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Third Coast Bancshares, Inc.

TCBX Finance Banks
$39.75
▼ -2.5% Today
as of Oct 23, 15:51 ET
Last 30 days -12.30% Sep 14 → Oct 23
$39.35 $40.97 $42.59 $44.21 $45.83 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$39.32
High
$41.10
Low
$39.23
Volume
$247,214
Avg Vol
$90,543
Mkt Cap
$687M
P/E (TTM)
13.88
Beta
—
52w High
$46.35
52w Low
$35.73
Div Yield
—
Shares Out
$17M

Recent Press Releases & News last 60 days · 13 items

Oct 22 · 23:05 GuruFocus.com
Third Coast Bancshares Inc (TCBX) (Q3 2026) Earnings Call Highlights: Strong Core Deposit ...
Oct 22 · 19:44 Motley Fool
Third Coast (TCBX) Q3 2026 Earnings Call Transcript
Oct 22 · 18:04 MarketBeat
What Third Coast Bancshares (TCBX) Said on Its Q3 Earnings Call
▸ Show all 13 press releases & news Free account →

TCBX earnings at a glance

The options market is pricing a move of about ±7.1% after the report, a range of roughly $36.94 to $42.56 from today's $39.75. Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±4.3% on average; after the most recent report on Jul 22, 2026 it moved +5.6%. That means options currently expect more movement than TCBX has typically delivered. TCBX beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 60%. The share price of $39.75 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$36
$46
38% of range
Avg surprise (last 6)
+18.2%
Avg reaction (last 6)
+0.2%
50% positive
Latest IV / EM
60%
EM ±7.1% · $43 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.32$0.51$0.70$0.89$1.08 Actual $0.55Actual $0.53Actual $0.32Actual $0.61Actual $0.63Actual $0.74Actual $0.78Est $0.70Actual $0.96Est $0.75Actual $1.03Est $0.80Actual $1.02Est $0.90Actual $0.88Est $0.84Actual $1.08Est $0.88 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$6M$12M$17M$23M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Jul 22, 2026Jun/2026 $1.08 $0.88 +22.7% -8.3% +5.6% earnings
Wed Apr 22, 20268K 2026-04-22 $0.88 $0.84 +4.8% — -4.7% earnings
Wed Jan 21, 20268K 2026-01-21 $1.02 $0.90 +13.3% — +5.2% earnings
Wed Oct 22, 2025Sep/2025 $1.03 $0.80 +28.8% — -3.0% earnings
Wed Jul 23, 2025Jun/2025 $0.96 $0.75 +28.0% — +2.8% earnings
Wed Apr 23, 2025Mar/2025 $0.78 $0.70 +11.4% — -4.7% earnings
Mon Sep 30, 2024Sep 2024 $0.74 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.63 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.61 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.32 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.53 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.55 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$22M$16M—$18M$17M$14M—$13M
EPS (diluted)$1.08$0.88—$1.03$0.96$0.78—$0.74

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$404M$425M$175M$116M$113M$219M$371M$258M
Inventory————————
Total current assets————————
Total assets$6.74B$6.58B$5.34B$5.06B$4.94B$4.90B$4.94B$4.63B
Long-term debt————————
Total liabilities$6.06B$5.93B$4.81B$4.55B$4.45B$4.42B$4.48B$4.18B
Total equity$671M$651M$531M$514M$496M$480M$461M$451M

Implied volatility — last 90 days

18%47%75%103%132% Jun 07 — IV 42% · EM ±5.8%Jun 08 — IV 32% · EM ±4.2%Jun 09 — IV 33% · EM ±4.2%Jun 19 — IV 49% · EM ±10.9%Jun 22 — IV 53% · EM ±11.1%Jun 23 — IV 40% · EM ±8.1%Jun 24 — IV 41% · EM ±8.2%Jun 25 — IV 52% · EM ±10.3%Jun 26 — IV 71% · EM ±13.6%Jun 29 — IV 55% · EM ±9.7%Jun 30 — IV 56% · EM ±9.7%Jul 01 — IV 59% · EM ±9.9%Jul 02 — IV 61% · EM ±9.9%Jul 06 — IV 63% · EM ±8.8%Jul 07 — IV 66% · EM ±8.8%Jul 16 — IV 46% · EM ±1.9%Jul 20 — IV 46% · EM ±10.9%Jul 21 — IV 45% · EM ±10.5%Jul 22 — IV 46% · EM ±10.5%Jul 23 — IV 39% · EM ±8.8%Jul 24 — IV 37% · EM ±8.2%Jul 27 — IV 37% · EM ±7.8%Jul 28 — IV 51% · EM ±10.4%Jul 29 — IV 25% · EM ±5.1%Jul 30 — IV 54% · EM ±10.6%Jul 31 — IV 22% · EM ±4.3%Aug 03 — IV 21% · EM ±3.8%Aug 04 — IV 25% · EM ±4.3%Aug 05 — IV 20% · EM ±3.3%Aug 06 — IV 21% · EM ±3.3%Aug 07 — IV 26% · EM ±4.1%Aug 10 — IV 20% · EM ±2.7%Aug 11 — IV 24% · EM ±3.2%Aug 12 — IV 24% · EM ±3.0%Aug 13 — IV 26% · EM ±3.0%Aug 14 — IV 51% · EM ±5.6%Aug 17 — IV 30% · EM ±2.5%Aug 18 — IV 50% · EM ±3.6%Aug 19 — IV 19% · EM ±1.1%Aug 20 — IV 42% · EM ±1.7%Aug 24 — IV 40% · EM ±8.3%Aug 25 — IV 38% · EM ±7.8%Aug 28 — IV 36% · EM ±7.0%Aug 31 — IV 39% · EM ±7.0%Sep 01 — IV 44% · EM ±7.5%Sep 02 — IV 45% · EM ±7.4%Sep 04 — IV 42% · EM ±6.6%Sep 07 — IV 48% · EM ±6.6%Sep 08 — IV 50% · EM ±6.6%Sep 14 — IV 69% · EM ±5.7%Sep 15 — IV 79% · EM ±5.7%Sep 16 — IV 94% · EM ±5.5%Sep 17 — IV 132% · EM ±5.5%Sep 21 — IV 40% · EM ±8.3%Sep 22 — IV 56% · EM ±11.4%Sep 23 — IV 49% · EM ±9.8%Sep 24 — IV 42% · EM ±8.2%Sep 25 — IV 48% · EM ±9.2%Sep 28 — IV 53% · EM ±9.4%Sep 29 — IV 43% · EM ±7.4%Sep 30 — IV 44% · EM ±7.4%Oct 02 — IV 50% · EM ±7.8%Oct 05 — IV 57% · EM ±7.8%Oct 06 — IV 59% · EM ±7.8%Oct 07 — IV 82% · EM ±10.3%Oct 08 — IV 60% · EM ±7.1%

Sector peers

HIFS
Hingham Institution for Savings
$614M $302.87+3.3%
SMBC
Southern Missouri Bancorp, Inc.
$781M $71.97+2.1%
GCBC
Greene County Bancorp, Inc.
$582M $35.61+3.0%
HBCP
Home Bancorp, Inc.
$520M $61.68+3.1%
PBFS
Pioneer Bancorp, Inc.
$431M $18.18+1.3%
NBBK
NB Bancorp, Inc.
$976M $23.09+3.1%

TCBX earnings FAQ

What is TCBX's expected move for earnings?

Options currently price a move of about ±7.1%, or $2.81 per share either way from $39.75.

How does TCBX stock usually react to earnings?

Across the last 6 reports the average next-day move was ±4.3%, up 3 times and down 3 times.

What is TCBX's implied volatility?

TCBX's at-the-money implied volatility is about 60% based on the latest options snapshot.

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