Skip to content
Company Analysis

Third Coast Bancshares, Inc. TCBX

A comprehensive view of key metrics, scores, and financial health for Third Coast Bancshares, Inc.

Overview of Third Coast Bancshares, Inc.

TCBX NYQ
Financial Services Banks - Regional Small Cap
Third Coast Bancshares, Inc. (TCBX), is a Small Cap company, in the Banks - Regional industry, last closed at $37.34, about 18.9% overvalued vs fair value, +13.6% 1Y return, ranked 744/1004 in sector.
$37.34
-0.90%
As of March 13, 2026
Previous close • Vol 90d: 29.5%
52-Week Range
Market Cap
$636.19M
Enterprise Value
$479.11M
Overall Score
Scores locked

Create a free account to see overall and pillar scores for Third Coast Bancshares, Inc..

Top Beats

Quick Facts

Website https://www.thirdcoast.bank
HQ Humble, TX
Employees 412
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$30
$57
Current: $37.34 -19% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$328.4M
23.2%%
Interest Expense
$158.8M
Net Interest Income
$160.8M
15.2%%
Total Revenue
$366.9M
115.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.3%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.7M
11.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Third Coast Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
54
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing TCBX's balance between Growth (40.9%), Profitability (28.0%), and Safety (31.1%). Growth 41% Safety 31% Profitability 28%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

85th percentile vs peers
85
Key Signals
Rev Growth YoY 1.15 88p Revenue CAGR 3Y 44.1% 93p Asset Growth YoY 8.1% 72p
Strengths
  • Growth performance in top 20% of peers (percentile: 85)
  • Rev Growth Yoy in top 20% of peers (1.15, 88th percentile)
  • Revenue Cagr 3Y in top 20% of peers (44.1%, 93th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
58
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

64th percentile vs peers
65
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Third Coast Bancshares, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$30.30
- - -
-18.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info