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Third Coast Bancshares (TCBX)
NYSE:TCBX
US Market
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Third Coast Bancshares (TCBX) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 22, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.91
Last Year’s EPS
0.79
Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 22, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call highlighted significant asset growth, new market listings, and strategic mergers, showcasing a strong and positive growth trajectory. However, concerns about nonperforming loans and net interest margin decline indicate areas needing attention.
Company Guidance
During the Third Coast Bancshares third quarter earnings call for 2025, the company reported several impressive metrics and strategic developments. Total assets surpassed $5 billion for the first time, driven by a compound annual growth rate of 19.3% since the IPO in November 2021. The company achieved record highs in book value and tangible book value, with figures reaching $32.25 and $30.91, respectively. Return on average assets also hit a new high at an annualized 1.41%. The efficiency ratio improved to 53.05%, and net income rose to $18.1 million, supported by stable expenses and increased interest and noninterest income. The successful completion of two securitization transactions earned international recognition, enhancing the bank's risk management reputation. Looking ahead, Third Coast expects continued loan growth, with a target of $50 million to $100 million in the fourth quarter, and is poised for further M&A opportunities, including a merger with Keystone Bancshares, which will bring the combined entity's total assets to over $6 billion.
Record-Breaking Asset Growth
Third Coast surpassed $5 billion in total assets for the first time, with a compound annual growth rate of 19.3% since its IPO.
New Market Listings
Listing of TCBX on both the New York Stock Exchange and the NYSE Texas to enhance market visibility and provide greater liquidity.
Record High Return on Average Assets
Return on average assets reached an annualized 1.41% in Q3 2025, showcasing strong profitability.
Securitization Success and Awards
Completion of the bank's first and second securitization transactions received international recognition, winning the SCI Risk Sharing award.
Improved Efficiency Ratio
Efficiency ratio improved to 53.05%, with net income rising to $18.1 million driven by enhancements in interest and noninterest-bearing income.
Strategic Merger Announcement
Announced merger with Keystone Bancshares, expected to increase total assets to over $6 billion, enhancing market position in the Texas Triangle.

Third Coast Bancshares (TCBX) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

TCBX Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 22, 2026
2025 (Q4)
0.91 / -
0.79
Oct 22, 2025
2025 (Q3)
0.84 / 1.03
0.7439.19% (+0.29)
Jul 23, 2025
2025 (Q2)
0.76 / 0.96
0.6352.38% (+0.33)
Apr 23, 2025
2025 (Q1)
0.71 / 0.78
0.6127.87% (+0.17)
Jan 22, 2025
2024 (Q4)
0.68 / 0.79
0.5738.60% (+0.22)
Oct 23, 2024
2024 (Q3)
0.55 / 0.74
0.32131.25% (+0.42)
Jul 24, 2024
2024 (Q2)
0.56 / 0.63
0.5318.87% (+0.10)
Apr 24, 2024
2024 (Q1)
0.51 / 0.61
0.5510.91% (+0.06)
Jan 25, 2024
2023 (Q4)
0.47 / 0.57
0.4429.55% (+0.13)
Oct 25, 2023
2023 (Q3)
0.49 / 0.32
0.49-34.69% (-0.17)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

TCBX Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 22, 2025
$39.28$38.10-3.00%
Jul 23, 2025
$36.27$37.28+2.78%
Apr 23, 2025
$30.51$29.08-4.69%
Jan 22, 2025
$33.36$35.08+5.16%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Third Coast Bancshares (TCBX) report earnings?
Third Coast Bancshares (TCBX) is schdueled to report earning on Jan 22, 2026, After Close (Confirmed).
    What is Third Coast Bancshares (TCBX) earnings time?
    Third Coast Bancshares (TCBX) earnings time is at Jan 22, 2026, After Close (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is TCBX EPS forecast?
          TCBX EPS forecast for the fiscal quarter 2025 (Q4) is 0.91.
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