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TCBX Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
38.700
Open
38.440
VWAP
38.21
Vol
2.10K
Mkt Cap
638.46M
Low
37.870
Amount
80.43K
EV/EBITDA(TTM)
3.86
Total Shares
16.59M
EV
351.15M
EV/OCF(TTM)
211.28
P/S(TTM)
3.10
Third Coast Bancshares, Inc. is a commercially focused bank holding company operating primarily in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets through its wholly owned subsidiary, Third Coast Bank. It is engaged in traditional community banking activities, which include commercial and retail lending, deposit gathering, and investment and liquidity management activities. Its primary deposit products are demand deposits, money market accounts and certificates of deposit. Its primary lending products are commercial business and real estate, residential construction, real estate mortgage and consumer loans. The Company operates approximately 22 banking locations across various cities, including Austin, Ballinger, Beaumont, Conroe, Dallas, Detroit, Fort Worth, Georgetown, Houston, Humble, Kingwood, La Vernia, Lake Jackson, Nixon, Pearland, Plano, Port Arthur, San Antonio, and The Woodlands, Texas. It also operates a loan production office in Bastrop, Texas.
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Events Timeline

(ET)
2026-04-23
06:20:00
Third Coast Q1 Net Interest Margin Falls to 3.67%
select
2026-04-22 (ET)
2026-04-22
16:20:00
Third Coast Q1 Net Interest Margin Falls to 3.67%
select
2026-01-21 (ET)
2026-01-21
16:20:00
Company Reports Stable Q4 Net Interest Margin for 2025
select
2025-10-22 (ET)
2025-10-22
17:03:58
Third Coast Bancshares to purchase Keystone Bancshares for $123 million
select

News

seekingalpha
9.5
04-23seekingalpha
Third Coast Bancshares Reports Significant Q1 Growth Driven by Keystone Acquisition
  • Asset and Deposit Growth: Third Coast Bancshares reported a 23.2% increase in assets, a 19.5% rise in loans, and a 23.5% growth in deposits for Q1 2026, indicating a significant expansion in market share in Central Texas following the acquisition of Keystone Bancshares, which has driven robust overall business growth.
  • Merger Impact: CFO John McWhorter highlighted that the Keystone transaction significantly influenced quarter-over-quarter financial results, contributing approximately 20% to both loans and deposits, while also incurring $3.3 million in merger-related noninterest expenses, reflecting the cost pressures during the integration process.
  • Profitability Outlook: Management anticipates that the net interest margin will normalize to about 3.75%, down from 3.90% in the previous quarter, reflecting integration challenges and credit actions, although loan growth targets have been raised to a range of $75 million to $125 million per quarter.
  • Expense Control and Integration: McWhorter indicated that most cost savings from the merger are expected to materialize in the third and fourth quarters, emphasizing that effective expense management during the integration process will positively impact future profitability and ensure the bank's competitiveness in the market.
NASDAQ.COM
2.0
04-23NASDAQ.COM
Third Coast (TCBX) Q1 2026 Earnings Transcript
seekingalpha
9.5
04-22seekingalpha
Third Coast Bancshares Q1 Earnings Beat Expectations
  • Earnings Beat: Third Coast Bancshares reported a Q1 GAAP EPS of $0.88, exceeding expectations by $0.12, indicating stable profitability and increased market confidence.
  • Revenue Miss: Despite a 25.5% year-over-year revenue growth to $57.6 million, the figure fell short of expectations by $0.4 million, reflecting challenges in the post-merger integration process that may impact future revenue growth potential.
  • Significant Loan Growth: As of March 31, 2026, total loans reached $5.25 billion, up from $4.39 billion reported on December 31, 2025, demonstrating the company's success in market expansion and customer acquisition.
  • Deteriorating Efficiency Ratio: The efficiency ratio for Q1 stood at 66.06%, up from 57.90% in Q4 2025 and 61.23% in Q1 2025, indicating pressure on cost control that could affect future profitability.
seekingalpha
9.5
04-21seekingalpha
Third Coast Bancshares to Announce Q1 Earnings on April 22
  • Earnings Announcement Date: Third Coast Bancshares (TCBX) is set to release its Q1 2023 earnings on April 22 after market close, with a consensus EPS estimate of $0.92, reflecting a 17.9% year-over-year increase, indicating sustained profitability improvements.
  • Revenue Growth Expectations: The anticipated revenue for Q1 is $58 million, representing a 26.4% year-over-year growth, showcasing the company's strong performance and business expansion capabilities, which further solidify its market position in Texas.
  • Earnings Forecast Revisions: Over the past three months, EPS estimates have seen three upward revisions with no downward adjustments, indicating analysts' growing confidence in the company's future profitability and reflecting positive operational efficiency and market demand.
  • Loan Growth Target: Third Coast Bancshares has set a quarterly loan growth target of $75 million to $100 million, which, as the Keystone merger integration progresses, will help enhance the company's market share and profitability.
Newsfilter
9.5
04-08Newsfilter
Third Coast Bancshares to Report Q1 2026 Financial Results
  • Earnings Release Schedule: Third Coast Bancshares plans to announce its Q1 2026 financial results on April 22, 2026, after market close, reflecting the company's commitment to transparency and timely information dissemination.
  • Conference Call Timing: Management has scheduled a conference call for April 23, 2026, at 11:00 a.m. Eastern Time (10:00 a.m. Central Time) to discuss the financial results in depth, aiming to strengthen investor relations.
  • Participation Methods: Investors can join the call by dialing 201-389-0869 or listen via a live webcast, providing multiple channels to accommodate diverse investor preferences.
  • Replay Availability: For those unable to attend the live call, a replay will be accessible until April 30, 2026, ensuring all stakeholders can obtain critical information and further enhancing the company's transparency.
seekingalpha
8.0
03-20seekingalpha
Third Coast Bancshares Declares Quarterly Dividend
  • Quarterly Dividend Announcement: Third Coast Bancshares (TCBX) declares a quarterly dividend of $16.875 per share, reflecting the company's strong cash flow and profitability, which is likely to attract more investor interest.
  • High Yield: The forward yield of 185.08% associated with this dividend not only provides substantial returns for existing shareholders but may also draw in yield-seeking investors, potentially boosting the company's stock price.
  • Shareholder Assurance: The dividend will be payable on April 15, with a record date of March 31 and an ex-dividend date also on March 31, ensuring shareholders receive their dividends promptly and enhancing investor confidence.
  • Loan Growth Target: As Third Coast Bancshares integrates its Keystone merger, it has set a quarterly loan growth target of $75 million to $100 million, demonstrating its expansion potential and strategic planning in the Texas market.
Wall Street analysts forecast TCBX stock price to rise
3 Analyst Rating
Wall Street analysts forecast TCBX stock price to rise
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
43.00
Averages
44.50
High
46.00
Current: 0.000
sliders
Low
43.00
Averages
44.50
High
46.00
Stephens
Overweight
maintain
$46 -> $45
AI Analysis
2026-04-24
Reason
Stephens
Price Target
$46 -> $45
AI Analysis
2026-04-24
maintain
Overweight
Reason
Stephens lowered the firm's price target on Third Coast Bancshares to $45 from $46 and keeps an Overweight rating on the shares. Q1 results were "noisy" due to the impact of Keystone acquisition, though the firm expects trends to rebound in Q2 as the disclosures point to robust loan growth through early April, the analyst tells investors.
Raymond James
Market Perform
to
Outperform
upgrade
$45
2026-04-07
Reason
Raymond James
Price Target
$45
2026-04-07
upgrade
Market Perform
to
Outperform
Reason
Raymond James upgraded Third Coast Bancshares to Outperform from Market Perform with a $45 price target ahead of the Q1 report. The firm cites the "positive benefits" from the recently-completed acquisition of Keystone Bancshares for the upgrade. Raymond James sees an improved valuation at current share levels given its expectations for positive operating leverage moving forward bolstered by Third Coast's high single-digit loan growth outlook.
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Valuation Metrics

The current forward P/E ratio for Third Coast Bancshares Inc (TCBX.O) is 9.48, compared to its 5-year average forward P/E of 11.41. For a more detailed relative valuation and DCF analysis to assess Third Coast Bancshares Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
11.41
Current PE
9.48
Overvalued PE
15.81
Undervalued PE
7.02

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.54
Current EV/EBITDA
3.80
Overvalued EV/EBITDA
2.45
Undervalued EV/EBITDA
-1.38

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.06
Current PS
2.33
Overvalued PS
2.53
Undervalued PS
1.60

Financials

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Frequently Asked Questions

What is Third Coast Bancshares Inc (TCBX) stock price today?

The current price of TCBX is 38.06 USD — it has decreased -1.09

What is Third Coast Bancshares Inc (TCBX)'s business?

Third Coast Bancshares, Inc. is a commercially focused bank holding company operating primarily in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets through its wholly owned subsidiary, Third Coast Bank. It is engaged in traditional community banking activities, which include commercial and retail lending, deposit gathering, and investment and liquidity management activities. Its primary deposit products are demand deposits, money market accounts and certificates of deposit. Its primary lending products are commercial business and real estate, residential construction, real estate mortgage and consumer loans. The Company operates approximately 22 banking locations across various cities, including Austin, Ballinger, Beaumont, Conroe, Dallas, Detroit, Fort Worth, Georgetown, Houston, Humble, Kingwood, La Vernia, Lake Jackson, Nixon, Pearland, Plano, Port Arthur, San Antonio, and The Woodlands, Texas. It also operates a loan production office in Bastrop, Texas.

What is the price predicton of TCBX Stock?

Wall Street analysts forecast TCBX stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TCBX is44.50 USD with a low forecast of 43.00 USD and a high forecast of 46.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Third Coast Bancshares Inc (TCBX)'s revenue for the last quarter?

Third Coast Bancshares Inc revenue for the last quarter amounts to 57.56M USD, increased 26.36

What is Third Coast Bancshares Inc (TCBX)'s earnings per share (EPS) for the last quarter?

Third Coast Bancshares Inc. EPS for the last quarter amounts to 0.82 USD, increased 15.49

How many employees does Third Coast Bancshares Inc (TCBX). have?

Third Coast Bancshares Inc (TCBX) has 412 emplpoyees as of May 11 2026.

What is Third Coast Bancshares Inc (TCBX) market cap?

Today TCBX has the market capitalization of 638.46M USD.