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Beacon Financial vs Third Coast Bancshares: BBT and TCBX compared
Beacon Financial is the larger company: $114M of revenue in its latest quarter (Q2 2025) against $65.9M for Third Coast Bancshares (Q3 2026). Third Coast Bancshares is growing faster (+21% against +5% a year earlier). Beacon Financial is more profitable, with an operating margin of 36.5% against 36.1%.
Where the money goes: BBT and TCBX
Beacon Financial (BBT) · Q2 2025
Beacon Financial, Q2 2025: revenue $114M (+5% year over year), operating margin 36.5%, net earnings $30.4M, operating cash flow $38.5M. The chart follows the revenue to costs, profit and cash.
Third Coast Bancshares (TCBX) · Q3 2026
Third Coast Bancshares, Q3 2026: revenue $65.9M (+21% year over year), operating margin 36.1%, net earnings $19.0M, operating cash flow $8.9M. The chart follows the revenue to costs, profit and cash.
| Beacon Financial (BBT) | Third Coast Bancshares (TCBX) | |
|---|---|---|
| Latest quarter | Q2 2025 | Q3 2026 |
| Revenue | $114M | $65.9M |
| Revenue growth, Y/Y | +5% | +21% |
| Operating margin | 36.5% | 36.1% |
| Net earnings | $30.4M | $19.0M |
| Net margin | 26.7% | 28.9% |
| Operating cash flow | $38.5M | $8.9M |
| Free cash flow | $36.3M | — |
Where the revenue comes from
Third Coast Bancshares
- Net interest income: $59.5M (90%)
- Noninterest income: $6.3M (10%)
Questions
Which is bigger, Beacon Financial or Third Coast Bancshares?
Beacon Financial is the larger company: $114M of revenue in its latest quarter (Q2 2025) against $65.9M for Third Coast Bancshares (Q3 2026).
Is Beacon Financial or Third Coast Bancshares growing faster?
Third Coast Bancshares is growing faster (+21% against +5% a year earlier).
Which is more profitable, Beacon Financial or Third Coast Bancshares?
Beacon Financial is more profitable, with an operating margin of 36.5% against 36.1%.
More: Beacon Financial earnings · how Beacon Financial makes money · Third Coast Bancshares earnings · how Third Coast Bancshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 11, 2025; 10-Q filed Nov 3, 2026). Fiscal quarters can end on different dates. Not investment advice.