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Side-by-side financial comparison of Bandwidth Inc. (BAND) and TEXAS CAPITAL BANCSHARES INC (TCBI). Click either name above to swap in a different company.
TEXAS CAPITAL BANCSHARES INC is the larger business by last-quarter revenue ($324.0M vs $208.8M, roughly 1.6× Bandwidth Inc.). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs 1.9%, a 20.9% gap on every dollar of revenue. On growth, Bandwidth Inc. posted the faster year-over-year revenue change (20.1% vs 15.5%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs 9.7%).
Bandwidth Inc. is a communications platform as a service company. It sells software application programming interfaces for voice, text messaging and emergency services, using its own global IP voice network.
Texas Capital Bank is a bank headquartered in Dallas, Texas. The bank has branches located in every major city in Texas. Its parent bank holding company is Texas Capital Bancshares. It also operates an online-only banking division, Bask Bank.
BAND vs TCBI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $208.8M | $324.0M |
| Net Profit | $4.0M | $73.8M |
| Gross Margin | 37.3% | — |
| Operating Margin | 60.5% | — |
| Net Margin | 1.9% | 22.8% |
| Revenue YoY | 20.1% | 15.5% |
| Net Profit YoY | 200.0% | 56.8% |
| EPS (diluted) | $-0.08 | $1.56 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $208.8M | $324.0M | ||
| Q4 25 | $207.7M | $327.5M | ||
| Q3 25 | $191.9M | $340.4M | ||
| Q2 25 | $180.0M | $307.5M | ||
| Q1 25 | $174.2M | $280.5M | ||
| Q4 24 | $210.0M | $229.6M | ||
| Q3 24 | $193.9M | $125.3M | ||
| Q2 24 | $173.6M | $267.0M |
| Q1 26 | $4.0M | $73.8M | ||
| Q4 25 | — | $100.7M | ||
| Q3 25 | $-1.2M | $105.2M | ||
| Q2 25 | $-4.9M | $77.3M | ||
| Q1 25 | $-3.7M | $47.0M | ||
| Q4 24 | — | $71.0M | ||
| Q3 24 | $413.0K | $-61.3M | ||
| Q2 24 | $4.1M | $41.7M |
| Q1 26 | 37.3% | — | ||
| Q4 25 | 37.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 39.8% | — | ||
| Q1 25 | 41.0% | — | ||
| Q4 24 | 36.4% | — | ||
| Q3 24 | 37.7% | — | ||
| Q2 24 | 37.3% | — |
| Q1 26 | 60.5% | — | ||
| Q4 25 | -1.9% | 40.4% | ||
| Q3 25 | -1.0% | 40.5% | ||
| Q2 25 | -2.1% | 33.2% | ||
| Q1 25 | -2.7% | 21.6% | ||
| Q4 24 | -1.3% | 40.7% | ||
| Q3 24 | -0.5% | -63.8% | ||
| Q2 24 | -3.5% | 21.9% |
| Q1 26 | 1.9% | 22.8% | ||
| Q4 25 | — | 30.7% | ||
| Q3 25 | -0.6% | 30.9% | ||
| Q2 25 | -2.7% | 25.2% | ||
| Q1 25 | -2.1% | 16.8% | ||
| Q4 24 | — | 30.9% | ||
| Q3 24 | 0.2% | -48.9% | ||
| Q2 24 | 2.3% | 15.6% |
| Q1 26 | $-0.08 | $1.56 | ||
| Q4 25 | $-0.10 | $2.11 | ||
| Q3 25 | $-0.04 | $2.18 | ||
| Q2 25 | $-0.16 | $1.58 | ||
| Q1 25 | $-0.13 | $0.92 | ||
| Q4 24 | $0.27 | $1.43 | ||
| Q3 24 | $0.01 | $-1.41 | ||
| Q2 24 | $-0.17 | $0.80 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $47.3M | — |
| Total DebtLower is stronger | — | $878.3M |
| Stockholders' EquityBook value | $405.7M | $3.6B |
| Total Assets | $984.2M | $33.5B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $111.3M | — | ||
| Q3 25 | $80.4M | — | ||
| Q2 25 | $68.1M | — | ||
| Q1 25 | $41.7M | — | ||
| Q4 24 | $83.8M | — | ||
| Q3 24 | $79.9M | — | ||
| Q2 24 | $76.4M | — |
| Q1 26 | — | $878.3M | ||
| Q4 25 | — | $620.6M | ||
| Q3 25 | — | $620.4M | ||
| Q2 25 | — | $620.3M | ||
| Q1 25 | — | $660.5M | ||
| Q4 24 | — | $660.3M | ||
| Q3 24 | — | $660.2M | ||
| Q2 24 | — | $660.0M |
| Q1 26 | $405.7M | $3.6B | ||
| Q4 25 | $400.0M | $3.6B | ||
| Q3 25 | $392.7M | $3.6B | ||
| Q2 25 | $384.5M | $3.5B | ||
| Q1 25 | $345.4M | $3.4B | ||
| Q4 24 | $312.5M | $3.4B | ||
| Q3 24 | $336.6M | $3.4B | ||
| Q2 24 | $307.4M | $3.2B |
| Q1 26 | $984.2M | $33.5B | ||
| Q4 25 | $1.1B | $31.5B | ||
| Q3 25 | $1.0B | $32.5B | ||
| Q2 25 | $1.0B | $31.9B | ||
| Q1 25 | $964.4M | $31.4B | ||
| Q4 24 | $989.2M | $30.7B | ||
| Q3 24 | $1.0B | $31.6B | ||
| Q2 24 | $1.0B | $29.9B |
| Q1 26 | — | 0.24× | ||
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | — |
| Free Cash FlowOCF − Capex | $-1.0M | — |
| FCF MarginFCF / Revenue | -0.5% | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $360.2M | ||
| Q3 25 | $22.2M | $166.3M | ||
| Q2 25 | $31.7M | $63.0M | ||
| Q1 25 | $-3.1M | $368.0K | ||
| Q4 24 | $36.5M | $480.1M | ||
| Q3 24 | $20.5M | $332.8M | ||
| Q2 24 | $24.4M | $33.3M |
| Q1 26 | $-1.0M | — | ||
| Q4 25 | — | $347.6M | ||
| Q3 25 | — | $161.3M | ||
| Q2 25 | — | $57.5M | ||
| Q1 25 | — | $-2.0M | ||
| Q4 24 | — | $415.2M | ||
| Q3 24 | — | $317.6M | ||
| Q2 24 | — | $11.1M |
| Q1 26 | -0.5% | — | ||
| Q4 25 | — | 106.1% | ||
| Q3 25 | — | 47.4% | ||
| Q2 25 | — | 18.7% | ||
| Q1 25 | — | -0.7% | ||
| Q4 24 | — | 180.9% | ||
| Q3 24 | — | 253.4% | ||
| Q2 24 | — | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 1.8% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 28.2% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 8.3% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.58× | ||
| Q3 25 | — | 1.58× | ||
| Q2 25 | — | 0.81× | ||
| Q1 25 | — | 0.01× | ||
| Q4 24 | — | 6.76× | ||
| Q3 24 | 49.55× | — | ||
| Q2 24 | 6.03× | 0.80× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
