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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 $40.17, about 15.0% overvalued vs fair value, +6.7% 1Y return, ranked 302/1078 in sector.
Metrics P/E 10.8× Rev Growth 21.9% ROE 13.4% Gross Margin 97.6% Div Yield 0.90%
USD 40.17
0.12%
(Delayed)
• Vol 90d: 24.4%
52-Week Range
Market Cap
$669.40M
Enterprise Value
$406.47M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 100%
Confidence: 95%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Earnings Jan 20 Estimated

Fair Value Snapshot

Bear Base Bull
$19
$34
$64
Current: $40.17 -15% 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
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.60), exceeding regulatory minimums.
  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.80).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
62
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (38.2%), Profitability (36.0%), and Safety (25.8%). Growth 38% Safety 26% Profitability 36%

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% 80p Asset Growth YoY 8.1% 69p Equity Growth YoY 15.3% 75p EPS Growth YoY 40.6% 73p
Strengths
  • NII Growth YoY in top 20% of peers (21.4%, 80th percentile)
  • Net Interest Margin in top 20% of peers (3.7%, 82th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Dividends/Tangible Equity in top 20% of peers (1.0%, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

70th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
51
Key Signals
Strengths
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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
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Bear
-
- - -
- upside
-
Base
$34.15
- - -
-15.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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