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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 Small Cap
Third Coast Bancshares, Inc. (TCBX), is a Small Cap company, in the Banks - Regional industry, last closed at $38.05, about 20.4% overvalued vs fair value, +27.7% 1Y return, ranked 748/1037 in sector.
Metrics Rev Growth 115.3% ROE 13.4% Gross Margin 55.3%
$38.05
0.96%
As of April 28, 2026
Previous close • Vol 90d: 30.0%
52-Week Range
Market Cap
$633.19M
Enterprise Value
$476.12M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 51%
Updated: Mar 8
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: $38.05 -20% 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

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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
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
53
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing TCBX's balance between Growth (49.8%), Profitability (33.7%), and Safety (16.5%). Growth 50% Safety 16% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

80th percentile vs peers
80
Key Signals
NII Growth YoY 15.2% 87p Asset Growth YoY 8.1% 71p EPS Growth YoY 47.5% 86p Equity Growth YoY 11.8% 76p
Strengths
  • Growth performance in top 20% of peers (percentile: 80)
  • NII Growth YoY in top 20% of peers (15.2%, 87th percentile)
  • EPS Growth YoY in top 20% of peers (47.5%, 86th percentile)
  • ROE in top 20% of peers (13.4%, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

26th percentile vs peers
27
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
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Bear
-
- - -
- upside
-
Base
$30.30
- - -
-20.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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