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TCBX stock logo

TCBX

Third Coast Bancshares, Inc.

$41.5
0.1
 (0.24%)
Exchange:  NYSE
Market Cap:  691.181M
Shares Outstanding:  13.339M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  Bart O. Caraway
Full Time Employees:  477
Address: 
20202 Highway 59 North
Humble
TX
77338
US
Website:  https://www.thirdcoast.bank
Third Coast Bancshares, Inc. serves as the parent company for Third Coast Bank, SSB, a financial institution primarily focused on delivering a broad spectrum of commercial banking solutions to small and medium-sized businesses, as well as individual professionals. The bank’s offerings include a comprehensive range of deposit accounts, such as checking, savings, individual retirement accounts (IRAs), money market accounts, and certificates of deposit (CDs). For its lending services, it provides commercial and industrial (C&I) loans, which encompass financing for equipment, working capital, vehicle fleets, and various other commercial needs. Beyond these core services, Third Coast also offers treasury management, both consumer and commercial online banking platforms, mobile applications, secure safe deposit boxes, wire transfer capabilities, and debit cards. Geographically, the bank operates a total of twelve branches: eleven are strategically located across the major Texas metropolitan areas of Greater Houston, Dallas-Fort Worth, and Austin-San Antonio, with an additional branch situated in Detroit, Texas. The company was founded in 2008 and has its principal office in Humble, Texas.

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Revenue Segmentation

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
TCTCBX logoTCBXThird Coast Bancshares, Inc.691.2M8.810.54.4%
PFPFIS logoPFISPeoples Financial Services Corp.683.7M11.810.819.0%
BCBCAL logoBCALCalifornia BanCorp699.6M11.412.5-2.1%
ARAROW logoAROWArrow Financial Corporation682.6M11.710.53.3%
SUSUPV logoSUPVGrupo Supervielle S.A.682.3M—10.6-0.6%
WAWASH logoWASHWashington Trust Bancorp, Inc.706.9M12.711.54.7%

EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/23 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue274,076338,073366,946
Gross Profit140,737164,774202,790
EBITDA45,55865,97189,737
Operating Income41,61261,35184,990
Net Income33,40147,67166,291

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,396,0744,942,4465,340,759
Total Liabilities3,984,1004,481,7274,809,732
Total Stockholders Equity411,974460,719531,027
Total Debt141,708132,534136,970
Cash and Cash Equivalents296,926371,157175,202

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow39,07535,13650,837
Capital Expenditure-3,437-1,766-2,681
Free Cash Flow35,63833,37048,156
Net Income33,40147,67166,291
Net Change in Cash79,8319,357-239,973

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)416,557Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)447,100Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)430,819Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)105,783.128Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)113,204.505Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)109,493.817Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)77,815.634Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)83,715.645Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)80,765.640Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)125,373.712Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)134,566.426Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)129,666.234Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)4.920Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)5.110Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)4.750Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
338.977M  ?P/S
 (TTM)
: 
1.69
?Net Income
 (TTM)
: 
47.671M  ?P/E
 (TTM)
: 
8.78
?Enterprise Value
 (TTM)
: 
320.216M  ?EV/FCF
 (TTM)
: 
20.29
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
6.39%
?ROE
 (TTM)
: 
12.56%  ?ROIC
 (TTM)
: 
4.39%
?Net Debt
 (TTM)
: 
-238.623M  ?Debt/Equity
 (TTM)
: 
0.21
?P/B
 (TTM)
: 
0.85  ?Current Ratio
 (TTM)
: 
0.18

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
10.45Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates TCBX intrinsic value between $34.63 – $56.67 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate TCBX Intrinsic Value

Common questions about TCBX valuation

Is Third Coast Bancshares, Inc. (TCBX) overvalued or undervalued right now?

MarketSnap estimates intrinsic value for Third Coast Bancshares, Inc. (TCBX) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is TCBX a buy, hold, or sell for long-term investors?

MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TCBX trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is TCBX’s P/E ratio?

You can see TCBX’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for TCBX?

MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is TCBX a good long-term investment?

Whether TCBX fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

Research tools for Third Coast Bancshares, Inc.

  • Third Coast Bancshares, Inc. intrinsic value calculatorEstimate what the business is worth
  • Third Coast Bancshares, Inc. 5-year outlookWhat has to go right, and what could go wrong
TCBX

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.24
MarketSnap

Trading Metrics:

Open: 41.7   Previous Close: 41.4
Day Low: 41.45   Day High: 42.4
Year Low: 35.73   Year High: 46.36
Price Avg 50: 44.07   Price Avg 200: 40.75
Volume: 101966   Average Volume: 117343

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See in Nexus

Relevant news

Third Coast Bancshares, Inc. and Great Plains Bancshares, Inc. Announce Definitive Merger Agreement
07-10-2026 06:30
Third Coast Bancshares, Inc. and Great Plains Bancshares, Inc. Announce Definitive Merger Agreement
Third Coast Bancshares, Inc. Announces 2026 Third Quarter Earnings Release and Conference Call Schedule
30-09-2026 16:15
Third Coast Bancshares, Inc. Announces 2026 Third Quarter Earnings Release and Conference Call Schedule
Third Coast Bancshares, Inc. (NASDAQ:TCBX) Given Consensus Recommendation of “Moderate Buy” by Analysts
21-09-2026 04:16
Third Coast Bancshares, Inc. (NASDAQ:TCBX) Given Consensus Recommendation of “Moderate Buy” by Analysts
Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock
18-06-2026 16:15
Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock
Third Coast Bank Expands Corporate Banking Leadership
14-09-2026 16:15
Third Coast Bank Expands Corporate Banking Leadership
Third Coast Bancshares Still Looks Like A Buy
04-08-2026 21:45
Third Coast Bancshares Still Looks Like A Buy

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