Third Coast Bancshares (TCBX) Q4 EPS of $1.02 Beats Estimates by $0.13
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Source: seekingalpha
- 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.
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Analyst Views on TCBX
Wall Street analysts forecast TCBX stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TCBX is 44.50 USD with a low forecast of 43.00 USD and a high forecast of 46.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 40.180
Low
43.00
Averages
44.50
High
46.00
Current: 40.180
Low
43.00
Averages
44.50
High
46.00
About TCBX
Third Coast Bancshares, Inc. is a bank holding company. The Company is operating primarily in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets through its wholly owned subsidiary, Third Coast Bank (the Bank). The Bank conducts banking operations through approximately 19 branches encompassing the four metropolitan areas in Texas. It is focused on providing commercial banking solutions to small and medium-sized businesses and professionals with operations in its markets. The Bank's deposits include checking accounts, money market accounts, savings accounts, a variety of certificates of deposit and individual retirement accounts. It offers traditional bank products such as checking, savings, money markets, and CD accounts, as well as a full range of banking services including retail and commercial online banking platforms, mobile banking apps, debit cards, credit cards, a suite of treasury management solutions, merchant card services and customer digital solutions.
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 (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.
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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.
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