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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 Framework: Banks & Lenders Small Cap
Third Coast Bancshares, Inc. (TCBX), is a Small Cap company, in the Banks - Regional industry, last closed at $40.07, about 9.5% overvalued vs fair value, +4.4% 1Y return, ranked 787/1078 in sector.
Metrics P/E 10.8× Rev Growth 21.9% ROE 13.4% Gross Margin 97.6% Div Yield 0.90%
USD 40.07
0.07%
(Delayed)
• Vol 90d: 27.1%
52-Week Range
Market Cap
$659.53M
Enterprise Value
$391.66M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Jul 22 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$36
$68
Current: $40.07 -10% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$354.0M
7.8%%
Interest Expense
$158.8M
Net Interest Income
$195.2M
21.4%%
Total Revenue
$207.7M
21.9%%
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
11.6%
Good

Net Income / Equity - key bank profitability metric

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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
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
63
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing TCBX's balance between Growth (39.7%), Profitability (33.6%), and Safety (26.6%). Growth 40% Safety 27% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

75th percentile vs peers
75
Key Signals
NII Growth YoY 21.4% 81p Asset Growth YoY 8.1% 69p Equity Growth YoY 15.3% 76p EPS Growth YoY 40.6% 74p
Strengths
  • NII Growth YoY in top 20% of peers (21.4%, 81th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Dividends/Tangible Equity in top 20% of peers (1.0%, 87th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

63th percentile vs peers
64
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$36.28
- - -
-9.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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