UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to _____________ Commission File Number: 001-41028 THIRD COAST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Texas 46 ...

评级升级核心观点 - Third Coast Bancshares Inc (TCBX) 的股票评级被上调至Zacks Rank 1 (强力买入) [1] - 此次评级上调主要反映了盈利预期的上升趋势 这是影响股价最强大的力量之一 [1] - 评级上调本质上是对公司盈利前景的积极评价 可能对其股价产生有利影响 [3] Zacks评级体系分析 - Zacks评级完全基于公司盈利状况的变化 通过Zacks共识预期跟踪分析师对当前及下一财年的每股收益预测 [1] - 该评级体系利用与盈利预测相关的四个因素 将股票分为五个等级 从1 (强力买入) 到 5 (强力卖出) [7] - Zacks Rank 1 的股票自1988年以来实现了平均每年+25%的回报率 拥有经过外部审计的优秀业绩记录 [7] - 该体系在任何时间点对其覆盖的4000多只股票均保持“买入”和“卖出”评级的均衡比例 仅有前5%的股票获得“强力买入”评级 [9] 盈利预测修正的影响 - 公司未来盈利潜力的变化（反映在盈利预测修正中）与股票短期价格走势已被证明存在强相关性 [4] - 机构投资者使用盈利和盈利预测来计算公司股票的公平价值 其估值模型中盈利预测的增减会直接导致股票公平价值的升降 进而引发大规模交易和股价变动 [4] - 实证研究表明 跟踪盈利预测修正趋势对于投资决策可能带来丰厚回报 [6] Third Coast Bancshares具体预测 - 市场预计公司在2025财年的每股收益为3.66美元 与去年同期相比没有变化 [8] - 在过去的三个月里 针对该公司的Zacks共识预期已上升了9.3% [8] - 评级上调至Zacks Rank 1表明该公司在盈利预测修正方面位列Zacks覆盖股票的前5% 意味着其股票可能在短期内走高 [10]

Here are five stocks added to the Zacks Rank #1 (Strong Buy) List today:Comfort Systems USA (FIX) : This company, which is a national provider of comprehensive heating, ventilation and air conditioning installation, maintenance, repair and replacement services, has seen the Zacks Consensus Estimate for its current year earnings increasing 5.8% over the last 60 days.Third Coast Bancshares (TCBX) : This commercially focused bank holding company which, offers saving accounts, account checking, consumer and bus ...

合并交易条款 - Third Coast Bancshares Inc (TCBX) 与 Keystone Bancshares Inc 达成合并交易 [1] - Keystone 股东可选择获得每股 0.45925 股 Third Coast 普通股 [1] - Keystone 股东也可选择获得现金，金额为 0.45925 乘以 Third Coast 普通股在合并协议规定的20个交易日内每股成交量加权平均价格 [1] 律师事务所背景 - Monteverde & Associates PC 是一家全国性证券集体诉讼律师事务所，总部位于纽约帝国大厦 [1][2] - 该律所在2024年ISS证券集体诉讼服务报告中被评为Top 50 Firm [1] - 该律所已为股东追回数百万美元资金 [1][4][6] 相关调查 - Monteverde & Associates PC 正在对 Third Coast Bancshares Inc (TCBX) 的合并交易进行调查 [1] - 该律所同时宣布对 Qorvo Inc (QRVO) 进行调查 [4] - 该律所也宣布对 Skyworks Solutions Inc (SWKS) 进行调查 [6]

核心观点 - Stonegate资本合伙公司更新对Third Coast Bancshares Inc (TCBX)的研报 公司第三季度净利润同比增长 净利息收入增长是主要驱动因素 但部分被更高的信贷损失拨备所抵消 公司预计将通过持续的效率提升举措来维持运营稳定 [1] 财务业绩 - 第三季度净利润为1810万美元 高于去年同期的1670万美元 [1] - 第三季度基本每股收益为122美元 稀释后每股收益为103美元 [1] - 净利润环比增长主要归因于更强的净利息收入和更高的非利差贷款费用 [1] - 资产回报率(ROAA)环比改善至141% 而上一季度为138% [7] - 净息差为410% 而第二季度为422% 去年同期为373% [7] 战略与运营 - 公司宣布达成明确协议 将以约123亿美元收购Keystone Bancshares [7] - 交易完成后 备考总资产将超过60亿美元 [7] - 收购预计将于2026年第一季度完成 [7] - 公司预计将继续优先考虑运营效率 维持其1%的改进计划 [1] - 预计非利息支出将保持稳定 以在当前宏观经济环境下支持公司发展 [1]

Third Coast Bancshares (NasdaqGS:TCBX) Q3 2025 Earnings Call October 23, 2025 11:00 AM ET Company ParticipantsAudrey Spaulding - Chief Credit OfficerBart Caraway - Founder, Chairman, President and CEONatalie Hairston - Head of Investor RelationsWoody Lay - VPJohn McWhorter - CFOMichael Rose - Managing Director of Equity ResearchDave Storms - Director of Equity ResearchConference Call ParticipantsBernard Von Gizycki - Equity Research AnalystMatthew Olney - Managing Director and Senior Equity AnalystOperatorG ...

Third Coast Bancshares (NasdaqGS:TCBX) Q3 2025 Earnings Call October 23, 2025 11:00 AM ET Company ParticipantsAudrey Spaulding - Chief Credit OfficerWoody Lay - VPBart Caraway - Founder, Chairman, President and CEONatalie Hairston - Head of Investor RelationsJohn McWhorter - CFOMichael Rose - Managing Director of Equity ResearchDave Storms - Director of Equity ResearchConference Call ParticipantsMatt Olney - Managing Director and Senior Equity AnalystBernard Von Gizycki - Equity Research AnalystOperatorGree ...

Third Coast Bancshares (NasdaqGS:TCBX) Q3 2025 Earnings Call October 23, 2025 11:00 AM ET Speaker0Greetings, and welcome to the Third Coast Bancshares Third Quarter Earnings Conference Call. At this time, all participants are in a listen only mode. A question and answer session will follow the formal presentation. Please note this conference is being recorded. I would now like to turn the conference over to your host, Ms.Natalie Hairston. Please go ahead.Speaker1Thank you, operator, and good morning, everyo ...

Third Coast Bancshares (NasdaqGS:TCBX) Q3 2025 Earnings Call October 23, 2025 11:00 AM ET Speaker1Greetings, and welcome to the Third Coast Bancshares Third Quarter Earnings Conference call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press *0 on your telephone keypad. Please note this conference is being recorded. I would now like to turn the conference ...

Exhibit 99.1 News Release Contact: Ken Dennard / Natalie Hairston Dennard Lascar Investor Relations (713) 529-6600 TCBX@dennardlascar.com FOR IMMEDIATE RELEASE Third Coast Bancshares, Inc. Reports 2025 Third Quarter Financial Results Record EPS of $1.22 and Diluted EPS of $1.03 in Latest Quarterly Results HOUSTON – October 22, 2025 – Third Coast Bancshares, Inc. (NYSE & NYSE Texas: TCBX) (the "Company," "Third Coast," "we," "us," or "our"), the bank holding company for Third Coast Bank (the "Bank"), today r ...