Third Coast Bancshares Inc (TCBX)
NYSE:TCBX
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TCBX Stock Chart & Stats
$42.12
-$0.14(-0.43%)
At close: 4:00 PM EST
$42.12
-$0.14(-0.43%)
Day’s Range― - ―
52-Week Range$29.66 - $43.84
Previous CloseN/A
Volume17.23K
Average Volume (3M)75.63K
Market Cap
$638.46M
Enterprise Value$275.00M
Total Cash (Recent Filing)$399.38M
Total Debt (Recent Filing)$136.97M
Price to Earnings (P/E)2.0
Beta0.92
Next Earnings
Jul 29, 2026EPS Estimate
0.9Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.45
Shares Outstanding16,592,072
10 Day Avg. Volume85,778
30 Day Avg. Volume75,632
Financial Highlights & Ratios
PEG Ratio0.19
Price to Book (P/B)0.99
Price to Sales (P/S)1.43
P/FCF Ratio10.89
Enterprise Value/Market Cap0.43
Enterprise Value/Revenue0.75
Enterprise Value/Gross Profit1.36
Enterprise Value/Ebitda3.05
Forecast
1Y Price Target
$45.00Price Target Upside6.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.89
Revenue Forecast (FY)$253.71M
Bulls Say, Bears Say
Bulls Say
Sustained Revenue And Profitability ImprovementThird Coast shows multi-year organic and acquisition-driven revenue expansion and marked margin recovery: revenue rose materially and net margin improved to ~18% in 2025, supporting stable earnings power and underwriting capacity. That trend underpins durable cash flow and reinvestment ability over the next several quarters.
Much Stronger Capitalization And Conservative LeverageSignificant capital build and a materially lower debt-to-equity profile give the bank greater loss-absorption and strategic optionality. Strong tangible equity supports continued loan growth, prudent provisioning, and potential funding flexibility, reducing structural solvency and liquidity risks over coming quarters.
Keystone Merger Materially Expands Footprint And CapabilitiesThe acquisition adds scale, deposits and loan pipelines while broadening geographic reach and product teams (senior bankers, ABL, public funds). That structural increase in earning assets and client relationships should support sustained loan origination, fee diversification and revenue resilience beyond short-term integration phases.
Bears Say
Net Interest Margin Compression And VolatilityMargin compression driven by the merger mix and an interest reversal reduces core net interest income per dollar of assets. Given Keystone's lower margin and funding shifts, NIM pressure may persist until funding optimization or securitizations scale, creating durable earnings sensitivity to balance sheet mix over months.
Concentrated Asset-quality Risk From A Large CRE NonaccrualA single large CRE credit materially lifted NPAs and required foreclosure action, highlighting concentration risk in commercial real estate. Even with allowances increased to ~0.98%, a concentrated loss could pressure provisions and capital metrics, producing credit-cost volatility for multiple quarters if similar stresses emerge.
Phased Integration And Timing Risk For Cost SavesRealizing anticipated efficiencies requires successful core conversion, system consolidation and staff integration. Delays or execution issues would prolong elevated expense and efficiency ratio pressure, making near-term profitability and projected savings dependent on flawless operational execution across the coming quarters.
Third Coast Bancshares News
TCBX FAQ
What was Third Coast Bancshares Inc’s price range in the past 12 months?
Third Coast Bancshares Inc lowest stock price was $29.66 and its highest was $43.84 in the past 12 months.
What is Third Coast Bancshares Inc’s market cap?
Third Coast Bancshares Inc’s market cap is $638.46M.
When is Third Coast Bancshares Inc’s upcoming earnings report date?
Third Coast Bancshares Inc’s upcoming earnings report date is Jul 29, 2026 which is in 81 days.
How were Third Coast Bancshares Inc’s earnings last quarter?
Third Coast Bancshares Inc released its earnings results on Apr 22, 2026. The company reported $0.88 earnings per share for the quarter, beating the consensus estimate of $0.865 by $0.015.
Is Third Coast Bancshares Inc overvalued?
According to Wall Street analysts Third Coast Bancshares Inc’s price is currently Undervalued.
Does Third Coast Bancshares Inc pay dividends?
Third Coast Bancshares Inc pays a Quarterly dividend of $16.88 which represents an annual dividend yield of N/A. See more information on Third Coast Bancshares Inc dividends here
What is Third Coast Bancshares Inc’s EPS estimate?
Third Coast Bancshares Inc’s EPS estimate is 0.9.
How many shares outstanding does Third Coast Bancshares Inc have?
Third Coast Bancshares Inc has 16,592,072 shares outstanding.
What happened to Third Coast Bancshares Inc’s price movement after its last earnings report?
Third Coast Bancshares Inc reported an EPS of $0.88 in its last earnings report, beating expectations of $0.865. Following the earnings report the stock price went down -4.688%.
Which hedge fund is a major shareholder of Third Coast Bancshares Inc?
Currently, no hedge funds are holding shares in TCBX
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Third Coast Bancshares Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$45.00 (6.84% Upside)
$45.00 (6.84% Upside)
Blogger Sentiment
Bullish
TCBX Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 1.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $47.5K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 8.6%
Last 30 Days ▲ 8.6%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
44.49%
12-Months-Change
Fundamentals
Return on Equity
21.72%
Trailing 12-Months
Asset Growth
34.41%
Trailing 12-Months
Company Description
Third Coast Bancshares Inc
Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank, SSB that provides various commercial banking solutions to small and medium-sized businesses, and professionals. The company's deposit products include checking, savings, individual retirement, and money market accounts, as well as certificates of deposit. It also offers commercial and industrial loans, such as equipment loans, working capital, auto finance, and commercial finance. In addition, the company provides treasury management consumer and commercial online banking services, mobile applications, safe deposit boxes, and wire transfer services, as well as debit cards. It operates through eleven branches in Greater Houston, Dallas-Fort Worth, and Austin-San Antonio; and one branch in Detroit, Texas. The company was founded in 2008 and is headquartered in Humble, Texas.
TCBX Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed solid strategic and operational progress driven by the Keystone acquisition — substantial balance sheet expansion, robust loan pipelines, EPS and tangible book value supported when excluding one-time merger costs, and active product/team investments to drive future growth. Near-term headwinds include merger-related nonrecurring expenses, temporary margin compression (partly from an interest reversal), a single large CRE nonaccrual and phased timing of cost saves. Management characterized these negatives as largely one-time or manageable and expressed confidence in sustained organic growth and integration progress.View all TCBX earnings summariesTCBX Stock 12 Month Forecast
Average Price Target
$45.00
▲(6.84% Upside)
Technical Analysis
Farmers National Banc Oh
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Financial Institutions
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Washington Bancorp
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California BanCorp
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Capital Bancorp
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Ownership Overview
8.20% Insiders
9.82% Mutual Funds
6.56% Other Institutional Investors
63.30% Public Companies and
Individual Investors