Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+3.90%
$42.39
100% positive prob.
5-Day Prediction
+7.31%
$43.78
100% positive prob.
20-Day Prediction
+9.76%
$44.78
95% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | BUY | +3.90% | +7.31% | +9.76% | 99.7% | Pending |
| Q2 2026 | SELL | -1.20% | -5.02% | +0.09% | 99.7% | +8.87% |
| Q1 2026 | SELL | -0.62% | -4.53% | +1.23% | 100.0% | -8.07% |
| Q4 2025 | SELL | -1.78% | -5.04% | +0.65% | 100.0% | -1.94% |
SEC 8-K filings with transcript text
Oct 21, 2026 · 100% conf.
1D
+3.90%
$42.39
Act: -2.16%
5D
+7.31%
$43.78
20D
+9.76%
$44.78
2 tcbx-ex99_1.htm
Exhibit 99.1
News Release
Contact:
Ken Dennard / Natalie Hairston
Dennard Lascar Investor Relations
(713) 529-6600
TCBX@dennardlascar.com
Third Coast Bancshares, Inc. Reports
2026 Third Quarter Financial Results
Solid 2026 Third Quarter Results While Advancing Long-Term Growth Strategy
HOUSTON, October 21, 2026 – Third Coast Bancshares, Inc. (NYSE and NYSE Texas: TCBX) (the “Company,” “Third Coast,” “we,” “us,” or “our”), the bank holding company for Third Coast Bank (the “Bank”), today reported its 2026 third quarter financial results.
2026 Third Quarter Financial and Operational Highlights
• Return on average assets of 1.13% annualized for the third quarter of 2026 compared to 1.34% annualized for the second quarter of 2026 and 1.41% annualized for the third quarter of 2025. Return on average assets as adjusted (non-GAAP)(1) annualized for the third quarter of 2026 was 1.29%.
• Net interest margin of 3.70% for the third quarter of 2026 compared to 3.83% for the second quarter of 2026 and 4.10% for the third quarter of 2025.
• Net income for the third quarter of 2026 totaled $19.0 million, or $1.07 and $0.93 per basic and diluted share, respectively, compared to $22.0 million, or $1.25 and $1.08 per basic and diluted share, respectively, for the second quarter of 2026 and $18.1 million, or $1.22 and $1.03 per basic and diluted share, respectively, for the third quarter of 2025. Excluding $3.2 million of acquisition-related expenses in the third quarter of 2026, the net income as adjusted (non-GAAP)(1) for the third quarter of 2026 was $21.6 million, or $1.06 per diluted share as adjusted (non-GAAP)(1).
• Efficiency ratio of 63.10% for the third quarter of 2026 compared to 56.51% for the second quarter of 2026 and 53.03% for the third quarter of 2025.
• Gross loans grew to $5.49 billion as of September 30, 2026, from $5.44 billion reported as of June 30, 2026.
• Book value per common share and tangible book value per common share(1) increased to $36.53 and $33.31, respectively, as of September 30, 2026, compared to $36.34 and $33.08, respectively, as of June 30, 2026 and $32.25 and $30.91, respectively, as of September 30, 2025.
• Noninterest bearing demand deposits increased $78.4 million to $721.2 million, or 12.2% of total deposits as of September 30, 2026, compared to 11.0% of total deposits as of June 30, 2026.
• On October 7, 2026, the Company announced a definitive merger agreement to acquire Great Plains Bancshares, Inc. (“Great Plains”), the parent company of Great Plains National Bank, in an all-stock transaction valued at approximately $239.6 million based on the Company's closing stock price as of October 6, 2026. The transaction is expected to close in the first quarter of 2027.
(1) Non-GAAP financial measure. Please refer to the table titled “GAAP Reconciliation and Management's Explanation of Non-GAAP Financial Measures” at the end of this news release for a reconciliation of these non-GAAP financial measures.
“The third quarter reflects the underlying strength of our franchise and our continued focus on disciplined, relationship-driven growth,” said Bart Caraway, Founder, Chairman, President, and Chief Executive Officer of Third Coast. “We saw healthy loan activity, continued progress in our funding base, stable credit performance, and another high in tangible book value per share. Additionally, our agreement to merge with Great Plains builds on the progress of our strategy and brings together two organizations with complementary strengths and shared values. We believe the transaction positions us to build an even stronger franchise capable of producing durable earnings and long-term stakeholder value.”
Operating Results
Net Income and Earnings Per Common Share
Net income totaled $19.0 million for the third quarter of 2026, compared to $22.0 million for the second quarter of 2026 and $18.1 million for the third quarter of 2025. Net income available to common shareholders totaled $17.8 million for the third quarter of 2026, compared to $20.8 million for the second quarter of 2026 and $16.9 million for the third quarter of 2025. The quarter-over-quarter decrease from the second quarter of 2026 was primarily due to the reduction of gain on sale of factored receivables from the second quarter of 2026 and an increase in merger and acquisition-related expenses during the third quarter of 2026. Dividends on our Series A Convertible Non-Cumulative Preferred Stock (“Series A Preferred Stock”) totaled $1.2 million for each of the quarters ended September 30, 2026, June 30, 2026 and September 30, 2025.
Basic and diluted earnings per common share were $1.07 per share and $0.93 per share, respectively, in the third quarter of 2026, compared to $1.25 per share and $1.08 per share, respectively, in the second quarter of 2026 and $1.22 per share and $1.03 per share, respectively,
Jul 22, 2026 · 100% conf.
1D
-1.20%
$39.66
Act: +5.61%
5D
-5.02%
$38.12
Act: +8.87%
20D
+0.09%
$40.18
2 tcbx-ex99_1.htm
Exhibit 99.1
News Release
Contact:
Ken Dennard / Natalie Hairston
Dennard Lascar Investor Relations
(713) 529-6600
TCBX@dennardlascar.com
Third Coast Bancshares, Inc. Reports
2026 Second Quarter Financial Results
Second Quarter Delivers Record EPS, Improved Margin Performance, and Double-Digit Increase in Net Interest Income
HOUSTON, July 22, 2026 – Third Coast Bancshares, Inc. (NYSE and NYSE Texas: TCBX) (the “Company,” “Third Coast,” “we,” “us,” or “our”), the bank holding company for Third Coast Bank (the “Bank”), today reported its 2026 second quarter financial results.
2026 Second Quarter Financial Highlights
• Return on average assets of 1.34% annualized for the second quarter of 2026 compared to 1.08% annualized for the first quarter of 2026 and 1.38% annualized for the second quarter of 2025.
• Net interest margin of 3.83% for the second quarter of 2026 compared to 3.67% for the first quarter of 2026 and 4.22% for the second quarter of 2025.
• Net income for the second quarter of 2026 totaled $22.0 million, or $1.25 and $1.08 per basic and diluted share, respectively, compared to $16.4 million, or $1.03 and $0.88 per basic and diluted share, respectively, for the first quarter of 2026 and $16.7 million, or $1.12 and $0.96 per basic and diluted share, respectively, for the second quarter of 2025.
• Efficiency ratio of 56.51% for the second quarter of 2026 compared to 66.06% for the first quarter of 2026 and 55.45% for the second quarter of 2025.
• Gross loans grew to $5.44 billion as of June 30, 2026, from $5.25 billion reported as of March 31, 2026.
• Book value per common share and tangible book value per common share(1) increased to $36.34 and increased to $33.08, respectively, as of June 30, 2026, compared to $35.28 and $31.97, respectively, as of March 31, 2026 and $31.04 and $29.69, respectively, as of June 30, 2025.
• Effective June 25, 2026, the Company sold substantially all of the assets of Third Coast Commercial Capital, Inc., recognizing a gain of $3.5 million and entering into a structured ongoing revenue sharing arrangement.
“Our second quarter results reflect continued execution across our core strategy, with record diluted earnings per share, a double-digit increase in net interest income, disciplined expense management and solid credit performance,” said Bart Caraway, Founder, Chairman, President and CEO of Third Coast. “We remain focused on attracting top talent, growing high-quality loans and deposits, and sustaining this momentum through the second half of the year."
(1) Non-GAAP financial measure. Please refer to the table titled “GAAP Reconciliation and Management's Explanation of Non-GAAP Financial Measures” at the end of this news release for a reconciliation of these non-GAAP financial measures.
Operating Results
Net Income and Earnings Per Common Share
Net income totaled $22.0 million for the second quarter of 2026, compared to $16.4 million for the first quarter of 2026 and $16.7 million for the second quarter of 2025. Net income available to common shareholders totaled $20.8 million for the second quarter of 2026, compared to $15.2 million for the first quarter of 2026 and $15.6 million for the second quarter of 2025. The quarter-over-quarter increase from the first quarter of 2026 was primarily due to an increase in net interest income and the gain on sale of factored receivables. Dividends on our Series A Convertible Non-Cumulative Preferred Stock (“Series A Preferred Stock”) totaled $1.2 million for each of the quarters ended June 30, 2026, March 31, 2026 and June 30, 2025.
Basic and diluted earnings per common share were $1.25 per share and $1.08 per share, respectively, in the second quarter of 2026, compared to $1.03 per share and $0.88 per share, respectively, in the first quarter of 2026 and $1.12 per share and $0.96 per share, respectively, in the second quarter of 2025.
Net Interest Margin and Net Interest Income
The net interest margin for the second quarter of 2026 was 3.83%, compared to 3.67% for the first quarter of 2026 and 4.22% for the second quarter of 2025. The yield on loans for the second quarter of 2026 was 7.06%, compared to 7.01% for the first quarter of 2026 and 7.95% for the second quarter of 2025. The cost of interest-bearing deposits for the second quarter of 2026 was 3.41%, compared to 3.53% for the first quarter of 2026 and 4.00% for the second quarter of 2025.
Net interest income totaled $60.3 million for the second quarter of 2026, an increase of 12.4% from $53.6 million for the first quarter of 2026 and an increase of 22.1% from $49.4 million for the second quarter of 2025. Interest income totaled $106.0 million for the second quarter of 2026, an increase of 8.8% from $97.4 million for the first quarter of 2026 and an increase of 19.5% from $88.7 million for the second quarter of 2025. The quarter-over-quarter incre
Apr 22, 2026 · 100% conf.
1D
-0.62%
$40.28
Act: -4.69%
5D
-4.53%
$38.70
Act: -8.07%
20D
+1.23%
$41.03
Act: -6.76%
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This page provides Third Coast Bancshares Inc. (TCBX) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on TCBX's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.