NASDAQ:TCBX

Third Coast Bancshares Stock Earnings Reports

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$36.20
-1.21 (-3.23%)
At Close: Nov 17, 2025

Third Coast Bancshares Earnings Calls

Sep 30, 2025
$1.03 (28.75%)
Release date Oct 22, 2025
EPS estimate $0.80
EPS actual $1.03
EPS Surprise 28.75%
Revenue estimate 51.607M
Revenue actual -
Jun 30, 2025
$0.96 (28.00%)
Release date Jul 23, 2025
EPS estimate $0.750
EPS actual $0.96
EPS Surprise 28.00%
Revenue estimate 48.18M
Revenue actual 51.585M
Revenue Surprise 7.07%
Mar 31, 2025
$0.780 (11.43%)
Release date Apr 23, 2025
EPS estimate $0.700
EPS actual $0.780
EPS Surprise 11.43%
Revenue estimate 47.441M
Revenue actual 45.904M
Revenue Surprise -3.24%
Dec 31, 2024
$0.790 (16.18%)
Release date Jan 22, 2025
EPS estimate $0.680
EPS actual $0.790
EPS Surprise 16.18%
Revenue estimate 43.905M
Revenue actual 46.122M
Revenue Surprise 5.05%

Last 4 Quarters for Third Coast Bancshares

Below you can see how TCBX performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.

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Dec 31, 2024 Beat
Release date Jan 22, 2025
Price on release $33.36
EPS estimate $0.680
EPS actual $0.790
EPS surprise 16.18%
Date Price
Jan 15, 2025 $32.90
Jan 16, 2025 $32.76
Jan 17, 2025 $33.10
Jan 21, 2025 $33.61
Jan 22, 2025 $33.36
Jan 23, 2025 $35.08
Jan 24, 2025 $36.69
Jan 27, 2025 $36.82
Jan 28, 2025 $37.05
4 days before 1.40%
4 days after 11.06%
On release day 5.16%
Change in period 12.61%
Mar 31, 2025 Beat
Release date Apr 23, 2025
Price on release $30.51
EPS estimate $0.700
EPS actual $0.780
EPS surprise 11.43%
Date Price
Apr 16, 2025 $28.77
Apr 17, 2025 $29.15
Apr 21, 2025 $28.78
Apr 22, 2025 $30.20
Apr 23, 2025 $30.51
Apr 24, 2025 $29.08
Apr 25, 2025 $28.24
Apr 28, 2025 $28.78
Apr 29, 2025 $29.73
4 days before 6.05%
4 days after -2.56%
On release day -4.69%
Change in period 3.34%
Jun 30, 2025 Beat
Release date Jul 23, 2025
Price on release $36.27
EPS estimate $0.750
EPS actual $0.96
EPS surprise 28.00%
Date Price
Jul 17, 2025 $36.59
Jul 18, 2025 $35.94
Jul 21, 2025 $36.04
Jul 22, 2025 $35.80
Jul 23, 2025 $36.27
Jul 24, 2025 $37.28
Jul 25, 2025 $36.60
Jul 28, 2025 $37.12
Jul 29, 2025 $39.00
4 days before -0.87%
4 days after 7.53%
On release day 2.78%
Change in period 6.59%
Sep 30, 2025 Beat
Release date Oct 22, 2025
Price on release $39.28
EPS estimate $0.80
EPS actual $1.03
EPS surprise 28.75%
Date Price
Oct 16, 2025 $37.59
Oct 17, 2025 $37.61
Oct 20, 2025 $39.74
Oct 21, 2025 $39.17
Oct 22, 2025 $39.28
Oct 23, 2025 $38.10
Oct 24, 2025 $38.43
Oct 27, 2025 $37.79
Oct 28, 2025 $37.63
4 days before 4.50%
4 days after -4.20%
On release day -3.00%
Change in period 0.106%

Third Coast Bancshares Earnings Call Transcript Summary of Q3 2025

Third Coast Bancshares reported a strong Q3 2025 with multiple strategic and financial milestones: the company listed on the NYSE/NYSE Texas, surpassed $5 billion in total assets (CAGR of 19.3% since the IPO), set record book and tangible book value, and achieved an annualized ROA of 1.41% for the quarter. Financials: Q3 net income was $16.9 million (up 8.3% QoQ) with a 15.1% ROE; net interest income rose on a better-than-expected NIM and growth in earning assets; NIM is expected to normalize to 3.90%–3.95% in Q4; investment securities increased to ~$583 million with portfolio yield ~6.07%; deposits grew by $92 million (loan-to-deposit 95%) and core loan demand remained strong (loans up in Q3 and +$50M in October). Credit: asset quality remains stable with modest movements in nonperforming and nonaccrual loans and diversified loan mix (C&I 43%, construction/development/land 20%). Strategic/M&A: management announced a definitive merger agreement to acquire Keystone Bancshares (headquartered in Austin), expected to close in 1Q 2026 and create a pro forma >$6B bank; management expects straightforward integration and sees additional revenue and cost synergies not yet included in published accretion estimates. Operating efficiency improved (efficiency ratio ~53.05%) and management continues to hire selectively to support growth while emphasizing disciplined underwriting and risk controls. Management expects loan growth of $50M–$100M in Q4 but notes quarter-end lumpiness from payoffs; potential for another securitization in early 2026 is being evaluated.

Third Coast Bancshares Earnings History

Earnings Calendar

FAQ

When is the earnings report for TCBX?
Third Coast Bancshares, Inc. (TCBX) has scheduled its earnings report for Jan 21, 2026 after the markets close.

What is the TCBX price-to-earnings (P/E) ratio?
TCBX P/E ratio as of Nov 17, 2025 (TTM) is 8.91.

What is the TCBX EPS forecast?
The forecasted EPS (Earnings Per Share) for Third Coast Bancshares, Inc. (TCBX) for the first fiscal quarter 2025 is $0.84.

What are Third Coast Bancshares, Inc.'s retained earnings?
On its balance sheet, Third Coast Bancshares, Inc. reported retained earnings of $0 for the latest quarter ending Sep 30, 2025.

What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.

Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.

What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
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