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Side-by-side financial comparison of HEARTLAND EXPRESS INC (HTLD) 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 $179.4M, roughly 1.8× HEARTLAND EXPRESS INC). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs -10.8%, a 33.6% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs -26.1%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs -18.5%).
Heartland Express is an American trucking company headquartered in North Liberty, Iowa. The company offers truckload shipping services across the United States.
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.
HTLD vs TCBI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $179.4M | $324.0M |
| Net Profit | $-19.4M | $73.8M |
| Gross Margin | — | — |
| Operating Margin | -12.7% | — |
| Net Margin | -10.8% | 22.8% |
| Revenue YoY | -26.1% | 15.5% |
| Net Profit YoY | -949.2% | 56.8% |
| EPS (diluted) | $-0.24 | $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 | — | $324.0M | ||
| Q4 25 | $179.4M | $327.5M | ||
| Q3 25 | $196.5M | $340.4M | ||
| Q2 25 | $210.4M | $307.5M | ||
| Q1 25 | $219.4M | $280.5M | ||
| Q4 24 | $242.6M | $229.6M | ||
| Q3 24 | $259.9M | $125.3M | ||
| Q2 24 | $274.8M | $267.0M |
| Q1 26 | — | $73.8M | ||
| Q4 25 | $-19.4M | $100.7M | ||
| Q3 25 | $-8.3M | $105.2M | ||
| Q2 25 | $-10.9M | $77.3M | ||
| Q1 25 | $-13.9M | $47.0M | ||
| Q4 24 | $-1.9M | $71.0M | ||
| Q3 24 | $-9.3M | $-61.3M | ||
| Q2 24 | $-3.5M | $41.7M |
| Q1 26 | — | — | ||
| Q4 25 | -12.7% | 40.4% | ||
| Q3 25 | -3.7% | 40.5% | ||
| Q2 25 | -5.9% | 33.2% | ||
| Q1 25 | -6.8% | 21.6% | ||
| Q4 24 | 0.4% | 40.7% | ||
| Q3 24 | -2.7% | -63.8% | ||
| Q2 24 | 0.1% | 21.9% |
| Q1 26 | — | 22.8% | ||
| Q4 25 | -10.8% | 30.7% | ||
| Q3 25 | -4.2% | 30.9% | ||
| Q2 25 | -5.2% | 25.2% | ||
| Q1 25 | -6.3% | 16.8% | ||
| Q4 24 | -0.8% | 30.9% | ||
| Q3 24 | -3.6% | -48.9% | ||
| Q2 24 | -1.3% | 15.6% |
| Q1 26 | — | $1.56 | ||
| Q4 25 | $-0.24 | $2.11 | ||
| Q3 25 | $-0.11 | $2.18 | ||
| Q2 25 | $-0.14 | $1.58 | ||
| Q1 25 | $-0.18 | $0.92 | ||
| Q4 24 | $-0.03 | $1.43 | ||
| Q3 24 | $-0.12 | $-1.41 | ||
| Q2 24 | $-0.04 | $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 | $18.5M | — |
| Total DebtLower is stronger | $154.1M | $878.3M |
| Stockholders' EquityBook value | $755.3M | $3.6B |
| Total Assets | $1.2B | $33.5B |
| Debt / EquityLower = less leverage | 0.20× | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $18.5M | — | ||
| Q3 25 | $32.7M | — | ||
| Q2 25 | $22.9M | — | ||
| Q1 25 | $23.9M | — | ||
| Q4 24 | $12.8M | — | ||
| Q3 24 | $30.7M | — | ||
| Q2 24 | $23.9M | — |
| Q1 26 | — | $878.3M | ||
| Q4 25 | $154.1M | $620.6M | ||
| Q3 25 | — | $620.4M | ||
| Q2 25 | — | $620.3M | ||
| Q1 25 | — | $660.5M | ||
| Q4 24 | $187.9M | $660.3M | ||
| Q3 24 | — | $660.2M | ||
| Q2 24 | — | $660.0M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $755.3M | $3.6B | ||
| Q3 25 | $775.6M | $3.6B | ||
| Q2 25 | $786.7M | $3.5B | ||
| Q1 25 | $807.7M | $3.4B | ||
| Q4 24 | $822.6M | $3.4B | ||
| Q3 24 | $825.7M | $3.4B | ||
| Q2 24 | $836.8M | $3.2B |
| Q1 26 | — | $33.5B | ||
| Q4 25 | $1.2B | $31.5B | ||
| Q3 25 | $1.3B | $32.5B | ||
| Q2 25 | $1.3B | $31.9B | ||
| Q1 25 | $1.3B | $31.4B | ||
| Q4 24 | $1.3B | $30.7B | ||
| Q3 24 | $1.4B | $31.6B | ||
| Q2 24 | $1.4B | $29.9B |
| Q1 26 | — | 0.24× | ||
| Q4 25 | 0.20× | 0.17× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | 0.23× | 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 | $14.9M | — |
| Free Cash FlowOCF − Capex | $-44.2M | — |
| FCF MarginFCF / Revenue | -24.6% | — |
| Capex IntensityCapex / Revenue | 33.0% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-66.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $14.9M | $360.2M | ||
| Q3 25 | $27.5M | $166.3M | ||
| Q2 25 | $21.0M | $63.0M | ||
| Q1 25 | $25.8M | $368.0K | ||
| Q4 24 | $37.8M | $480.1M | ||
| Q3 24 | $35.6M | $332.8M | ||
| Q2 24 | $40.0M | $33.3M |
| Q1 26 | — | — | ||
| Q4 25 | $-44.2M | $347.6M | ||
| Q3 25 | $-12.2M | $161.3M | ||
| Q2 25 | $-12.8M | $57.5M | ||
| Q1 25 | $2.3M | $-2.0M | ||
| Q4 24 | $-45.5M | $415.2M | ||
| Q3 24 | $24.6M | $317.6M | ||
| Q2 24 | $29.4M | $11.1M |
| Q1 26 | — | — | ||
| Q4 25 | -24.6% | 106.1% | ||
| Q3 25 | -6.2% | 47.4% | ||
| Q2 25 | -6.1% | 18.7% | ||
| Q1 25 | 1.0% | -0.7% | ||
| Q4 24 | -18.8% | 180.9% | ||
| Q3 24 | 9.5% | 253.4% | ||
| Q2 24 | 10.7% | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | 33.0% | 3.8% | ||
| Q3 25 | 20.2% | 1.5% | ||
| Q2 25 | 16.1% | 1.8% | ||
| Q1 25 | 10.7% | 0.9% | ||
| Q4 24 | 34.3% | 28.2% | ||
| Q3 24 | 4.2% | 12.1% | ||
| Q2 24 | 3.8% | 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 | — | — | ||
| Q2 24 | — | 0.80× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
