Third Coast Bancshares Reports Record $66.3M Net Income and $3.79 EPS for 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Should l Buy TCBX?
Source: PRnewswire
- Strong Annual Performance: Third Coast Bancshares achieved a record net income of $66.3 million and diluted earnings per share of $3.79 for 2025, reflecting significant improvements in loan growth and fee income, thereby solidifying its competitive position in the market.
- Loan Portfolio Growth: As of December 31, 2025, total loans increased to $4.39 billion, a 5.5% rise from September 30, 2025, primarily driven by robust commercial and industrial loan performance, indicating the company's expansion capabilities in the credit market.
- Noninterest Income Increase: Noninterest income reached $4.3 million in Q4 2025, up 19.4% from $3.6 million in Q3 2025, demonstrating significant progress in diversifying income sources and enhancing overall profitability.
- Improved Asset Quality: As of December 31, 2025, nonperforming loans totaled $21.5 million, with the nonperforming loans to total loans ratio decreasing to 0.49%, showcasing the company's effectiveness in risk management and asset quality control, which further boosts investor confidence.
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Analyst Views on TCBX
Wall Street analysts forecast TCBX stock price to rise
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 37.190
Low
43.00
Averages
44.50
High
46.00
Current: 37.190
Low
43.00
Averages
44.50
High
46.00
About TCBX
Third Coast Bancshares, Inc. is a commercially focused bank holding company operating primarily in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets through its wholly owned subsidiary, Third Coast Bank. It is engaged in traditional community banking activities, which include commercial and retail lending, deposit gathering, and investment and liquidity management activities. Its primary deposit products are demand deposits, money market accounts and certificates of deposit. Its primary lending products are commercial business and real estate, residential construction, real estate mortgage and consumer loans. The Company operates approximately 22 banking locations across various cities, including Austin, Ballinger, Beaumont, Conroe, Dallas, Detroit, Fort Worth, Georgetown, Houston, Humble, Kingwood, La Vernia, Lake Jackson, Nixon, Pearland, Plano, Port Arthur, San Antonio, and The Woodlands, Texas. It also operates a loan production office in Bastrop, Texas.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Third Coast Bancshares Declares Quarterly Dividend
- Quarterly Dividend Announcement: Third Coast Bancshares (TCBX) declares a quarterly dividend of $16.875 per share, reflecting the company's strong cash flow and profitability, which is likely to attract more investor interest.
- High Yield: The forward yield of 185.08% associated with this dividend not only provides substantial returns for existing shareholders but may also draw in yield-seeking investors, potentially boosting the company's stock price.
- Shareholder Assurance: The dividend will be payable on April 15, with a record date of March 31 and an ex-dividend date also on March 31, ensuring shareholders receive their dividends promptly and enhancing investor confidence.
- Loan Growth Target: As Third Coast Bancshares integrates its Keystone merger, it has set a quarterly loan growth target of $75 million to $100 million, demonstrating its expansion potential and strategic planning in the Texas market.
See More
Third Coast Bancshares Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: Third Coast Bancshares' Board of Directors has declared a quarterly cash dividend of $16.875 per share on its 6.75% Series A Convertible Non-Cumulative Preferred Stock, which is set to be paid on April 15, 2026, aimed at enhancing shareholder returns and attracting more investor interest.
- Record Date for Shareholders: The record date for the dividend is March 31, 2026, ensuring that shareholders who own stock by this date will receive the dividend, thereby reinforcing trust between the company and its investors.
- Market Coverage: Third Coast Bank operates primarily in Texas's four largest metropolitan areas—Austin, Dallas-Fort Worth, Greater Houston, and San Antonio—through 21 branches, demonstrating its strong presence and influence in the local market.
- Company Background: Founded in 2008, Third Coast Bank focuses on commercial banking, and with the announcement of this dividend, it is expected to further enhance its market position and attractiveness in the highly competitive banking industry.
See More
Optimism in the Financial Sector Despite Underperformance
- Regional Banks Undervalued: Dory Wiley, CEO of Commerce Street Holdings, asserts that despite the overall poor performance of the financial sector, regional banks maintain strong fundamentals with high capital ratios and good deposits, indicating their potential value.
- Sustained Profitability Growth: Wiley notes that banks are currently valued at a forward P/E of only 10 times earnings, and with good growth rates, these stocks could realistically reach a valuation range of 15 to 18 times, reflecting market confidence in their future performance.
- Superior Credit Quality: He emphasizes that the credit underwriting quality in the banking sector is at its historical best, and while some individual banks may face weaknesses, the overall health of the industry provides reassurance to investors.
- Abundant Market Opportunities: Despite concerns over AI disruption, Wiley remains optimistic about investment opportunities in bank stocks, believing there is significant growth potential across small, mid, and large-cap banks that investors should consider.
See More
Third Coast Bancshares (TCBX) Reports 39% YoY Net Income Growth to $66.3 Million in Q4
- Significant Loan Growth: Third Coast Bancshares reported a $230 million increase in gross loans for Q4, reaching $4.39 billion, which marks a 10.8% year-over-year growth, indicating strong demand and an expanding market share in the lending sector.
- Asset Expansion: Total assets reached $5.34 billion by year-end, reflecting a 5.5% increase from Q3 and an 8.1% rise year-over-year, showcasing the company's success in asset management and customer base expansion.
- Record Net Income: The company achieved a net income of $66.3 million in Q4, totaling $263 million for the year, representing a 39% increase year-over-year, highlighting significant improvements in profitability and the effectiveness of its business model.
- Surge in Service Fees: Service charges and fees increased by 24% over Q3 and 55% year-over-year, demonstrating the success of the relationship banking model, which enhances customer loyalty and diversifies revenue streams.
See More
Third Coast Bancshares (TCBX) Reports $17.9M Q4 Net Income, 5.5% Loan Growth
- Significant Asset Growth: Third Coast Bancshares reported total assets of $5.34 billion in Q4 2025, reflecting a 5.5% increase from the previous quarter and an 8.1% rise year-over-year, indicating strong market demand and robust business expansion capabilities.
- Loan and Deposit Increases: The bank added $230 million in loans during Q4, reaching a total of $4.39 billion, while deposits rose to $4.6 billion, marking increases of 5.5% and 5.8% respectively from the prior quarter, reflecting enhanced customer trust and market share growth.
- Improved Profitability: Net income for Q4 reached $17.9 million, leading to a record annual net income of $66.3 million, a 39% year-over-year increase, with earnings per share at $1.02, exceeding market expectations and demonstrating sustained profitability enhancement.
- Future Growth Outlook: Management projects quarterly loan growth targets of $75 million to $100 million for 2026, and with the upcoming completion of the Keystone Bancshares merger, the company expects to further strengthen its market competitiveness and operational scale.
See More
Third Coast Bancshares (TCBX) Q4 EPS of $1.02 Beats Estimates by $0.13
- Strong Earnings Performance: Third Coast Bancshares reported a Q4 GAAP EPS of $1.02, exceeding market expectations by $0.13, which demonstrates the company's ongoing profitability and reinforces investor confidence in its future growth.
- Significant Revenue Growth: The company achieved Q4 revenue of $56.5 million, a 22% year-over-year increase, surpassing expectations by $3.43 million, reflecting its robust market performance and expanding customer base, indicating sustained growth potential ahead.
- Positive Market Evaluation: Analysts' quant ratings on Third Coast Bancshares indicate its undervalued status, suggesting a bullish outlook that may attract more investor interest in the stock.
- Historical Data Support: The consistent growth in the company's historical earnings data provides strong backing for its future performance, further enhancing market recognition of its long-term investment value.
See More
Third Coast Bancshares Declares Quarterly Dividend
- Quarterly Dividend Announcement: Third Coast Bancshares (TCBX) declares a quarterly dividend of $16.875 per share, reflecting the company's strong cash flow and profitability, which is likely to attract more investor interest.
- High Yield: The forward yield of 185.08% associated with this dividend not only provides substantial returns for existing shareholders but may also draw in yield-seeking investors, potentially boosting the company's stock price.
- Shareholder Assurance: The dividend will be payable on April 15, with a record date of March 31 and an ex-dividend date also on March 31, ensuring shareholders receive their dividends promptly and enhancing investor confidence.
- Loan Growth Target: As Third Coast Bancshares integrates its Keystone merger, it has set a quarterly loan growth target of $75 million to $100 million, demonstrating its expansion potential and strategic planning in the Texas market.
See More
Third Coast Bancshares Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: Third Coast Bancshares' Board of Directors has declared a quarterly cash dividend of $16.875 per share on its 6.75% Series A Convertible Non-Cumulative Preferred Stock, which is set to be paid on April 15, 2026, aimed at enhancing shareholder returns and attracting more investor interest.
- Record Date for Shareholders: The record date for the dividend is March 31, 2026, ensuring that shareholders who own stock by this date will receive the dividend, thereby reinforcing trust between the company and its investors.
- Market Coverage: Third Coast Bank operates primarily in Texas's four largest metropolitan areas—Austin, Dallas-Fort Worth, Greater Houston, and San Antonio—through 21 branches, demonstrating its strong presence and influence in the local market.
- Company Background: Founded in 2008, Third Coast Bank focuses on commercial banking, and with the announcement of this dividend, it is expected to further enhance its market position and attractiveness in the highly competitive banking industry.
See More
Optimism in the Financial Sector Despite Underperformance
- Regional Banks Undervalued: Dory Wiley, CEO of Commerce Street Holdings, asserts that despite the overall poor performance of the financial sector, regional banks maintain strong fundamentals with high capital ratios and good deposits, indicating their potential value.
- Sustained Profitability Growth: Wiley notes that banks are currently valued at a forward P/E of only 10 times earnings, and with good growth rates, these stocks could realistically reach a valuation range of 15 to 18 times, reflecting market confidence in their future performance.
- Superior Credit Quality: He emphasizes that the credit underwriting quality in the banking sector is at its historical best, and while some individual banks may face weaknesses, the overall health of the industry provides reassurance to investors.
- Abundant Market Opportunities: Despite concerns over AI disruption, Wiley remains optimistic about investment opportunities in bank stocks, believing there is significant growth potential across small, mid, and large-cap banks that investors should consider.
See More
Third Coast Bancshares (TCBX) Reports 39% YoY Net Income Growth to $66.3 Million in Q4
- Significant Loan Growth: Third Coast Bancshares reported a $230 million increase in gross loans for Q4, reaching $4.39 billion, which marks a 10.8% year-over-year growth, indicating strong demand and an expanding market share in the lending sector.
- Asset Expansion: Total assets reached $5.34 billion by year-end, reflecting a 5.5% increase from Q3 and an 8.1% rise year-over-year, showcasing the company's success in asset management and customer base expansion.
- Record Net Income: The company achieved a net income of $66.3 million in Q4, totaling $263 million for the year, representing a 39% increase year-over-year, highlighting significant improvements in profitability and the effectiveness of its business model.
- Surge in Service Fees: Service charges and fees increased by 24% over Q3 and 55% year-over-year, demonstrating the success of the relationship banking model, which enhances customer loyalty and diversifies revenue streams.
See More
Third Coast Bancshares (TCBX) Reports $17.9M Q4 Net Income, 5.5% Loan Growth
- Significant Asset Growth: Third Coast Bancshares reported total assets of $5.34 billion in Q4 2025, reflecting a 5.5% increase from the previous quarter and an 8.1% rise year-over-year, indicating strong market demand and robust business expansion capabilities.
- Loan and Deposit Increases: The bank added $230 million in loans during Q4, reaching a total of $4.39 billion, while deposits rose to $4.6 billion, marking increases of 5.5% and 5.8% respectively from the prior quarter, reflecting enhanced customer trust and market share growth.
- Improved Profitability: Net income for Q4 reached $17.9 million, leading to a record annual net income of $66.3 million, a 39% year-over-year increase, with earnings per share at $1.02, exceeding market expectations and demonstrating sustained profitability enhancement.
- Future Growth Outlook: Management projects quarterly loan growth targets of $75 million to $100 million for 2026, and with the upcoming completion of the Keystone Bancshares merger, the company expects to further strengthen its market competitiveness and operational scale.
See More
Third Coast Bancshares (TCBX) Q4 EPS of $1.02 Beats Estimates by $0.13
- Strong Earnings Performance: Third Coast Bancshares reported a Q4 GAAP EPS of $1.02, exceeding market expectations by $0.13, which demonstrates the company's ongoing profitability and reinforces investor confidence in its future growth.
- Significant Revenue Growth: The company achieved Q4 revenue of $56.5 million, a 22% year-over-year increase, surpassing expectations by $3.43 million, reflecting its robust market performance and expanding customer base, indicating sustained growth potential ahead.
- Positive Market Evaluation: Analysts' quant ratings on Third Coast Bancshares indicate its undervalued status, suggesting a bullish outlook that may attract more investor interest in the stock.
- Historical Data Support: The consistent growth in the company's historical earnings data provides strong backing for its future performance, further enhancing market recognition of its long-term investment value.
See More
