capital Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 23% of 150 in its family for expectations against reality.
From the record
Texas Capital Bancshares, Inc.'s newest year against its own record: revenue of $1.8 billion in fiscal 2025 came in 16.7% below the $2.1 billion its prior three years' pace pointed to (bottom 45% of its family); net income of $313 million against a prior three-year average of $182 million (top 6%); a net margin of 17.7% against 13.9% before (top 8%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made