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Side-by-side financial comparison of Natural Grocers by Vitamin Cottage, Inc. (NGVC) and TEXAS CAPITAL BANCSHARES INC (TCBI). Click either name above to swap in a different company.
Natural Grocers by Vitamin Cottage, Inc. is the larger business by last-quarter revenue ($335.6M vs $324.0M, roughly 1.0× TEXAS CAPITAL BANCSHARES INC). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs 3.4%, a 19.4% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs 1.6%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs 4.4%).
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
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.
NGVC vs TCBI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $335.6M | $324.0M |
| Net Profit | $11.3M | $73.8M |
| Gross Margin | 29.5% | — |
| Operating Margin | 4.4% | — |
| Net Margin | 3.4% | 22.8% |
| Revenue YoY | 1.6% | 15.5% |
| Net Profit YoY | 14.0% | 56.8% |
| EPS (diluted) | $0.49 | $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 | $335.6M | $327.5M | ||
| Q3 25 | $336.1M | $340.4M | ||
| Q2 25 | $328.7M | $307.5M | ||
| Q1 25 | $335.8M | $280.5M | ||
| Q4 24 | $330.2M | $229.6M | ||
| Q3 24 | $322.7M | $125.3M | ||
| Q2 24 | $309.1M | $267.0M |
| Q1 26 | — | $73.8M | ||
| Q4 25 | $11.3M | $100.7M | ||
| Q3 25 | $11.8M | $105.2M | ||
| Q2 25 | $11.6M | $77.3M | ||
| Q1 25 | $13.1M | $47.0M | ||
| Q4 24 | $9.9M | $71.0M | ||
| Q3 24 | $9.0M | $-61.3M | ||
| Q2 24 | $9.2M | $41.7M |
| Q1 26 | — | — | ||
| Q4 25 | 29.5% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 29.9% | — | ||
| Q1 25 | 30.3% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 29.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.4% | 40.4% | ||
| Q3 25 | 4.6% | 40.5% | ||
| Q2 25 | 4.7% | 33.2% | ||
| Q1 25 | 5.2% | 21.6% | ||
| Q4 24 | 4.0% | 40.7% | ||
| Q3 24 | 3.7% | -63.8% | ||
| Q2 24 | 4.2% | 21.9% |
| Q1 26 | — | 22.8% | ||
| Q4 25 | 3.4% | 30.7% | ||
| Q3 25 | 3.5% | 30.9% | ||
| Q2 25 | 3.5% | 25.2% | ||
| Q1 25 | 3.9% | 16.8% | ||
| Q4 24 | 3.0% | 30.9% | ||
| Q3 24 | 2.8% | -48.9% | ||
| Q2 24 | 3.0% | 15.6% |
| Q1 26 | — | $1.56 | ||
| Q4 25 | $0.49 | $2.11 | ||
| Q3 25 | $0.51 | $2.18 | ||
| Q2 25 | $0.50 | $1.58 | ||
| Q1 25 | $0.56 | $0.92 | ||
| Q4 24 | $0.43 | $1.43 | ||
| Q3 24 | $0.38 | $-1.41 | ||
| Q2 24 | $0.40 | $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 | $23.2M | — |
| Total DebtLower is stronger | — | $878.3M |
| Stockholders' EquityBook value | $220.0M | $3.6B |
| Total Assets | $668.6M | $33.5B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $23.2M | — | ||
| Q3 25 | $17.1M | — | ||
| Q2 25 | $13.2M | — | ||
| Q1 25 | $21.2M | — | ||
| Q4 24 | $6.3M | — | ||
| Q3 24 | $8.9M | — | ||
| Q2 24 | $13.9M | — |
| 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 | — | $3.6B | ||
| Q4 25 | $220.0M | $3.6B | ||
| Q3 25 | $212.4M | $3.6B | ||
| Q2 25 | $202.5M | $3.5B | ||
| Q1 25 | $193.0M | $3.4B | ||
| Q4 24 | $181.9M | $3.4B | ||
| Q3 24 | $174.3M | $3.4B | ||
| Q2 24 | $167.8M | $3.2B |
| Q1 26 | — | $33.5B | ||
| Q4 25 | $668.6M | $31.5B | ||
| Q3 25 | $670.5M | $32.5B | ||
| Q2 25 | $659.0M | $31.9B | ||
| Q1 25 | $664.6M | $31.4B | ||
| Q4 24 | $648.9M | $30.7B | ||
| Q3 24 | $655.5M | $31.6B | ||
| Q2 24 | $654.4M | $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 | $21.1M | — |
| Free Cash FlowOCF − Capex | $11.6M | — |
| FCF MarginFCF / Revenue | 3.4% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | 1.86× | — |
| TTM Free Cash FlowTrailing 4 quarters | $42.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $21.1M | $360.2M | ||
| Q3 25 | $15.6M | $166.3M | ||
| Q2 25 | $2.9M | $63.0M | ||
| Q1 25 | $34.1M | $368.0K | ||
| Q4 24 | $2.7M | $480.1M | ||
| Q3 24 | $24.5M | $332.8M | ||
| Q2 24 | $12.4M | $33.3M |
| Q1 26 | — | — | ||
| Q4 25 | $11.6M | $347.6M | ||
| Q3 25 | $7.5M | $161.3M | ||
| Q2 25 | $-4.2M | $57.5M | ||
| Q1 25 | $27.6M | $-2.0M | ||
| Q4 24 | $-6.9M | $415.2M | ||
| Q3 24 | $18.0M | $317.6M | ||
| Q2 24 | $3.6M | $11.1M |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 106.1% | ||
| Q3 25 | 2.2% | 47.4% | ||
| Q2 25 | -1.3% | 18.7% | ||
| Q1 25 | 8.2% | -0.7% | ||
| Q4 24 | -2.1% | 180.9% | ||
| Q3 24 | 5.6% | 253.4% | ||
| Q2 24 | 1.2% | 4.1% |
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 3.8% | ||
| Q3 25 | 2.4% | 1.5% | ||
| Q2 25 | 2.2% | 1.8% | ||
| Q1 25 | 1.9% | 0.9% | ||
| Q4 24 | 2.9% | 28.2% | ||
| Q3 24 | 2.0% | 12.1% | ||
| Q2 24 | 2.9% | 8.3% |
| Q1 26 | — | — | ||
| Q4 25 | 1.86× | 3.58× | ||
| Q3 25 | 1.32× | 1.58× | ||
| Q2 25 | 0.25× | 0.81× | ||
| Q1 25 | 2.60× | 0.01× | ||
| Q4 24 | 0.27× | 6.76× | ||
| Q3 24 | 2.72× | — | ||
| Q2 24 | 1.35× | 0.80× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
TCBI
Segment breakdown not available.
