Claim 50% Off TipRanks Premium
- Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions
- Stay ahead of the market with the latest news and analysis and maximize your portfolio's potential
The latest update is out from Third Coast Bancshares ( (TCBX) ).
On January 21, 2026, Third Coast Bancshares reported strong results for the fourth quarter and full year ended December 31, 2025, highlighted by record annual net income of $66.3 million and record diluted earnings per share of $3.79, up sharply from 2024. For the fourth quarter of 2025, the bank posted net income of $17.9 million, a solid return on average assets of 1.36% and a stable net interest margin of 4.10%, with higher net interest income driven by lower deposit costs and increased noninterest income from loan fees, partly offset by merger-related legal, professional and compensation expenses. The balance sheet expanded meaningfully in 2025, with total assets rising 8.1% to $5.34 billion, gross loans climbing 10.8% to $4.39 billion—led by commercial and industrial, real estate and municipal lending—and deposits growing 7.3% to $4.63 billion, while asset quality metrics improved as nonperforming loans declined to 0.49% of total loans. Book value and tangible book value per share advanced 16.8% and 17.7%, respectively, year over year, signaling strengthened capital and earnings power for shareholders as the company continues to position itself as a high-performing regional banking franchise.
The most recent analyst rating on (TCBX) stock is a Hold with a $42.00 price target. To see the full list of analyst forecasts on Third Coast Bancshares stock, see the TCBX Stock Forecast page.
Spark’s Take on TCBX Stock
According to Spark, TipRanks’ AI Analyst, TCBX is a Outperform.
Overall score is supported primarily by solid profitability and a strong balance sheet with very low leverage, plus a constructive earnings outlook and growth/M&A momentum from the latest call. The score is tempered by weakening free cash flow growth and mixed technicals (negative MACD and limited near-term momentum), while valuation is reasonable based on the P/E provided.
To see Spark’s full report on TCBX stock, click here.
More about Third Coast Bancshares
Third Coast Bancshares, Inc., headquartered in Houston, is the bank holding company for Third Coast Bank and operates in the commercial banking industry, offering loans, deposit products and related financial services. The company focuses on commercial and industrial, real estate, municipal and other lending, and in 2025 transferred the listing of its common stock to the New York Stock Exchange and NYSE Texas, underscoring its capital markets profile and growth ambitions.
Average Trading Volume: 62,979
Technical Sentiment Signal: Buy
Current Market Cap: $529.7M
See more data about TCBX stock on TipRanks’ Stock Analysis page.