Financial Data and Key Metrics Changes - The company reported a net income of $16,900,000 for Q3 2025, an increase of 8.3% compared to the previous year, resulting in a return on assets (ROA) of 1.41% and a return on equity (ROE) of 15.1% [9][10] - Net interest income rose by $15,000,000 or 3% from the previous quarter, primarily due to an improved net interest margin and growth in average earning assets of $229,000,000 [10] - The efficiency ratio improved to 53.05% for the third quarter, indicating enhanced operational efficiency [8] Business Line Data and Key Metrics Changes - Average loans increased by $158,000,000 compared to Q2 2025, with period-end loans up by $85,400,000 [10] - Deposits increased by $92,000,000 for the quarter, resulting in a loan-to-deposit ratio of 95% [10] - Capitalized loan fees reached a record $19,900,000, contributing to the overall loan growth [11] Market Data and Key Metrics Changes - The company surpassed $5,000,000,000 in total assets for the first time, achieving a compound annual growth rate of 19.3% since its IPO in November 2021 [6] - The yield on the investment securities portfolio was reported at 6.07% as of September 30, 2025 [10] Company Strategy and Development Direction - The company announced a definitive merger agreement with Keystone Bancshares, expected to close in 2026, which will create a combined entity with total assets exceeding $6,000,000,000 [16][17] - The merger aims to enhance market presence and operational efficiency, leveraging shared commitment to relationship banking and customer service [17][18] - The company remains focused on organic growth while being opportunistic in pursuing additional M&A opportunities that align with its strategic goals [59] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in meeting loan growth targets of $50,000,000 to $100,000,000 in Q4 2025, supported by a strong loan pipeline [17][29] - The company anticipates continued strong performance in the remainder of 2025, with a disciplined approach to underwriting and portfolio management [18] - Management highlighted the stability of credit quality, with non-accrual loans declining for the second consecutive quarter [13] Other Important Information - The company received international recognition for its securitization transactions, winning the SCI Risk Sharing Award for North American Transaction of the Year [7] - The efficiency improvements and stable expenses contributed to a total net income of $18,100,000 for the quarter [8] Q&A Session Summary Question: Integration process timeline for the Keystone merger - Management expects a straightforward integration process with core conversion planned for early Q2 2026 due to operational compatibility [21][22] Question: Loan growth expectations for Q4 - Management remains comfortable with the loan growth target of $50,000,000 to $100,000,000, citing strong demand and quality of the loan pipeline [24][29] Question: EPS accretion expectations from the merger - EPS accretion estimates are based on consensus, with management confident that synergies will enhance the financial benefits of the merger [33][36] Question: Near-term securitization strategy - A third securitization is being considered for Q1 2026, with the timing dependent on customer demand [37] Question: Future M&A opportunities - The company will remain disciplined in pursuing M&A, focusing on cultural fit and financial rewards, while continuing to execute its organic growth strategy [56][59] Question: Fee income outlook - Management anticipates a potential step down in fee income for Q4 due to seasonal factors, but remains optimistic about ongoing fee income initiatives [48] Question: Hiring efforts to support growth - The company is selectively hiring top talent to support growth, focusing on high productivity and cultural fit [52]

Financial Data and Key Metrics Changes - The company surpassed $5 billion in total assets for the first time, achieving a compound annual growth rate of 19.3% since its IPO in November 2021 [5] - Net income for the third quarter was $16.9 million, an increase of 8.3% compared to the second quarter of 2025, resulting in a return on average assets (ROAA) of 1.41% and a return on equity (ROE) of 15.1% [8][9] - The efficiency ratio improved to 53.05% for the third quarter, indicating better operational efficiency [6][7] Business Line Data and Key Metrics Changes - Net interest income increased by $1.5 million, or 3%, primarily due to a better-than-expected net interest margin and growth in average earning assets of $229 million [9] - Average loans rose by $158 million compared to the second quarter, while period-end loans increased by $85.4 million [9] - Non-interest expenses remained stable, with salary and employee benefits rising but legal and professional expenses declining [9] Market Data and Key Metrics Changes - Deposits increased by $92 million for the quarter, resulting in a loan-to-deposit ratio of 95% [9] - The yield on the investment securities portfolio was 6.07%, with total investment securities rising to $583 million [9] Company Strategy and Development Direction - The company announced a definitive merger agreement with Keystone Bancshares, expected to close in the first quarter of 2026, which will create a combined entity with total assets exceeding $6 billion [14] - The merger aims to enhance market presence and leverage shared commitment to relationship banking and customer service [15] - The company remains focused on organic growth, targeting loan growth of $50 to $100 million in the fourth quarter [15] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in meeting loan growth targets, citing strong demand and a robust loan pipeline [15][21] - The company anticipates that the remainder of 2025 will be consistent with prior quarters, with a disciplined approach to underwriting and portfolio management [15] - Management highlighted the importance of maintaining strong credit quality and risk management practices [11] Other Important Information - The company received international recognition for its securitization transactions, winning the SCI Risk Sharing Award for North American Transaction of the Year [5] - The company is positioned as a strong performer in the market, with a commitment to delivering sustained value for shareholders [8] Q&A Session Summary Question: Integration process timeline for the merger with Keystone - Management expects a straightforward integration process, targeting an early second quarter core conversion [18] Question: Loan growth expectations for Q4 - Management remains comfortable with the $50 million to $100 million loan growth target, despite potential volatility in paydowns [19][20] Question: EPS accretion expectations from the merger - EPS accretion is based on consensus estimates, with management believing the actual number may be more favorable due to potential synergies not included in initial projections [26][28] Question: Near-term securitization strategy - A third securitization is being considered, likely in the first quarter of the following year [30] Question: Future M&A opportunities - The company is open to future deals but emphasizes the need for financial rewards and cultural fit, maintaining a disciplined approach [45][47] Question: Fee income and growth initiatives - Fee income has shown strong momentum, with expectations for continued growth, although a slight step down is anticipated in the fourth quarter due to seasonal factors [36][38] Question: Hiring efforts to support loan growth - The company is selectively hiring top talent to support growth, focusing on high productivity and cultural fit [41][43] Question: Geographic expansion plans - The company aims to continue building around the Texas Triangle and is open to opportunities that enhance shareholder value [61][63]

Financial Performance - Record net income of $18.1 million for Q3 2025, up from $16.7 million in Q2 2025 and $12.8 million in Q3 2024[6] - Basic and diluted earnings per share reached $1.22 and $1.03, respectively, compared to $1.12 and $0.96 in Q2 2025 and $0.85 and $0.74 in Q3 2024[7] - Noninterest income increased to $3.6 million in Q3 2025, up from $2.7 million in Q2 2025 and $2.5 million in Q3 2024[10] - Net income for the nine months ended September 30, 2024, was $48,393,000, compared to $33,938,000 for the same period in 2023, marking a growth of 42.5%[27] - Basic earnings per share for the nine months ended September 30, 2024, was $2.23, compared to $1.12 for the same period in 2023, reflecting an increase of 99.1%[27] - Net income available to common shareholders for the nine months ended September 2025 was $44,840,000, up from $30,385,000 in the same period of 2024, reflecting a year-over-year increase of 47.5%[42] Asset and Liability Management - Total assets increased to $5,061,808 thousand as of September 30, 2025, up from $4,943,771 thousand in the previous quarter, representing a growth of 2.2%[25] - Total liabilities increased to $4,547,978 thousand, up from $4,447,656 thousand in the previous quarter, representing a growth of 2.3%[25] - Total deposits rose to $4.37 billion, a 2.1% increase from $4.28 billion in Q2 2025 and a 9.5% increase from $3.99 billion in Q3 2024[17] - Total shareholders' equity increased to $513,830 thousand, a rise of 3.4% from $496,115 thousand in the prior quarter[25] - Total common equity to total assets ratio improved to 8.84% as of September 30, 2025, compared to 8.70% a year earlier, showing enhanced asset utilization[29] Loan and Credit Quality - Gross loans increased to $4.17 billion, a 2.1% increase from $4.08 billion in Q2 2025 and a 7.1% increase from $3.89 billion in Q3 2024[13] - Provision for credit loss was $2.8 million, with an allowance for credit losses of $42.6 million representing 1.02% of gross loans[15] - Nonperforming loans to total loans ratio improved to 0.52% in September 2025 from 0.49% in June 2025[38] - Nonaccrual loans decreased to $10,723 thousand in September 2025, down from $13,358 thousand in June 2025, a reduction of 19.5%[38] - The allowance for credit losses was $42,563 thousand, compared to $40,035 thousand in the previous quarter, reflecting a 6.3% increase[25] Efficiency and Cost Management - Efficiency ratio improved to 53.03% in Q3 2025 from 55.45% in Q2 2025 and 59.57% in Q3 2024[12] - The average cost of deposits was 3.56%, a decrease of 3 basis points from Q2 2025 and 62 basis points from Q3 2024[18] - Total noninterest expense for the nine months ended September 30, 2024, was $61,223,000, compared to $22,829,000 for the same period in 2023, showing a significant increase of 168.5%[27] Capital Position - Estimated Tier 1 capital to risk-weighted assets was 10.25% as of September 30, 2025, slightly up from 10.20% in the previous year, indicating a strong capital position[29] - Estimated total capital to risk-weighted assets was 12.90% as of September 30, 2025, up from 12.87% in the previous year, reflecting a solid capital base[29] - Tangible common equity reached $428,950,000 in September 2025, compared to $365,549,000 in September 2024, marking an increase of 17.3%[42] Shareholder Value - Book value per share increased to $32.25 as of September 30, 2025, up from $31.04 a year earlier, reflecting a growth of 3.91%[29] - Common shares outstanding at the end of the period were 13,879,091 in September 2025, compared to 13,667,591 in September 2024, indicating a slight increase[42] - Return on average common equity improved to 15.14% in September 2025, up from 11.05% in September 2024, showing a significant increase of 37.5%[42]

Core Points - Third Coast Bancshares, Inc. will report its 2025 third quarter financial results on October 22, 2025, after market close [1] - A conference call and webcast to discuss these results is scheduled for October 23, 2025, at 11:00 a.m. Eastern Time [2] Company Overview - Third Coast Bancshares, Inc. is a Texas-based bank holding company primarily operating in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets through its subsidiary, Third Coast Bank [3] - The bank was founded in 2008 and operates 19 branches in Texas's four largest metropolitan areas [3] Additional Information - The company has been recognized as a finalist for "2025 North American Issuer of the Year" and "2025 North American Transaction of the Year" by Structured Credit Investor [4] - Third Coast Bancshares has announced a transfer of its common stock listing to the New York Stock Exchange [5]

Core Points - Third Coast Bancshares, Inc. has been nominated for the 2025 North American Issuer of the Year by SCI, recognizing its significant securitizations and leadership in risk management innovation in the regional banking sector [1][2] - The company and EJF Capital, LLC were also nominated for North American Transaction of the Year for their innovative commercial real estate loan securitization completed in April 2025, which was the first synthetic risk transfer deal by a U.S. bank of Third Coast's asset size of $5 billion [2][3] - The CEO of Third Coast expressed pride in the nominations, highlighting the company's commitment to improving its risk profile and capital ratios through innovative capital management [3] Company Overview - Third Coast Bancshares, Inc. is a Texas-based bank holding company primarily operating in major metropolitan areas such as Greater Houston, Dallas-Fort Worth, and Austin-San Antonio through its subsidiary, Third Coast Bank [3] - The company was founded in 2008 and operates 19 branches across Texas [3] Recent Developments - Effective October 6, 2025, Third Coast Bancshares, Inc.'s common stock will transition to trading on the New York Stock Exchange under the ticker symbol "TCBX" [3]

Core Points - Third Coast Bancshares, Inc. has announced the transfer of its common stock listing from Nasdaq to the New York Stock Exchange (NYSE) [1] Group 1 - The board of directors of Third Coast Bancshares, Inc. approved the transfer of the listing [1]

Group 1 - Third Coast Bancshares (NASDAQ: TCBX) is reaffirmed as a 'buy' candidate despite a decline in stock price prior to May [1] - The focus of Crude Value Insights is on cash flow and companies that generate it, highlighting value and growth prospects in the oil and natural gas sector [1] Group 2 - Subscribers have access to a model account with over 50 stocks, detailed cash flow analyses of exploration and production firms, and live discussions about the sector [2] - A two-week free trial is available for new subscribers to explore opportunities in the oil and gas industry [3]

PART I. FINANCIAL INFORMATION [Item 1. Financial Statements](index=5&type=section&id=Item%201.%20Financial%20Statements) This section presents the unaudited consolidated financial statements for Third Coast Bancshares, Inc. as of June 30, 2025, including balance sheets, income statements, and cash flows, with detailed notes [Consolidated Balance Sheets](index=5&type=section&id=Consolidated%20Balance%20Sheets) Total assets remained stable at approximately **$4.94 billion** as of June 30, 2025, with a significant decrease in cash offset by increased net loans and held-to-maturity securities, while total shareholders' equity increased to **$496.1 million** Consolidated Balance Sheet Highlights (in thousands) | Account | June 30, 2025 (unaudited) | December 31, 2024 | | :--- | :--- | :--- | | **Total Assets** | **$4,943,771** | **$4,942,446** | | Cash and cash equivalents | $118,956 | $421,202 | | Investment securities available-for-sale | $355,753 | $384,025 | | Investment securities held-to-maturity | $206,065 | $0 | | Loans, net | $4,039,701 | $3,926,121 | | **Total Liabilities** | **$4,447,656** | **$4,481,727** | | Total deposits | $4,280,869 | $4,310,498 | | **Total Shareholders' Equity** | **$496,115** | **$460,719** | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) Net income for Q2 2025 increased by **55.1%** to **$16.7 million**, and for the six months ended June 30, 2025, it rose **43.3%** to **$30.3 million**, primarily driven by a **27.1%** increase in net interest income for the quarter Key Income Statement Data (in thousands, except per share data) | Metric | Q2 2025 | Q2 2024 | YoY Change | H1 2025 | H1 2024 | YoY Change | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $49,374 | $38,858 | +27.1% | $92,171 | $76,937 | +19.8% | | Net Income | $16,747 | $10,796 | +55.1% | $30,336 | $21,163 | +43.3% | | Diluted EPS | $0.96 | $0.63 | +52.4% | $1.74 | $1.25 | +39.2% | [Consolidated Statements of Cash Flows](index=9&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) For the six months ended June 30, 2025, the company experienced a net decrease in cash and cash equivalents of **$302.2 million**, primarily due to **$295.2 million** in net cash used in investing activities, including **$116.2 million** in net loan originations and **$206.1 million** in held-to-maturity securities purchases Summary of Cash Flows (in thousands) | Cash Flow Activity | Six Months Ended June 30, 2025 | Six Months Ended June 30, 2024 | | :--- | :--- | :--- | | Net cash provided by operating activities | $24,354 | $16,730 | | Net cash used in investing activities | ($295,223) | ($222,909) | | Net cash (used in) provided by financing activities | ($31,377) | $48,231 | | **Change in cash and cash equivalents** | **($302,246)** | **($157,948)** | [Notes to Unaudited Consolidated Financial Statements](index=11&type=section&id=Notes%20to%20Unaudited%20Consolidated%20Financial%20Statements) This section provides detailed explanations of the company's accounting policies and financial data, covering investment securities, loan portfolio, deposits, borrowings, regulatory capital, and derivatives - The company provides commercial and consumer banking services through **19 branches** in major Texas markets, including Greater Houston, Dallas-Fort Worth, and Austin-San Antonio[27](index=27&type=chunk) - During Q2 2025, the company completed two securitizations of commercial real estate loans totaling **$250 million** and purchased **$205.5 million** of the resulting Class A-1 asset-backed notes, classified as held-to-maturity securities[95](index=95&type=chunk)[96](index=96&type=chunk) Loan Portfolio Composition (in thousands) | Loan Type | June 30, 2025 | December 31, 2024 | | :--- | :--- | :--- | | Real estate loans | $2,227,074 | $2,339,277 | | Commercial & industrial | $1,724,583 | $1,497,408 | | Municipal and other | $126,873 | $127,881 | | Consumer | $1,206 | $1,859 | | **Total Loans** | **$4,079,736** | **$3,966,425** | Regulatory Capital Ratios (Company Consolidated) | Ratio | June 30, 2025 | Minimum Requirement | | :--- | :--- | :--- | | Common equity tier 1 capital | 8.75% | 7.00% | | Tier 1 capital | 10.20% | 8.50% | | Total capital | 12.87% | 10.50% | | Tier 1 leverage | 9.65% | 4.00% | [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=67&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses the company's financial performance, highlighting a **43.3%** increase in net income for the first six months of 2025, driven by a **19.8%** rise in net interest income, alongside loan portfolio growth, deposit changes, securities transactions, stable credit quality, and a strong capital position [Results of Operations](index=69&type=section&id=Results%20of%20Operations) For the six months ended June 30, 2025, net interest income increased by **$15.2 million (19.8%)** year-over-year, and net income grew by **$9.2 million (43.3%)** to **$30.3 million**, while noninterest expense increased by **$5.4 million (10.5%)** due to higher salaries and regulatory assessments Net Interest Margin and Spread Analysis | Metric | Six Months Ended June 30, 2025 | Six Months Ended June 30, 2024 | | :--- | :--- | :--- | | Net Interest Income | $92,171 thousand | $76,937 thousand | | Net Interest Spread | 3.31% | 2.74% | | Net Interest Margin | 4.02% | 3.61% | - The provision for credit losses decreased to **$2.6 million** for H1 2025 from **$3.5 million** in H1 2024, primarily reflecting provisioning for new loan originations[294](index=294&type=chunk) - Salaries and employee benefits increased by **$4.1 million (12.6%)** in H1 2025 compared to H1 2024, due to new hires, increased bonus expense, and reduced salary deferrals related to loan fundings[301](index=301&type=chunk) [Financial Condition](index=77&type=section&id=Financial%20Condition) As of June 30, 2025, total assets were stable at **$4.94 billion**, with total loans growing by **$113.3 million (2.9%)** to **$4.08 billion**, while total deposits decreased slightly by **$29.6 million**, and nonperforming assets remained stable at **0.58%** of total assets - Total loans increased to **$4.08 billion** at June 30, 2025, a **2.9%** increase from year-end 2024, driven by a **15.2%** growth in commercial and industrial loans[315](index=315&type=chunk)[324](index=324&type=chunk) Nonperforming Assets (in thousands) | Metric | As of June 30, 2025 | As of December 31, 2024 | | :--- | :--- | :--- | | Total nonperforming loans | $20,113 | $27,946 | | Total nonperforming assets | $28,693 | $28,808 | | Ratio of nonperforming assets to total assets | 0.58% | 0.58% | - Total deposits decreased by **0.7%** to **$4.28 billion**, as a **26.8%** decrease in noninterest-bearing deposits was mostly offset by a **3.6%** increase in interest-bearing deposits[346](index=346&type=chunk) [Liquidity and Capital Resources](index=91&type=section&id=Liquidity%20and%20Capital%20Resources) The company maintains a strong liquidity position with significant available borrowing capacity, including **$491.8 million** from the FHLB and **$1.8 billion** from the Federal Reserve's Discount Window, while total shareholders' equity increased by **$35.4 million** to **$496.1 million**, and both the company and the Bank remain 'well capitalized' - As of June 30, 2025, the company had significant available borrowing capacity, including **$491.8 million** from FHLB and **$1.8 billion** from the Federal Reserve Discount Window[358](index=358&type=chunk) - Total shareholders' equity increased by **7.7%** to **$496.1 million** in the first six months of 2025, primarily due to **$30.3 million** in net income[363](index=363&type=chunk) - Both the Company and the Bank were classified as 'well capitalized' under all regulatory capital requirements as of June 30, 2025[365](index=365&type=chunk)[366](index=366&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=98&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company's primary market risk is interest rate volatility, managed through simulation models and shock analyses, indicating that a **+200 basis point** shock would increase net interest income by **1.59%** over a 12-month horizon Interest Rate Sensitivity Analysis (as of June 30, 2025) | Change in Interest Rates (Basis Points) | Simulated % Change in Net Interest Income | Simulated % Change in Fair Value of Equity | | :--- | :--- | :--- | | +300 | 2.15% | (5.68)% | | +200 | 1.59% | (2.88)% | | +100 | 0.90% | (0.94)% | | -100 | (1.26)% | (0.40)% | [Item 4. Controls and Procedures](index=98&type=section&id=Item%204.%20Controls%20and%20Procedures) Management, including the CEO and CFO, concluded that the company's disclosure controls and procedures were effective as of June 30, 2025, with no material changes to internal control over financial reporting during the quarter - The CEO and CFO concluded that the company's disclosure controls and procedures were effective as of the end of the period covered by the report[395](index=395&type=chunk) - No changes in internal control over financial reporting occurred during the quarter that have materially affected, or are reasonably likely to materially affect, these controls[396](index=396&type=chunk) PART II. OTHER INFORMATION [Item 1. Legal Proceedings](index=99&type=section&id=Item%201.%20Legal%20Proceedings) The company is not currently subject to any material legal proceedings, and any ongoing litigation is considered part of the ordinary course of business with no expected material adverse effect on financial condition - The company is not subject to any material legal proceedings, and management believes the impact of any ordinary course litigation is remote[399](index=399&type=chunk)[400](index=400&type=chunk) [Item 1A. Risk Factors](index=99&type=section&id=Item%201A.%20Risk%20Factors) There have been no material changes to the risk factors previously disclosed in the company's Annual Report on Form 10-K for the year ended December 31, 2024 - No material changes have occurred in the risk factors disclosed in the Company's Annual Report on Form 10-K filed on March 5, 2025[401](index=401&type=chunk) [Item 2. Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities](index=99&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%2C%20Use%20of%20Proceeds%2C%20and%20Issuer%20Purchases%20of%20Equity%20Securities) There were no unregistered sales of equity securities, use of proceeds, or issuer purchases of equity securities during the reporting period - None reported for the period[402](index=402&type=chunk) [Item 5. Other Information](index=99&type=section&id=Item%205.%20Other%20Information) No director or officer of the company adopted or terminated a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended June 30, 2025 - No director or officer adopted or terminated a Rule 10b5-1 trading arrangement during the second quarter of 2025[405](index=405&type=chunk) [Item 6. Exhibits](index=100&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including certifications by the Principal Executive Officer and Principal Financial Officer

Group 1 - The article discusses the author's journey into investing, starting in high school in 2011, focusing on REITs, preferred stocks, and high-yield bonds, indicating a long-standing interest in markets and the economy [1] - The author has recently adopted a strategy that combines long stock positions with covered calls and cash secured puts, emphasizing a fundamental long-term investment approach [1] - The author primarily covers REITs and financials on Seeking Alpha, with occasional articles on ETFs and other stocks influenced by macro trade ideas [1]

Core Viewpoint - Third Coast Bancshares, Inc. (TCBX) shows potential as a strong investment opportunity due to significant upward revisions in earnings estimates, indicating a positive earnings outlook and potential for continued stock price appreciation [1][2]. Earnings Estimate Revisions - The trend of increasing earnings estimate revisions reflects growing analyst optimism regarding the company's earnings prospects, which is expected to positively influence its stock price [2]. - For the current quarter, the earnings estimate is projected at $0.80 per share, representing an 8.1% year-over-year increase, with a 6.46% rise in consensus estimates over the past 30 days due to three upward revisions and no negative changes [5]. - For the full year, the earnings estimate is expected to be $3.30 per share, marking an 18.7% increase from the previous year, with a 6.89% rise in consensus estimates driven by three upward revisions and no negative changes [6][7]. Zacks Rank and Performance - Third Coast Bancshares currently holds a Zacks Rank 1 (Strong Buy), indicating strong agreement among analysts on the positive earnings revisions, which historically correlates with outperformance in stock returns [3][8]. - Stocks with a Zacks Rank 1 and 2 have shown significant outperformance compared to the S&P 500, suggesting that TCBX may continue to deliver strong returns [8]. Investment Outlook - The stock has appreciated by 15.6% over the past four weeks due to favorable estimate revisions, and further upside potential remains, making it a candidate for immediate portfolio addition [9].