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TCBX stock logo

TCBX

Third Coast Bancshares, Inc.

$38.55
-0.04
 (-0.1%)
[ms_data_label text=’Delayed data’]
Exchange:  NYSE
Market Cap:  533.587M
Shares Outstanding:  13.339M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Bart O. Caraway
Full Time Employees:  376
Address: 
20202 Highway 59 North
Humble
TX
77338
US
Website:  https://www.tcbssb.com
Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank, SSB that provides various commercial banking solutions to small and medium-sized businesses, and professionals. The company’s deposit products include checking, savings, individual retirement, and money market accounts, as well as certificates of deposit. It also offers commercial and industrial loans, such as equipment loans, working capital, auto finance, and commercial finance. In addition, the company provides treasury management consumer and commercial online banking services, mobile applications, safe deposit boxes, and wire transfer services, as well as debit cards. It operates through eleven branches in Greater Houston, Dallas-Fort Worth, and Austin-San Antonio; and one branch in Detroit, Texas. The company was founded in 2008 and is headquartered in Humble, Texas.

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Revenue Segmentation

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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
EBITDA45,55865,97190,043
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 Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)266,971.741Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)278,062.258Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)272,517Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)48,325.933Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)50,333.484Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)49,329.709Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)67,072.489Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)74,805.458Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)70,938.974Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)80,352.120Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)83,690.101Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)82,021.111Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.340Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.570Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.100Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
338.977M  ?P/S
 (TTM)
: 
1.59
?Net Income
 (TTM)
: 
47.671M  ?P/E
 (TTM)
: 
8.77
?Enterprise Value
 (TTM)
: 
544.769M  ?EV/FCF
 (TTM)
: 
11.34
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0.07
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
-0.02
?Net Debt
 (TTM)
: 
-238623000  ?Debt/Equity
 (TTM)
: 
0.26
?P/B
 (TTM)
: 
1.09  ?Current Ratio
 (TTM)
: 
0.13

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.91Full AccessFull AccessFull AccessFull 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 $28.57 – $45.67 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.

TCBX

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

[ms_data_label text="Daily snapshot"]

-0.1
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 25.17   Year High: 43.84
Price Avg 50: 39.83   Price Avg 200: 38.27
Volume: 35468   Average Volume: 80032

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See in Nexus

Relevant news

Stonegate Updates Coverage on Third Coast Bancshares, Inc. (TCBX) 1Q26
24-04-2026 16:13
Stonegate Updates Coverage on Third Coast Bancshares, Inc. (TCBX) 1Q26
Financial Analysis: Third Coast Bancshares (NASDAQ:TCBX) versus Seacoast Banking Corporation of Florida (NASDAQ:SBCF)
21-04-2026 03:20
Financial Analysis: Third Coast Bancshares (NASDAQ:TCBX) versus Seacoast Banking Corporation of Florida (NASDAQ:SBCF)
Third Coast Bancshares, Inc. Announces 2026 First Quarter Earnings Release and Conference Call Schedule
08-04-2026 16:15
Third Coast Bancshares, Inc. Announces 2026 First Quarter Earnings Release and Conference Call Schedule
Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock
18-12-2025 16:15
Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock
Third Coast Bancshares (TCBX) Upgraded to Strong Buy: Here's Why
11-02-2026 13:01
Third Coast Bancshares (TCBX) Upgraded to Strong Buy: Here's Why
Third Coast Bancshares, Inc. Completes Merger with Keystone Bancshares, Inc.
02-02-2026 16:15
Third Coast Bancshares, Inc. Completes Merger with Keystone Bancshares, Inc.

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