Third Coast Bancshares, Inc. remains resilient amid macroeconomic volatility, supported by stable topline growth and sound fundamentals. TCBX's prudent loan management, robust asset diversification, and strong capital ratios position it well against inflation and economic uncertainty. Valuation remains attractive, with EPS growth supporting further upside; technicals indicate a potential rebound despite recent price weakness.
Third Coast Bancshares remains a "Buy," supported by strong asset quality, attractive valuation, and robust balance sheet growth. TCBX's net interest margin rose to 4.05%, driving net profits up to $44.8 million and returns well above industry minimums. The announced $123 million Keystone Bancshares merger expands Texas presence, especially in Austin, with potential cost synergies and scale benefits.
Third Coast Bancshares (TCBX) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
FIX, TCBX, SLP, HBNC and STX have been added to the Zacks Rank #1 (Strong Buy) List on October 29, 2025.
Third Coast Bancshares, Inc. (NYSE:TCBX ) Q3 2025 Earnings Call October 23, 2025 11:00 AM EDT Company Participants Bart Caraway - Founder, Chairman, President & CEO John McWhorter - Senior EVP & CFO Audrey Duncan - Senior EVP & Chief Credit Officer Conference Call Participants Natalie Hairston - Dennard Lascar Associates, LLC Bernard Von Gizycki - Deutsche Bank AG, Research Division Wood Lay - Keefe, Bruyette, & Woods, Inc., Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Matt Olney - Stephens Inc. David Storms - Stonegate Capital Partners, Inc., Research Division Presentation Operator Greetings, and welcome to the Third Coast Bancshares Third Quarter Earnings Conference Call. [Operator Instructions] Please note, this conference is being recorded.
Third Coast Bancshares, Inc. (TCBX) came out with quarterly earnings of $1.03 per share, beating the Zacks Consensus Estimate of $0.8 per share. This compares to earnings of $0.74 per share a year ago.
Third Coast Bancshares remains a 'buy' as robust asset quality and strong fundamentals outweigh its modest premium to book value. Net interest margin and loan growth are driving revenue and profit gains, with net income up significantly year over year. The company trades at a low price-to-earnings multiple of 8.5, making it cheaper than peers on this metric.
Third Coast Bancshares is a regional bank focused on Texas, with net interest income accounting for 95% of its Q2 2025 revenue. Earnings per share surged in Q2 2025, thanks to an improvement in the net interest margin, indicating the bank has navigated the 1% in 2024 Fed rate cuts quite well. With another 1% in rate cuts priced in by markets over the next year, I believe TCBX will be able to maintain (and potentially expand) its net interest margin.
Third Coast Bancshares, Inc. (TCBX) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
Third Coast Bancshares (TCBX) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Third Coast Bancshares, Inc. (NASDAQ:TCBX ) Q2 2025 Earnings Conference Call July 24, 2025 11:00 AM ET Company Participants Audrey A. Duncan - Senior EVP & Chief Credit Officer Bart O.
Third Coast Bancshares, Inc. (TCBX) came out with quarterly earnings of $0.96 per share, beating the Zacks Consensus Estimate of $0.75 per share. This compares to earnings of $0.63 per share a year ago.