Filing Flows › Financials › Third Coast Bancshares (TCBX)
Third Coast Bancshares (TCBX) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · Third Coast Bancshares (TCBX) Q3 2026 earnings results →
Q3 2026 Revenue up 21% year over year to $65.9M · 29¢ of every $1 of revenue kept as net profit · operating margin 36.1%
Third Coast Bancshares made $65.9M in Q3 2026 (+21% Y/Y): Net interest income $59.5M, Noninterest income $6.3M. Operating margin 36.1%, net earnings $19.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $65.9M in Q3 2026, up 21% year over year and down 3% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $8.7M year over year (up 17%), 76% of the total change.
Operating profit was $23.8M, a 36.1% margin (down 5.8 points year over year). Of the extra revenue versus a year earlier, 8% reached operating profit, below the 42% margin then. Total costs grew 33% against revenue growth of 21%. The fastest-growing cost line was Noninterest expense (+44%). Net earnings were $19.0M, up 5% year over year. The effective tax rate was 20.0%.
Operating cash flow was $8.9M (down 57% year over year), 47% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $782K of share-based compensation. Working capital and other items used $12.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $65.9M | +21% | 36.1% | $19.0M | $8.9M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Third Coast Bancshares
Third Coast Bancshares, Inc. is a commercially focused, Texas-based bank holding company operating primarily in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets through its wholly owned subsidiary, Third Coast Bank. Founded in 2008 in Humble, Texas, Third Coast Bank conducts banking operations through 21 branches encompassing the four largest metropolitan areas in Texas. Please visit https://www.thirdcoast.bank for more information.
In its own words, from its 8-K, filed Jul 22, 2026.
Third Coast Bancshares against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +21% against the peers' median +8%. Operating margin: 36.1% against the peers' median 36.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
| AVBC Avidia Bancorp | Q3 2026 | $31.2M | +11% | 37.1% |
Source: Third Coast Bancshares 10-Q on SEC EDGAR · CIK 1781730 · Savings Institutions, Not Federally Chartered
13F: who owns TCBX and who is buying
More on TCBX
History
Every quarter: Q3 2026 results