Third Coast Bancshares, Inc. (TCBX)

NYQ – Real Time Price. Currency in USD

45.47

+0.56 (1.25%)

Market open: Aug 12, 2026, 12:20 PM EDT

44.91

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 44.28$
Day's range: 43.76 - 44.67$
52-week range: 35.73 - 44.98$
Volume: 93 168
Average volume: 125 721
Beta: 0.33
EPS (TTM): 4.7
PE ratio (TTM): 11.79
Forward P/E: 11.16
Market cap: 737 482 101
Shares outstanding: 16 654 971
Dividend yield: N/A
Next earnings date: 2026-10-28
Sector: Financials
Industry: Banks - Regional

About the company

Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in Texas, the United States. The company’s deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of commercial and residential real... read more

CEO: Bart Caraway
Country: United States
IPO Date: 2021-11-09
Employees: 463
Fiscal Year End: January - December
Website: https://www.thirdcoast.bank

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: TCBX

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Overall Score

4.9 / 1049%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $159.5M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $44.1M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.09	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.24	0.05	8.0
Debt to Assets	0.02	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	161M	275M	339M	368M	408M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	23M	42M	61M	83M	91M
Net Income	19M	33M	48M	66M	74M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	40.45	0.44	10
Net margin %	32.34	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	39.54	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.26	1.46	3.0
ROE	12.80	14.94	7.0
ROIC	10.20	0.00	7.0
ROCE	N/A	0.00	1.0
Weighted average score			4.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	22.64	-3.8	5.5
Next quarter	19.01	-1.38	5.0
Current year	23.53	4.64	7.0
Next year	9.07	9.18	6.0
Weighted average score			5.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	12.12	34.33	22.73	183.4	9.3
Y/Y	24.32	31.29	12.5	223.46	9.3
3y average	34.23	53.6	45.04	103.04	10
5y average	35.89	43.68	31.11	141.01	10
Weighted average score					9.7

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.02	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.49	3.37	4.4
P/B	1.10	1.53	7.0
Weighted average score			4.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR18.4%

FCF 5 year CAGR4

Fair value26.56$

Stock price44.28$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$26.56

UndervaluedStock priceOvervalued

$44.28

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Bart Caraway

Country

United States

IPO Date

2021-11-09

Employees

463

Fiscal Year End

January - December

Website

https://www.thirdcoast.bank

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.09

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.24

0.05

8.0

Debt to Assets

0.02

0.09

9.0

Interest coverage

N/A

Weighted average score

5.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

161M

275M

339M

368M

408M

Gross Profit

N/A

Operating Income

23M

42M

61M

83M

91M

Net Income

19M

33M

48M

66M

74M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

40.45

0.44

Net margin %

32.34

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

39.54

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.26

1.46

3.0

ROE

12.80

14.94

7.0

ROIC

10.20

0.00

7.0

ROCE

N/A

0.00

1.0

Weighted average score

4.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

22.64

-3.8

5.5

Next quarter

19.01

-1.38

5.0

Current year

23.53

4.64

7.0

Next year

9.07

9.18

6.0

Weighted average score

5.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

12.12

34.33

22.73

183.4

9.3

Y/Y

24.32

31.29

12.5

223.46

9.3

3y average

34.23

53.6

45.04

103.04

5y average

35.89

43.68

31.11

141.01

Weighted average score

9.7

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.02

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.49

3.37

4.4

P/B

1.10

1.53

7.0

Weighted average score

4.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Third Coast Bancshares, Inc. (TCBX)

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Third Coast Bancshares, Inc. (TCBX)

Stock details

About the company

Revenue Breakdown

News

Chart: TCBX

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$26.56

$44.28

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: TCBX

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$26.56

$44.28

Economic Moat