Third Coast Bancshares, Inc. (TCBX) Earnings History
Growth Compounder7 years of earnings data (2019–2025) · Consistent double-digit EPS growth over 5 years
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Third Coast Bancshares, Inc. (TCBX) Earnings Overview
As of June 13, 2026, Third Coast Bancshares, Inc. (TCBX) reported trailing twelve-month net income of $66M, reflecting +36.3% year-over-year growth. The company earned $4.05 per diluted share over the past four quarters, with a net profit margin of 18.1%.
Looking at the long-term picture, TCBX's 5-year EPS compound annual growth rate (CAGR) stands at +14.7%, showing solid earnings momentum. The company achieved its highest annual net income of $66M in fiscal 2025, representing a new all-time high.
Third Coast Bancshares, Inc. maintains industry-leading profitability with a gross margin of 55.3%, operating margin of 23.2%, and net margin of 18.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($254M net income, 30.7% margin), SBSI ($71M net income, 16.5% margin), TCBI ($357M net income, 16.5% margin), TCBX has room to improve margins relative to the peer group. Compare TCBX vs FFIN →
TCBX Earnings vs Peers
Earnings metrics vs comparable public companies
TCBX Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $66M | +39.1% | $85M | $3.79 | 18.1% | 23.2% |
| 2024 | $48M | +42.7% | $61M | $2.78 | 14.1% | 18.1% |
| 2023 | $33M | +79.0% | $42M | $1.98 | 12.2% | 15.2% |
| 2022 | $19M | +63.3% | $23M | $1.25 | 11.6% | 14.5% |
| 2021 | $11M | -5.7% | $14M | $1.40 | 11.1% | 14.0% |
| 2020 | $12M | +408.8% | $16M | $1.91 | 14.5% | 18.7% |
| 2019 | $2M | - | $3M | $0.33 | 4.7% | 6.4% |
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Compare NowTCBX — Frequently Asked Questions
Quick answers to the most common questions about buying TCBX stock.
What is TCBX earnings per share (EPS)?
TCBX trailing twelve-month (TTM) diluted EPS is $4.05, reflecting +36.3% year-over-year growth. The 5-year EPS CAGR is +14.7%. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is Third Coast Bancshares, Inc.'s net income?
Third Coast Bancshares, Inc. (TCBX) trailing twelve-month net income is $66M as of 2025. Earnings grew +36.3% year-over-year. Third Coast Bancshares, Inc. has been profitable for 7 consecutive years.
Is TCBX profitable?
Yes, TCBX is profitable with a TTM net income of $66M and a net profit margin of +18.1%. Third Coast Bancshares, Inc. has generated profits for 7 consecutive years.
What is TCBX's earnings growth rate?
TCBX compound annual EPS growth rates (CAGR): 1-Year: +36.3%, 3-Year: +44.7%, 5-Year: +14.7%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are TCBX's profit margins?
Third Coast Bancshares, Inc. net profit margin is +18.1%, operating margin is +23.2%, and gross margin is +55.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +13.4%.
Is TCBX growing earnings?
Yes, TCBX earnings are accelerating — EPS growth of +36.3% exceeds the 5-year CAGR of +14.7%. TTM net income reached $66M. Earnings momentum is strengthening.
What was TCBX's best earnings year?
Third Coast Bancshares, Inc.'s highest annual net income on record is $66M, achieved in fiscal year 2025. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were TCBX's earnings last quarter?
TCBX's most recent reported quarter was Q4 2025. Net income was $18M with diluted EPS of $1.02. For a full breakdown of all quarters, see the quarterly earnings table on this page.