TCBX · Third Coast Bancshares, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 23, 2026TL;DR. Third Coast delivered record diluted EPS of $1.08 and net interest income up 12.4% sequentially to $60.3 million, with net interest margin expanding to 3.83% (exceeding the 3.75% post-Keystone target) and efficiency improving to 56.5%, while completing the sale of Third Coast Commercial Capital for a $3.5 million gain and exceeding prior NIM guidance.
- + Net interest margin expanded to 3.83%, exceeding the 3.75% target set following the Keystone merger.
- + Diluted EPS reached a record $1.08 per share, with net income of $22.0 million.
- + Net interest income rose 12.4% sequentially to $60.3 million.
- + Efficiency ratio improved to 56.5% from 66.1% in Q1, reflecting positive operating leverage.
- + Gross loans grew $185 million (3.5%) sequentially to $5.44 billion, driven by C&I lending.
- + Completed sale of Third Coast Commercial Capital for $27.5 million, recognizing a $3.5 million gain and removing a historical credit headwind.
- − Three relationships totaling $10.1 million were placed on non-accrual, with nonperforming loans still elevated above the prior-year level of $20.1 million.
- − Net interest margin of 3.83% remains well below the prior-year level of 4.22%, with loan yields of 7.06% down from 7.95% a year ago.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TCBX
this stock
Third Coast Bancshares, Inc.
|
$720.33M | +14.1% | — | 10.4 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TCBX | +0.3% | -3.3% | +4.3% | +2.3% | +14.1% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +0.5% | -2.9% | -7.9% | +1.4% | +1.2% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.