Third Coast Bancshares, Inc. TCBX R2K

Financial Services · Banks - Regional · United States

https://www.thirdcoast.bank

Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in Texas, the United States. The company's deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of commercial and residential real estate loans; construction, development and other loans; commercial and industrial loans; and farmland, consumer, and agricultural loans, as well as lease financing and bond anticipation notes, as well as financial products and services. The company also provides retail and commercial online banking platforms, mobile banking apps, treasury management solutions, merchant card services, and customer digital solutions, as well as debit and credit cards. In addition, it offers state and municipal and mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds. The company was founded in 2008 and is headquartered in Humble, Texas.

Market & Price

Market Cap

$634.81M

Current Price

$38.26

High / Low (52W)

$43.46 / $29.69

Beta

0.67

Valuation

Stock P/E

9.84

Industry PE

12.01

Forward P/E

9.10

PEG Ratio

Book Value

$39.09

Price to Book

0.98

P/S

2.98

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

12.22%

ROA

1.20%

Profit Margin

32.44%

Op Margin

34.21%

EPS (Latest Qtr)

$0.88

EPS (TTM)

$3.89

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$161.08M

Total Assets

$5.34B

Current Assets

Working Capital

Ownership

Promoter Holding

8.24%

Chg in Prom Hold

FII / Inst Holding

57.08%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$362.04M

Total Revenue (TTM)

$212.93M

EBITDA

Free Cash Flow

Operating Cash Flow

$1.66M

Shares Outstanding

16.59M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

19.19%

Profit 5Y

52.59%

Revenue (YoY)

25.60%

Earnings (YoY)

13.20%

PROS

Excellent profit margin of 32.4%.
Compounding revenue at 19.2% over 5 years.
Profit CAGR of 52.6% over 5 years.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TCBX Third Coast Bancshares, Inc. R2K	38.26	9.84	$634.81M	-	-	12.22%	19.19%	52.59%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45.63M	51.59M	54.45M	56.06M	57.14M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	37.97M	39.29M	41.65M	39.90M	43.74M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.35M	21.05M	22.83M	21.52M	19.00M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.76M	4.30M	4.77M	3.62M	2.63M
Net Income	2.95M	2.50M	4.13M	2.54M	5.10M	3.59M	2.38M	354.00K	2.09M	2.28M	6.77M	7.53M	9.24M	8.89M	5.58M	9.69M	10.37M	10.80M	12.78M	13.59M	16.75M	18.06M	17.90M	16.37M
Diluted EPS	-	-	0.65	-	0.80	0.55	0.28	-	0.15	0.16	0.49	-	0.55	0.53	0.32	-	0.61	0.63	0.74	0.78	0.96	1.03	1.02	0.88

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	122.69M	147.06M	170.47M	207.74M
Cost of Revenue	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-
Interest Expense	-	-	-	37.49M	127.02M	167.60M	158.81M
Pretax Income	-	-	-	23.17M	41.61M	61.35M	82.75M
Tax Provision	-	-	-	4.51M	8.21M	13.68M	16.45M
Net Income	2.38M	12.12M	-	18.66M	33.40M	47.67M	66.29M
Diluted EPS	0.60	1.91	-	1.25	1.98	2.78	3.79

Compounded Sales Growth

5 Years:	19.19%
1 Year:	25.60%

Compounded Profit Growth

5 Years:	52.59%
1 Year:	13.20%

Stock Price Performance

1 Year:	+24.79%
6 Months:	-0.57%
3 Months:	-3.41%
1 Month:	+2.68%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.87B	-	3.77B	4.40B	4.94B	5.34B
Current Assets	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	201.27M	-	329.86M	296.93M	371.51M	175.47M
Inventory	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	18.34M	23.12M	25.82M	29.24M
Total Liabilities	-	-	1.75B	-	3.39B	3.98B	4.48B	4.81B
Current Liabilities	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	80.35M	80.55M	80.76M	80.97M
Total Debt	-	-	-	-	129.43M	141.71M	132.53M	136.97M
Total Equity	54.13M	56.52M	120.42M	-	381.78M	411.97M	460.72M	531.03M
Shares Outstanding	-	-	-	-	13.61M	13.68M	13.85M	13.97M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	3.59M	-3.65M	-	21.79M	39.08M	35.14M	50.84M
Investing Cash Flow	-121.70M	-500.01M	-	-1.24B	-529.53M	-520.93M	-610.20M
Financing Cash Flow	79.28M	611.16M	-	1.22B	570.29M	495.15M	319.39M
Capital Expenditure	-2.98M	-1.35M	-	-12.19M	-3.44M	-1.77M	-2.68M
Free Cash Flow	611.00K	-5.01M	-	9.60M	35.64M	33.37M	48.16M
Net Change in Cash	-	-	-	4.99M	79.83M	9.36M	-239.97M

Ratios (Annual)

Figures in %.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-
Net Margin %	-	-	-	15.2%	22.7%	28.0%	31.9%
ROE %	4.2%	10.1%	-	4.9%	8.1%	10.3%	12.5%
ROCE %	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

8.24%

Institutions

57.08%

Public Float

62.21%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	5.68%	942.15K	$36.05M
2	Vanguard Capital Management LLC	3.59%	595.29K	$22.78M
3	Adage Capital Partners GP L.L.C.	2.98%	494.91K	$18.94M
4	Dimensional Fund Advisors LP	2.85%	472.81K	$18.09M
5	Kennedy Capital Management, LLC	2.81%	466.46K	$17.85M
6	American Century Companies Inc	2.16%	358.09K	$13.70M
7	State Street Corporation	2.14%	355.09K	$13.59M
8	Geode Capital Management, LLC	1.84%	305.75K	$11.70M
9	Alliancebernstein L.P.	1.53%	254.48K	$9.74M
10	Ategra Capital Management, LLC	1.24%	204.92K	$7.84M

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