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Side-by-side financial comparison of MONRO, INC. (MNRO) 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 $293.4M, roughly 1.1× MONRO, INC.). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs 3.8%, a 19.0% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs -4.0%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs -2.7%).
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
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.
MNRO vs TCBI — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $293.4M | $324.0M |
| Net Profit | $11.1M | $73.8M |
| Gross Margin | 34.9% | — |
| Operating Margin | 6.3% | — |
| Net Margin | 3.8% | 22.8% |
| Revenue YoY | -4.0% | 15.5% |
| Net Profit YoY | 143.1% | 56.8% |
| EPS (diluted) | $0.35 | $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 | $293.4M | $327.5M | ||
| Q3 25 | $288.9M | $340.4M | ||
| Q2 25 | $301.0M | $307.5M | ||
| Q1 25 | $295.0M | $280.5M | ||
| Q4 24 | $305.8M | $229.6M | ||
| Q3 24 | $301.4M | $125.3M | ||
| Q2 24 | $293.2M | $267.0M |
| Q1 26 | — | $73.8M | ||
| Q4 25 | $11.1M | $100.7M | ||
| Q3 25 | $5.7M | $105.2M | ||
| Q2 25 | $-8.1M | $77.3M | ||
| Q1 25 | $-21.3M | $47.0M | ||
| Q4 24 | $4.6M | $71.0M | ||
| Q3 24 | $5.6M | $-61.3M | ||
| Q2 24 | $5.9M | $41.7M |
| Q1 26 | — | — | ||
| Q4 25 | 34.9% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 35.5% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 35.3% | — | ||
| Q2 24 | 37.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 6.3% | 40.4% | ||
| Q3 25 | 4.4% | 40.5% | ||
| Q2 25 | -2.0% | 33.2% | ||
| Q1 25 | -8.1% | 21.6% | ||
| Q4 24 | 3.3% | 40.7% | ||
| Q3 24 | 4.4% | -63.8% | ||
| Q2 24 | 4.5% | 21.9% |
| Q1 26 | — | 22.8% | ||
| Q4 25 | 3.8% | 30.7% | ||
| Q3 25 | 2.0% | 30.9% | ||
| Q2 25 | -2.7% | 25.2% | ||
| Q1 25 | -7.2% | 16.8% | ||
| Q4 24 | 1.5% | 30.9% | ||
| Q3 24 | 1.9% | -48.9% | ||
| Q2 24 | 2.0% | 15.6% |
| Q1 26 | — | $1.56 | ||
| Q4 25 | $0.35 | $2.11 | ||
| Q3 25 | $0.18 | $2.18 | ||
| Q2 25 | $-0.28 | $1.58 | ||
| Q1 25 | $-0.74 | $0.92 | ||
| Q4 24 | $0.15 | $1.43 | ||
| Q3 24 | $0.18 | $-1.41 | ||
| Q2 24 | $0.19 | $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 | $4.9M | — |
| Total DebtLower is stronger | $45.0M | $878.3M |
| Stockholders' EquityBook value | $604.9M | $3.6B |
| Total Assets | $1.6B | $33.5B |
| Debt / EquityLower = less leverage | 0.07× | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $4.9M | — | ||
| Q3 25 | $10.5M | — | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $20.8M | — | ||
| Q4 24 | $10.2M | — | ||
| Q3 24 | $20.9M | — | ||
| Q2 24 | $18.7M | — |
| Q1 26 | — | $878.3M | ||
| Q4 25 | $45.0M | $620.6M | ||
| Q3 25 | $60.0M | $620.4M | ||
| Q2 25 | $71.5M | $620.3M | ||
| Q1 25 | $61.3M | $660.5M | ||
| Q4 24 | $59.3M | $660.3M | ||
| Q3 24 | $62.0M | $660.2M | ||
| Q2 24 | $112.0M | $660.0M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $604.9M | $3.6B | ||
| Q3 25 | $601.7M | $3.6B | ||
| Q2 25 | $604.9M | $3.5B | ||
| Q1 25 | $620.8M | $3.4B | ||
| Q4 24 | $648.9M | $3.4B | ||
| Q3 24 | $651.9M | $3.4B | ||
| Q2 24 | $654.4M | $3.2B |
| Q1 26 | — | $33.5B | ||
| Q4 25 | $1.6B | $31.5B | ||
| Q3 25 | $1.6B | $32.5B | ||
| Q2 25 | $1.6B | $31.9B | ||
| Q1 25 | $1.6B | $31.4B | ||
| Q4 24 | $1.7B | $30.7B | ||
| Q3 24 | $1.7B | $31.6B | ||
| Q2 24 | $1.7B | $29.9B |
| Q1 26 | — | 0.24× | ||
| Q4 25 | 0.07× | 0.17× | ||
| Q3 25 | 0.10× | 0.17× | ||
| Q2 25 | 0.12× | 0.18× | ||
| Q1 25 | 0.10× | 0.19× | ||
| Q4 24 | 0.09× | 0.20× | ||
| Q3 24 | 0.10× | 0.20× | ||
| Q2 24 | 0.17× | 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 | $17.8M | — |
| Free Cash FlowOCF − Capex | $9.1M | — |
| FCF MarginFCF / Revenue | 3.1% | — |
| Capex IntensityCapex / Revenue | 3.0% | — |
| Cash ConversionOCF / Net Profit | 1.60× | — |
| TTM Free Cash FlowTrailing 4 quarters | $49.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $17.8M | $360.2M | ||
| Q3 25 | $32.3M | $166.3M | ||
| Q2 25 | $-1.9M | $63.0M | ||
| Q1 25 | $28.9M | $368.0K | ||
| Q4 24 | $14.8M | $480.1M | ||
| Q3 24 | $62.6M | $332.8M | ||
| Q2 24 | $25.6M | $33.3M |
| Q1 26 | — | — | ||
| Q4 25 | $9.1M | $347.6M | ||
| Q3 25 | $26.6M | $161.3M | ||
| Q2 25 | $-9.3M | $57.5M | ||
| Q1 25 | $23.2M | $-2.0M | ||
| Q4 24 | $7.9M | $415.2M | ||
| Q3 24 | $57.6M | $317.6M | ||
| Q2 24 | $16.8M | $11.1M |
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | 106.1% | ||
| Q3 25 | 9.2% | 47.4% | ||
| Q2 25 | -3.1% | 18.7% | ||
| Q1 25 | 7.9% | -0.7% | ||
| Q4 24 | 2.6% | 180.9% | ||
| Q3 24 | 19.1% | 253.4% | ||
| Q2 24 | 5.7% | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | 3.0% | 3.8% | ||
| Q3 25 | 2.0% | 1.5% | ||
| Q2 25 | 2.5% | 1.8% | ||
| Q1 25 | 1.9% | 0.9% | ||
| Q4 24 | 2.2% | 28.2% | ||
| Q3 24 | 1.6% | 12.1% | ||
| Q2 24 | 3.0% | 8.3% |
| Q1 26 | — | — | ||
| Q4 25 | 1.60× | 3.58× | ||
| Q3 25 | 5.71× | 1.58× | ||
| Q2 25 | — | 0.81× | ||
| Q1 25 | — | 0.01× | ||
| Q4 24 | 3.23× | 6.76× | ||
| Q3 24 | 11.08× | — | ||
| Q2 24 | 4.37× | 0.80× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
TCBI
Segment breakdown not available.
