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FAQ: Stonegate Capital Partners' Q4 2025 Coverage Update on Third Coast Bancshares, Inc. (TCBX)
TL;DR
Third Coast Bancshares maintained a steady 4.10% net interest margin in Q4 2025, offering investors a stable financial performance advantage despite merger expenses.
Third Coast Bancshares reported Q4 2025 net income of $17.9M with EPS of $1.21, driven by higher net interest income and non-margin loan fees offsetting merger costs.
Third Coast Bancshares' focus on operational efficiency and deposit growth supports financial stability that benefits customers and communities through reliable banking services.
Stonegate Capital Partners updated coverage on Third Coast Bancshares, noting the Keystone merger integration is progressing while maintaining steady financial metrics.
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This is an announcement from Stonegate Capital Partners updating their coverage on Third Coast Bancshares, Inc. (NYSE:TCBX) for the fourth quarter of 2025, including financial results and key takeaways.
For Q4 2025, Third Coast reported net income of $17.9 million, with basic EPS of $1.21 and diluted EPS of $1.02. This compares to $18.1 million in Q3 2025 and $13.7 million in Q4 2024.
The modest quarter-over-quarter decline was primarily driven by merger-related legal and professional expenses and higher salaries and benefits, partially offset by higher net interest income and an increase in non-margin loan fees.
The key takeaways are: (1) the merger is still on track, (2) net interest margin (NIM) held steady at 4.10%, and (3) the company increased the low end of its deposit growth range.
Stonegate anticipates the company will continue prioritizing operational efficiency, though near-term expense levels may remain somewhat noisy through the early stages of Keystone's integration.
Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Their affiliate, Stonegate Capital Markets, provides investment banking, equity research, and capital raising services.
The update was released on January 23, 2026, covering the fourth quarter of 2025 results.
The full announcement, including downloadable images and bios, can be accessed by clicking here.
You can contact Stonegate Capital Partners at (214) 987-4121 or via email at info@stonegateinc.com.
Curated from Reportable
