Third Coast Bancshares (TCBX)
Relationship-driven commercial lender concentrated in Texas's fastest-growing metro markets.
$44.71
Pre-market−0.16 (−0.36%)
At close$44.87(+2.26%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 71 | 79 | 81 | 84 | 85 | 88 | 84 | 91 | 96 | 96 | 101 | 51 |
| Cost of revenue | 37 | 41 | 42 | 44 | 43 | 43 | 38 | 41 | 44 | 40 | 44 | 44 |
| Gross profit | 34 | 38 | 39 | 40 | 42 | 45 | 45 | 49 | 52 | 56 | 57 | 7 |
| 27 | 26 | 26 | 25 | 25 | 27 | 28 | 28 | 29 | 33 | 38 | 26 | |
| 18 | 17 | 17 | 16 | 16 | 18 | 19 | 19 | 20 | 22 | 25 | 26 | |
| Selling & marketing | 1 | 1 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 1 | 1 | 1 |
| General & administrative | 17 | 16 | 17 | 16 | 16 | 17 | 18 | 18 | 20 | 21 | 25 | 25 |
| Other expenses | 9 | 10 | 9 | 9 | 9 | 9 | 9 | 10 | 9 | 11 | 13 | 0 |
| Operating income | 7 | 12 | 13 | 14 | 16 | 18 | 17 | 21 | 23 | 24 | 19 | −19 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −2 | 0 | 46 | |
| Interest income | 69 | 77 | 79 | 81 | 83 | 86 | 81 | 89 | 93 | 92 | 97 | −97 |
| Interest expense | 34 | 40 | 41 | 42 | 42 | 42 | 38 | 39 | 42 | 40 | 44 | 46 |
| Income before tax | 7 | 12 | 13 | 14 | 16 | 18 | 17 | 21 | 23 | 22 | 19 | 28 |
| Income tax expense | 1 | 2 | 3 | 3 | 3 | 4 | 4 | 4 | 5 | 4 | 3 | 6 |
| Net income from continuing operations | 6 | 10 | 10 | 11 | 13 | 14 | 14 | 17 | 18 | 18 | 16 | 22 |
| Net income | 6 | 10 | 10 | 11 | 13 | 14 | 14 | 17 | 18 | 18 | 16 | 22 |
| EPS, basic | $0.32 | $0.62 | $0.68 | $0.70 | $0.85 | $0.92 | $0.90 | $1.12 | $1.22 | $1.21 | $1.03 | $1.25 |
| EPS, diluted | $0.32 | $0.50 | $0.54 | $0.56 | $0.67 | $0.72 | $0.71 | $0.89 | $1.03 | $1.02 | $1.00 | $1.08 |
| Weighted average shares, basic | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 15 | 14 | 14 | 14 |
| Weighted average shares, diluted | 14 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 18 | 16 | 16 | 16 |
| EBITDA | 7 | 11 | 14 | 15 | 15 | 24 | 19 | 22 | 24 | 25 | 21 | −21 |
| Depreciation & amortization | 0 | −1 | 1 | 1 | −1 | 7 | 1 | 1 | 1 | 1 | 2 | −2 |
| EBIT | 7 | 12 | 13 | 14 | 16 | 18 | 17 | 21 | 23 | 24 | 19 | −19 |