I've long argued that the efficiency ratio is the single most important variable investors should examine before buying a bank stock. The main reason is counterintuitive, but it's important to ...

Key Points - Earnings per share (GAAP) of $0.25 exceeded analyst estimates by 47.1% for Q2 2025, reflecting notable profitability improvement. Net interest income (GAAP) rose 36.4% year over year for ...

Third Coast Bancshares, Inc. (Nasdaq: TCBX): Stonegate Capital Partners updates their coverage on Third Coast Bancshares, Inc. For 2Q25, Third Coast reported net income of $16.8M, which is up from $13 ...

Key Points - United Bankshares (NASDAQ:UBSI) posted record GAAP earnings and revenue, both topping analyst forecasts in Q2 2025. The Piedmont Bancorp acquisition was a key driver, fueling growth in ...

Moreover, efficiency ratios at individual institutions tend to fluctuate wildly over time. For example, the efficiency ratio at New York Community Bancorp (NYB), which was the lowest (i.e. the best) ...

The resulting 38% cost/income ratio is well within the range of efficiency displayed by other Nordic banks we cover. Moreover, ...