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Side-by-side financial comparison of TEXAS CAPITAL BANCSHARES INC (TCBI) and Utz Brands, Inc. (UTZ). Click either name above to swap in a different company.
Utz Brands, Inc. is the larger business by last-quarter revenue ($341.0M vs $324.0M, roughly 1.1× TEXAS CAPITAL BANCSHARES INC). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs 0.7%, a 22.1% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs -3.1%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs -1.5%).
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.
Utz Brands, Inc., more commonly known as Utz, is an American snack food company based in Hanover, Pennsylvania. The company produces a variety of potato chips, pretzels, and other snacks, with most products sold under their family of brands. Utz is also a snack supplier to warehouse clubs and merchandisers.
TCBI vs UTZ — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $324.0M | $341.0M |
| Net Profit | $73.8M | $2.3M |
| Gross Margin | — | 25.5% |
| Operating Margin | — | 2.1% |
| Net Margin | 22.8% | 0.7% |
| Revenue YoY | 15.5% | -3.1% |
| Net Profit YoY | 56.8% | 108.3% |
| 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 | — | ||
| Q3 25 | $340.4M | — | ||
| Q2 25 | $307.5M | — | ||
| Q1 25 | $280.5M | — | ||
| Q4 24 | $229.6M | $341.0M | ||
| Q3 24 | $125.3M | $365.5M | ||
| Q2 24 | $267.0M | $356.2M |
| Q1 26 | $73.8M | — | ||
| Q4 25 | $100.7M | — | ||
| Q3 25 | $105.2M | — | ||
| Q2 25 | $77.3M | — | ||
| Q1 25 | $47.0M | — | ||
| Q4 24 | $71.0M | $2.3M | ||
| Q3 24 | $-61.3M | $-2.2M | ||
| Q2 24 | $41.7M | $19.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% |
| Q1 26 | — | — | ||
| Q4 25 | 40.4% | — | ||
| Q3 25 | 40.5% | — | ||
| Q2 25 | 33.2% | — | ||
| Q1 25 | 21.6% | — | ||
| Q4 24 | 40.7% | 2.1% | ||
| Q3 24 | -63.8% | 5.3% | ||
| Q2 24 | 21.9% | 6.3% |
| Q1 26 | 22.8% | — | ||
| Q4 25 | 30.7% | — | ||
| Q3 25 | 30.9% | — | ||
| Q2 25 | 25.2% | — | ||
| Q1 25 | 16.8% | — | ||
| Q4 24 | 30.9% | 0.7% | ||
| Q3 24 | -48.9% | -0.6% | ||
| Q2 24 | 15.6% | 5.6% |
| Q1 26 | $1.56 | — | ||
| Q4 25 | $2.11 | — | ||
| Q3 25 | $2.18 | — | ||
| Q2 25 | $1.58 | — | ||
| Q1 25 | $0.92 | — | ||
| Q4 24 | $1.43 | $0.04 | ||
| Q3 24 | $-1.41 | $-0.03 | ||
| Q2 24 | $0.80 | $0.23 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $56.1M |
| Total DebtLower is stronger | $878.3M | $768.6M |
| Stockholders' EquityBook value | $3.6B | $696.9M |
| Total Assets | $33.5B | $2.7B |
| Debt / EquityLower = less leverage | 0.24× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $56.1M | ||
| Q3 24 | — | $64.9M | ||
| Q2 24 | — | $66.6M |
| Q1 26 | $878.3M | — | ||
| Q4 25 | $620.6M | — | ||
| Q3 25 | $620.4M | — | ||
| Q2 25 | $620.3M | — | ||
| Q1 25 | $660.5M | — | ||
| Q4 24 | $660.3M | $768.6M | ||
| Q3 24 | $660.2M | $780.8M | ||
| Q2 24 | $660.0M | $797.6M |
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.6B | — | ||
| Q3 25 | $3.6B | — | ||
| Q2 25 | $3.5B | — | ||
| Q1 25 | $3.4B | — | ||
| Q4 24 | $3.4B | $696.9M | ||
| Q3 24 | $3.4B | $685.7M | ||
| Q2 24 | $3.2B | $686.0M |
| Q1 26 | $33.5B | — | ||
| Q4 25 | $31.5B | — | ||
| Q3 25 | $32.5B | — | ||
| Q2 25 | $31.9B | — | ||
| Q1 25 | $31.4B | — | ||
| Q4 24 | $30.7B | $2.7B | ||
| Q3 24 | $31.6B | $2.6B | ||
| Q2 24 | $29.9B | $2.7B |
| Q1 26 | 0.24× | — | ||
| Q4 25 | 0.17× | — | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 0.18× | — | ||
| Q1 25 | 0.19× | — | ||
| Q4 24 | 0.20× | 1.10× | ||
| Q3 24 | 0.20× | 1.14× | ||
| Q2 24 | 0.21× | 1.16× |
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 | — | $54.2M |
| Free Cash FlowOCF − Capex | — | $16.5M |
| FCF MarginFCF / Revenue | — | 4.8% |
| Capex IntensityCapex / Revenue | — | 11.1% |
| Cash ConversionOCF / Net Profit | — | 23.67× |
| TTM Free Cash FlowTrailing 4 quarters | — | $7.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $360.2M | — | ||
| Q3 25 | $166.3M | — | ||
| Q2 25 | $63.0M | — | ||
| Q1 25 | $368.0K | — | ||
| Q4 24 | $480.1M | $54.2M | ||
| Q3 24 | $332.8M | $52.2M | ||
| Q2 24 | $33.3M | $8.9M |
| Q1 26 | — | — | ||
| Q4 25 | $347.6M | — | ||
| Q3 25 | $161.3M | — | ||
| Q2 25 | $57.5M | — | ||
| Q1 25 | $-2.0M | — | ||
| Q4 24 | $415.2M | $16.5M | ||
| Q3 24 | $317.6M | $29.1M | ||
| Q2 24 | $11.1M | $-15.3M |
| Q1 26 | — | — | ||
| Q4 25 | 106.1% | — | ||
| Q3 25 | 47.4% | — | ||
| Q2 25 | 18.7% | — | ||
| Q1 25 | -0.7% | — | ||
| Q4 24 | 180.9% | 4.8% | ||
| Q3 24 | 253.4% | 8.0% | ||
| Q2 24 | 4.1% | -4.3% |
| Q1 26 | — | — | ||
| Q4 25 | 3.8% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | 1.8% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 28.2% | 11.1% | ||
| Q3 24 | 12.1% | 6.3% | ||
| Q2 24 | 8.3% | 6.8% |
| Q1 26 | — | — | ||
| Q4 25 | 3.58× | — | ||
| Q3 25 | 1.58× | — | ||
| Q2 25 | 0.81× | — | ||
| Q1 25 | 0.01× | — | ||
| Q4 24 | 6.76× | 23.67× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.80× | 0.45× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
