Third Coast Bancshares (TCBX)
NYSE:TCBX
TCBX Stock Chart & Stats
$37.68
-$0.14(-0.43%)
At close: 4:00 PM EST
$37.68
-$0.14(-0.43%)
Day’s Range― - ―
52-Week Range$25.17 - $43.84
Previous CloseN/A
Volume17.23K
Average Volume (3M)67.55K
Market Cap
$621.18M
Enterprise Value$476.53M
Total Cash (Recent Filing)$558.39M
Total Debt (Recent Filing)$136.97M
Price to Earnings (P/E)7.9
Beta0.92
Next Earnings
Apr 29, 2026EPS Estimate
0.86Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.02
Shares Outstanding16,485,783
10 Day Avg. Volume66,490
30 Day Avg. Volume67,549
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 Cap0.77
Enterprise Value/Revenue1.30
Enterprise Value/Gross Profit2.35
Enterprise Value/Ebitda5.29
Forecast
1Y Price Target
$45.00Price Target Upside19.43% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.03
Revenue Forecast (FY)$249.24M
Bulls Say, Bears Say
Bulls Say
Multi‑year Revenue & Earnings GrowthSustained top‑line and profit expansion over multiple years indicates scalable lending and fee platforms. Higher margins and record net income support reinvestment, organic growth, and provide a durable earnings base that should help fund growth and absorb shocks over the next several quarters.
Material Capital Build & Conservative LeverageA much stronger capital base and lower leverage materially improve loss‑absorbing capacity and regulatory flexibility. This supports M&A, securitizations and targeted loan growth while reducing the probability that capital constraints will force deleveraging in the medium term.
Diversifying Fee Income & Improving Credit MetricsRapid fee income growth reduces reliance on net interest spread and smooths revenue cyclicality. Coupled with improving nonperforming loans and low net charge‑offs, this mix strengthens earnings resilience and supports sustainable ROE even if interest margin pressures reappear.
Bears Say
Merger Integration & Expense DragThe Keystone acquisition expands footprint but brings near‑term integration tasks, retention costs and governance complexity. Execution risk and $5M+ of incremental merger expenses can pressure operating leverage and distract management, affecting efficiency and realized synergies over multiple quarters.
Deposit Stickiness And Funding UncertaintySeasonal or customer‑dependent deposit inflows create funding volatility that can raise cost of funds if balances roll off. For a regional lender, unstable deposits complicate loan growth planning, NIM management and liquidity buffers, making margins and growth lumpy over the next 2–6 months.
NIM And Cash‑flow Sensitivity To One‑time ItemsMaterial one‑time loan fees and planned securitizations create a 'cliff' effect in reported NIM and timing of income. Combined with historical uneven cash conversion, this raises uncertainty about sustainable margins and free cash flow, making near‑term earnings less predictable.
Third Coast Bancshares News
TCBX FAQ
What was Third Coast Bancshares’s price range in the past 12 months?
Third Coast Bancshares lowest stock price was $25.17 and its highest was $43.84 in the past 12 months.
What is Third Coast Bancshares’s market cap?
Third Coast Bancshares’s market cap is $621.18M.
When is Third Coast Bancshares’s upcoming earnings report date?
Third Coast Bancshares’s upcoming earnings report date is Apr 29, 2026 which is in 32 days.
How were Third Coast Bancshares’s earnings last quarter?
Third Coast Bancshares released its earnings results on Jan 21, 2026. The company reported $1.02 earnings per share for the quarter, beating the consensus estimate of $0.91 by $0.11.
Is Third Coast Bancshares overvalued?
According to Wall Street analysts Third Coast Bancshares’s price is currently Undervalued.
Does Third Coast Bancshares pay dividends?
Third Coast Bancshares pays a Quarterly dividend of $16.88 which represents an annual dividend yield of N/A. See more information on Third Coast Bancshares dividends here
What is Third Coast Bancshares’s EPS estimate?
Third Coast Bancshares’s EPS estimate is 0.86.
How many shares outstanding does Third Coast Bancshares have?
Third Coast Bancshares has 16,485,783 shares outstanding.
What happened to Third Coast Bancshares’s price movement after its last earnings report?
Third Coast Bancshares reported an EPS of $1.02 in its last earnings report, beating expectations of $0.91. Following the earnings report the stock price went up 5.194%.
Which hedge fund is a major shareholder of Third Coast Bancshares?
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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10
Analyst Consensus
Hold
Average Price Target:
$45.00 (19.43% Upside)
$45.00 (19.43% 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
Technicals
SMA
Positive
20 days / 200 days
Momentum
17.86%
12-Months-Change
Fundamentals
Return on Equity
13.12%
Trailing 12-Months
Asset Growth
8.10%
Trailing 12-Months
Company Description
Third Coast Bancshares
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented strong operating and financial results: record full-year earnings, double-digit loan growth, expanding assets and deposits, improving fee income, lower funding costs, stronger book value and improving credit metrics. Near-term challenges include one-time and merger-related expenses, lumpy fee-driven margin benefits that may not recur, seasonal deposit inflows and modest allowance ratio compression. Management has a clear M&A pipeline (Keystone) and targets disciplined loan growth and efficiency initiatives. Overall, positive momentum and fundamentals outweigh the flagged short-term expenses and variability risks.View all TCBX earnings summariesTCBX Stock 12 Month Forecast
Average Price Target
$45.00
▲(19.43% 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
8.24% Insiders
9.72% Mutual Funds
15.76% Other Institutional Investors
54.71% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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