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Third Coast Bancshares (TCBX)
NYSE:TCBX
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.86Last Year’s EPS
0.78Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented strong operating and financial results: record full-year earnings, double-digit loan growth, expanding assets and deposits, improving fee income, lower funding costs, stronger book value and improving credit metrics. Near-term challenges include one-time and merger-related expenses, lumpy fee-driven margin benefits that may not recur, seasonal deposit inflows and modest allowance ratio compression. Management has a clear M&A pipeline (Keystone) and targets disciplined loan growth and efficiency initiatives. Overall, positive momentum and fundamentals outweigh the flagged short-term expenses and variability risks.Company Guidance
Strong Loan Growth
Gross loans increased $230 million (5.5% quarter-over-quarter) to $4.39 billion and rose 10.8% year-over-year, surpassing the targeted run rate of 8%.
Total Assets and Deposits Expansion
Total assets ended the year at $5.34 billion (up 5.5% Q/Q and 8.1% YoY). Total deposits grew by over $254 million in the fourth quarter to $4.6 billion (5.8% Q/Q and 7.3% YoY).
Record Earnings and Profitability
Fourth-quarter net income was $17.9 million; full-year net income was a record $66.3 million, up 39% YoY. Return on equity was 14% (up 24% YoY) and annualized return on average assets was 1.33% (improved >26% YoY).
EPS and Net Interest Income Improvement
Diluted EPS was $1.02 in Q4 and $3.79 for the year (up 36% YoY). Net interest income was $52.2 million in Q4 and $195.2 million for the year (up 21% YoY).
Fee Income Acceleration
Service charges and fees increased ~24% Q/Q and ~55% YoY; management cites relationship banking and platform expansion as drivers. Noninterest income showed strength with a run rate management is comfortable with (~$4 million recurring quarterly level).
Improved Funding Costs and Margins
Cost of funds fell to 3.33% in Q4 (improved 23 basis points Q/Q and 50 basis points YoY). Reported NIM was 4.10% in Q4; management estimates core NIM at 3.90% (up ~10 bps Q/Q excluding one-time items).
Capital and Book Value Gains
Book value rose to $33.47 (+16.8% YoY) and tangible book value to $32.12 (+17.7% YoY). Management highlights capital strength and ongoing capital planning.
Credit Quality Trends
Nonaccrual loans decreased by $603,000 in Q4 and by $16.7 million for the full year. Loans over 90 days and still accruing totaled $11.36 million, with a ~ $5.5 million loan subsequently renewed and brought current. Nonperforming loans ratio improved 3 bps Q/Q and 21 bps YoY; net charge-offs were 8 bps for the year (improved 1 bp YoY).
Strategic Milestones and M&A
Completed two securitizations in 2025 and announced a merger with Keystone Bancshares (pro forma ~ $6 billion company with 22 Texas locations). Management set a 2026 loan growth target of $75M–$100M per quarter (~8% annualized).
Operational Enhancements and Revenue Discipline
Management is leveraging a new core system and dynamic pricing tools to better manage liabilities and improve margins; treasury and corporate deposit initiatives grew noninterest-bearing balances in recent months.
TCBX Earnings History
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 |
|---|---|---|---|
Jan 21, 2026 | $40.24 | $42.33 | +5.19% |
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% |
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 Apr 29, 2026, After Close (Confirmed).
What is Third Coast Bancshares (TCBX) earnings time?
Third Coast Bancshares (TCBX) earnings time is at Apr 29, 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 2026 (Q1) is 0.86.