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TCBX Overview

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ET
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Intellectia

Loading chart...

High
39.685
Open
39.240
VWAP
39.31
Vol
76.75K
Mkt Cap
648.88M
Low
38.890
Amount
3.02M
EV/EBITDA(TTM)
6.56
Total Shares
16.49M
EV
581.43M
EV/OCF(TTM)
11.44
P/S(TTM)
3.25
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)
2026-01-21
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
2025-10-22
16:18:08
Third Coast Bancshares Announces Q3 Earnings Per Share of $1.03, Exceeding Consensus Estimate of 84 Cents
select
2025-09-22 (ET)
2025-09-22
16:16:35
Third Coast Bancshares to Move Common Stock Listing from Nasdaq to NYSE
select

News

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.
Newsfilter
8.0
03-19Newsfilter
Third Coast Bancshares Declares Quarterly Cash Dividend
  • Quarterly Cash Dividend: Third Coast Bancshares' Board of Directors has declared a quarterly cash dividend of $16.875 per share on its 6.75% Series A Convertible Non-Cumulative Preferred Stock, which is set to be paid on April 15, 2026, aimed at enhancing shareholder returns and attracting more investor interest.
  • Record Date for Shareholders: The record date for the dividend is March 31, 2026, ensuring that shareholders who own stock by this date will receive the dividend, thereby reinforcing trust between the company and its investors.
  • Market Coverage: Third Coast Bank operates primarily in Texas's four largest metropolitan areas—Austin, Dallas-Fort Worth, Greater Houston, and San Antonio—through 21 branches, demonstrating its strong presence and influence in the local market.
  • Company Background: Founded in 2008, Third Coast Bank focuses on commercial banking, and with the announcement of this dividend, it is expected to further enhance its market position and attractiveness in the highly competitive banking industry.
Yahoo Finance
6.5
02-23Yahoo Finance
Optimism in the Financial Sector Despite Underperformance
  • Regional Banks Undervalued: Dory Wiley, CEO of Commerce Street Holdings, asserts that despite the overall poor performance of the financial sector, regional banks maintain strong fundamentals with high capital ratios and good deposits, indicating their potential value.
  • Sustained Profitability Growth: Wiley notes that banks are currently valued at a forward P/E of only 10 times earnings, and with good growth rates, these stocks could realistically reach a valuation range of 15 to 18 times, reflecting market confidence in their future performance.
  • Superior Credit Quality: He emphasizes that the credit underwriting quality in the banking sector is at its historical best, and while some individual banks may face weaknesses, the overall health of the industry provides reassurance to investors.
  • Abundant Market Opportunities: Despite concerns over AI disruption, Wiley remains optimistic about investment opportunities in bank stocks, believing there is significant growth potential across small, mid, and large-cap banks that investors should consider.
Yahoo Finance
9.5
01-22Yahoo Finance
Third Coast Bancshares (TCBX) Reports 39% YoY Net Income Growth to $66.3 Million in Q4
  • Significant Loan Growth: Third Coast Bancshares reported a $230 million increase in gross loans for Q4, reaching $4.39 billion, which marks a 10.8% year-over-year growth, indicating strong demand and an expanding market share in the lending sector.
  • Asset Expansion: Total assets reached $5.34 billion by year-end, reflecting a 5.5% increase from Q3 and an 8.1% rise year-over-year, showcasing the company's success in asset management and customer base expansion.
  • Record Net Income: The company achieved a net income of $66.3 million in Q4, totaling $263 million for the year, representing a 39% increase year-over-year, highlighting significant improvements in profitability and the effectiveness of its business model.
  • Surge in Service Fees: Service charges and fees increased by 24% over Q3 and 55% year-over-year, demonstrating the success of the relationship banking model, which enhances customer loyalty and diversifies revenue streams.
seekingalpha
9.5
01-22seekingalpha
Third Coast Bancshares (TCBX) Reports $17.9M Q4 Net Income, 5.5% Loan Growth
  • Significant Asset Growth: Third Coast Bancshares reported total assets of $5.34 billion in Q4 2025, reflecting a 5.5% increase from the previous quarter and an 8.1% rise year-over-year, indicating strong market demand and robust business expansion capabilities.
  • Loan and Deposit Increases: The bank added $230 million in loans during Q4, reaching a total of $4.39 billion, while deposits rose to $4.6 billion, marking increases of 5.5% and 5.8% respectively from the prior quarter, reflecting enhanced customer trust and market share growth.
  • Improved Profitability: Net income for Q4 reached $17.9 million, leading to a record annual net income of $66.3 million, a 39% year-over-year increase, with earnings per share at $1.02, exceeding market expectations and demonstrating sustained profitability enhancement.
  • Future Growth Outlook: Management projects quarterly loan growth targets of $75 million to $100 million for 2026, and with the upcoming completion of the Keystone Bancshares merger, the company expects to further strengthen its market competitiveness and operational scale.
seekingalpha
9.5
01-21seekingalpha
Third Coast Bancshares (TCBX) Q4 EPS of $1.02 Beats Estimates by $0.13
  • Strong Earnings Performance: Third Coast Bancshares reported a Q4 GAAP EPS of $1.02, exceeding market expectations by $0.13, which demonstrates the company's ongoing profitability and reinforces investor confidence in its future growth.
  • Significant Revenue Growth: The company achieved Q4 revenue of $56.5 million, a 22% year-over-year increase, surpassing expectations by $3.43 million, reflecting its robust market performance and expanding customer base, indicating sustained growth potential ahead.
  • Positive Market Evaluation: Analysts' quant ratings on Third Coast Bancshares indicate its undervalued status, suggesting a bullish outlook that may attract more investor interest in the stock.
  • Historical Data Support: The consistent growth in the company's historical earnings data provides strong backing for its future performance, further enhancing market recognition of its long-term investment value.
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
Raymond James
Market Perform
to
Outperform
upgrade
$45
AI Analysis
2026-04-07
New
Reason
Raymond James
Price Target
$45
AI Analysis
2026-04-07
New
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.
Keefe Bruyette
Market Perform
maintain
$43 -> $45
2026-01-26
Reason
Keefe Bruyette
Price Target
$43 -> $45
2026-01-26
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on Third Coast Bancshares to $45 from $43 and keeps a Market Perform rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for TCBX
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Valuation Metrics

The current forward P/E ratio for Third Coast Bancshares Inc (TCBX.O) is 9.63, compared to its 5-year average forward P/E of 11.44. 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
11.44
Current PE
9.63
Overvalued PE
15.88
Undervalued PE
7.01

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
0.46
Current EV/EBITDA
4.93
Overvalued EV/EBITDA
2.31
Undervalued EV/EBITDA
-1.39

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
2.25
Overvalued PS
2.52
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 39.36 USD — it has increased 1.57

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 56.25M USD, increased 22.11

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 0.95 USD, increased 31.94

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

Third Coast Bancshares Inc (TCBX) has 412 emplpoyees as of April 08 2026.

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

Today TCBX has the market capitalization of 648.88M USD.