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Side-by-side financial comparison of TEXAS CAPITAL BANCSHARES INC (TCBI) and Vroom, Inc. (VRM). 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 $235.9M, roughly 1.4× Vroom, Inc.). TEXAS CAPITAL BANCSHARES INC runs the higher net margin — 22.8% vs -59.8%, a 82.6% gap on every dollar of revenue. On growth, TEXAS CAPITAL BANCSHARES INC posted the faster year-over-year revenue change (15.5% vs 12.9%). Over the past eight quarters, TEXAS CAPITAL BANCSHARES INC's revenue compounded faster (10.2% CAGR vs -49.5%).
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.
Vroom, Inc. is a parent company of United Auto Credit Corporation (UACC) and CarStory. Previously, Vroom was a used car retailer and e-commerce company that let consumers buy, sell, and finance cars online. Vroom ceased e-commerce automotive sales operations on January 22, 2024.
TCBI vs VRM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2023
| Metric | | |
|---|---|---|
| Revenue | $324.0M | $235.9M |
| Net Profit | $73.8M | $-141.1M |
| Gross Margin | — | 12.3% |
| Operating Margin | — | -11.5% |
| Net Margin | 22.8% | -59.8% |
| Revenue YoY | 15.5% | 12.9% |
| Net Profit YoY | 56.8% | -669.8% |
| EPS (diluted) | $1.56 | $-80.66 |
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 | — | ||
| Q3 24 | $125.3M | — | ||
| Q2 24 | $267.0M | — |
| Q1 26 | $73.8M | — | ||
| Q4 25 | $100.7M | — | ||
| Q3 25 | $105.2M | — | ||
| Q2 25 | $77.3M | — | ||
| Q1 25 | $47.0M | — | ||
| Q4 24 | $71.0M | — | ||
| Q3 24 | $-61.3M | — | ||
| Q2 24 | $41.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | 40.4% | — | ||
| Q3 25 | 40.5% | — | ||
| Q2 25 | 33.2% | — | ||
| Q1 25 | 21.6% | — | ||
| Q4 24 | 40.7% | — | ||
| Q3 24 | -63.8% | — | ||
| Q2 24 | 21.9% | — |
| Q1 26 | 22.8% | — | ||
| Q4 25 | 30.7% | — | ||
| Q3 25 | 30.9% | — | ||
| Q2 25 | 25.2% | — | ||
| Q1 25 | 16.8% | — | ||
| Q4 24 | 30.9% | — | ||
| Q3 24 | -48.9% | — | ||
| Q2 24 | 15.6% | — |
| Q1 26 | $1.56 | — | ||
| Q4 25 | $2.11 | — | ||
| Q3 25 | $2.18 | — | ||
| Q2 25 | $1.58 | — | ||
| Q1 25 | $0.92 | — | ||
| Q4 24 | $1.43 | — | ||
| Q3 24 | $-1.41 | — | ||
| Q2 24 | $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 | — | $135.6M |
| Total DebtLower is stronger | $878.3M | $454.2M |
| Stockholders' EquityBook value | $3.6B | $127.7M |
| Total Assets | $33.5B | $1.5B |
| Debt / EquityLower = less leverage | 0.24× | 3.56× |
8-quarter trend — quarters aligned by calendar period.
| 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 | $3.6B | — | ||
| Q3 25 | $3.6B | — | ||
| Q2 25 | $3.5B | — | ||
| Q1 25 | $3.4B | — | ||
| Q4 24 | $3.4B | — | ||
| Q3 24 | $3.4B | — | ||
| Q2 24 | $3.2B | — |
| Q1 26 | $33.5B | — | ||
| Q4 25 | $31.5B | — | ||
| Q3 25 | $32.5B | — | ||
| Q2 25 | $31.9B | — | ||
| Q1 25 | $31.4B | — | ||
| Q4 24 | $30.7B | — | ||
| Q3 24 | $31.6B | — | ||
| Q2 24 | $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 | — | $-108.1M |
| Free Cash FlowOCF − Capex | — | $-108.8M |
| FCF MarginFCF / Revenue | — | -46.1% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-536.3M |
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 | — | ||
| Q3 24 | $332.8M | — | ||
| Q2 24 | $33.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | $347.6M | — | ||
| Q3 25 | $161.3M | — | ||
| Q2 25 | $57.5M | — | ||
| Q1 25 | $-2.0M | — | ||
| Q4 24 | $415.2M | — | ||
| Q3 24 | $317.6M | — | ||
| Q2 24 | $11.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | 106.1% | — | ||
| Q3 25 | 47.4% | — | ||
| Q2 25 | 18.7% | — | ||
| Q1 25 | -0.7% | — | ||
| Q4 24 | 180.9% | — | ||
| Q3 24 | 253.4% | — | ||
| Q2 24 | 4.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.8% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | 1.8% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 28.2% | — | ||
| Q3 24 | 12.1% | — | ||
| Q2 24 | 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.
