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Side-by-side financial comparison of TEXAS CAPITAL BANCSHARES INC (TCBI) and Wheels Up Experience Inc. (UP). 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 $183.8M, roughly 1.8× Wheels Up Experience Inc.). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs -15.7%, a 38.5% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs -10.2%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs -3.4%).
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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
TCBI vs UP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $324.0M | $183.8M |
| Net Profit | $73.8M | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | — | -0.9% |
| Net Margin | 22.8% | -15.7% |
| Revenue YoY | 15.5% | -10.2% |
| Net Profit YoY | 56.8% | 67.0% |
| EPS (diluted) | $1.56 | $-0.04 |
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 | $327.5M | $183.8M | ||
| Q3 25 | $340.4M | $185.5M | ||
| Q2 25 | $307.5M | $189.6M | ||
| Q1 25 | $280.5M | $177.5M | ||
| Q4 24 | $229.6M | $204.8M | ||
| Q3 24 | $125.3M | $193.9M | ||
| Q2 24 | $267.0M | $196.3M |
| Q1 26 | $73.8M | — | ||
| Q4 25 | $100.7M | $-28.9M | ||
| Q3 25 | $105.2M | $-83.7M | ||
| Q2 25 | $77.3M | $-82.3M | ||
| Q1 25 | $47.0M | $-99.3M | ||
| Q4 24 | $71.0M | $-87.5M | ||
| Q3 24 | $-61.3M | $-57.7M | ||
| Q2 24 | $41.7M | $-97.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% |
| Q1 26 | — | — | ||
| Q4 25 | 40.4% | -0.9% | ||
| Q3 25 | 40.5% | -33.1% | ||
| Q2 25 | 33.2% | -31.4% | ||
| Q1 25 | 21.6% | -45.5% | ||
| Q4 24 | 40.7% | -26.0% | ||
| Q3 24 | -63.8% | -21.6% | ||
| Q2 24 | 21.9% | -40.3% |
| Q1 26 | 22.8% | — | ||
| Q4 25 | 30.7% | -15.7% | ||
| Q3 25 | 30.9% | -45.1% | ||
| Q2 25 | 25.2% | -43.4% | ||
| Q1 25 | 16.8% | -55.9% | ||
| Q4 24 | 30.9% | -42.7% | ||
| Q3 24 | -48.9% | -29.8% | ||
| Q2 24 | 15.6% | -49.4% |
| Q1 26 | $1.56 | — | ||
| Q4 25 | $2.11 | $-0.04 | ||
| Q3 25 | $2.18 | $-0.12 | ||
| Q2 25 | $1.58 | $-0.12 | ||
| Q1 25 | $0.92 | $-0.14 | ||
| Q4 24 | $1.43 | $-0.13 | ||
| Q3 24 | $-1.41 | $-0.08 | ||
| Q2 24 | $0.80 | $-0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $133.9M |
| Total DebtLower is stronger | $878.3M | $671.3M |
| Stockholders' EquityBook value | $3.6B | $-392.1M |
| Total Assets | $33.5B | $968.8M |
| Debt / EquityLower = less leverage | 0.24× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $133.9M | ||
| Q3 25 | — | $125.3M | ||
| Q2 25 | — | $107.0M | ||
| Q1 25 | — | $171.8M | ||
| Q4 24 | — | $216.4M | ||
| Q3 24 | — | $115.9M | ||
| Q2 24 | — | $141.5M |
| Q1 26 | $878.3M | — | ||
| Q4 25 | $620.6M | $671.3M | ||
| Q3 25 | $620.4M | $766.5M | ||
| Q2 25 | $620.3M | $770.5M | ||
| Q1 25 | $660.5M | $765.8M | ||
| Q4 24 | $660.3M | $761.3M | ||
| Q3 24 | $660.2M | $596.9M | ||
| Q2 24 | $660.0M | $597.4M |
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.6B | $-392.1M | ||
| Q3 25 | $3.6B | $-374.5M | ||
| Q2 25 | $3.5B | $-347.8M | ||
| Q1 25 | $3.4B | $-288.1M | ||
| Q4 24 | $3.4B | $-202.1M | ||
| Q3 24 | $3.4B | $-117.7M | ||
| Q2 24 | $3.2B | $-72.2M |
| Q1 26 | $33.5B | — | ||
| Q4 25 | $31.5B | $968.8M | ||
| Q3 25 | $32.5B | $973.0M | ||
| Q2 25 | $31.9B | $1.0B | ||
| Q1 25 | $31.4B | $1.1B | ||
| Q4 24 | $30.7B | $1.2B | ||
| Q3 24 | $31.6B | $1.0B | ||
| Q2 24 | $29.9B | $1.1B |
| 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 | — | $-18.4M |
| Free Cash FlowOCF − Capex | — | $-58.3M |
| FCF MarginFCF / Revenue | — | -31.7% |
| Capex IntensityCapex / Revenue | — | 21.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $360.2M | $-18.4M | ||
| Q3 25 | $166.3M | $-37.1M | ||
| Q2 25 | $63.0M | $-62.9M | ||
| Q1 25 | $368.0K | $-47.9M | ||
| Q4 24 | $480.1M | $37.9M | ||
| Q3 24 | $332.8M | $-16.9M | ||
| Q2 24 | $33.3M | $-25.2M |
| Q1 26 | — | — | ||
| Q4 25 | $347.6M | $-58.3M | ||
| Q3 25 | $161.3M | $-60.4M | ||
| Q2 25 | $57.5M | $-78.6M | ||
| Q1 25 | $-2.0M | $-62.6M | ||
| Q4 24 | $415.2M | $-70.2M | ||
| Q3 24 | $317.6M | $-21.9M | ||
| Q2 24 | $11.1M | $-30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 106.1% | -31.7% | ||
| Q3 25 | 47.4% | -32.6% | ||
| Q2 25 | 18.7% | -41.5% | ||
| Q1 25 | -0.7% | -35.3% | ||
| Q4 24 | 180.9% | -34.3% | ||
| Q3 24 | 253.4% | -11.3% | ||
| Q2 24 | 4.1% | -15.7% |
| Q1 26 | — | — | ||
| Q4 25 | 3.8% | 21.7% | ||
| Q3 25 | 1.5% | 12.5% | ||
| Q2 25 | 1.8% | 8.3% | ||
| Q1 25 | 0.9% | 8.3% | ||
| Q4 24 | 28.2% | 52.8% | ||
| Q3 24 | 12.1% | 2.6% | ||
| Q2 24 | 8.3% | 2.9% |
| 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.
