Third Coast Bancshares, Inc.
TCBX · Price history
Price at last available close
$40.41
−$2.19 (-5.14%) 1M
2026-10-29
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Company & revenue
About Third Coast Bancshares, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Third Coast Bancshares, Inc. serves as the parent company for Third Coast Bank, SSB, a financial institution primarily focused on delivering a broad spectrum of commercial banking solutions to small and medium-sized businesses, as well as individual professionals. The bank's offerings include a comprehensive range of deposit accounts, such as checking, savings, individual retirement accounts (IRAs), money market accounts, and certificates of deposit (CDs). For its lending services, it provides commercial and industrial (C&I) loans, which encompass financing for equipment, working capital, vehicle fleets, and various other commercial needs.
How they make money
Third Coast Bancshares, Inc. operates as a bank holding company that generates revenue primarily through net interest income earned on loans and investment securities, supplemented by non-interest income from service charges, treasury management, and other banking fees. The company provides commercial and consumer banking services, including lending and deposit products, primarily serving small to medium-sized businesses and individuals across the Gulf Coast, Houston, Central Texas, and Dallas-Fort Worth regions.
Products & services
Commercial and consumer banking services including commercial loans, lines of credit, term loans, SBA loans, accounts receivable lending, factoring, treasury management, and deposit accounts.
Brands & revenue mix
The primary banking brand through which the company provides its financial services.
Separate brand revenue is not available in this research.Source
A division focused on providing working capital solutions, including factoring and asset-based lending.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not disclose any single customer that accounts for 10% or more of its total revenue for the fiscal year ended December 31, 2025.
Suppliers, materials & equipment
- Core data processing services provider — A nationally recognized bank software vendor that provides core data processing, electronic funds transfer, transaction processing, and online banking services.Source
- Third-party network design and architecture provider — A third-party service provider that supplies technical expertise for network design and architecture.Source
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
65
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
63
Fair
Financial Strength
39
Business Quality / Moat
97
Management
84
Growth Quality
26
Risk / Durability
57
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
73
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
71/100
Building Historical Record
Model Score 71/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Debt service risk
- •M&A headline · Oct 7, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for TCBX
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving TCBX's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is TCBX's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is TCBX likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is TCBX's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
65
Opportunity Score
73
Market Cap
$673.0M
P/E Ratio
8.7
EPS
$4.56
52-Week High
$46.36
52-Week Low
$35.73
Beta
0.65
Intrinsic Value
$175.56
Analyst Target
$49.00
Shares Outstanding
16.4M
Total Revenue
$355.4M
Total Debt
$17.9M
Dividend
No current dividend
Liquidation Value / Share
$41.22
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for TCBX
Detected from reported data — verify before acting.Debt service risk
Interest coverage is low (~0.5x). Earnings may be strained to cover interest expense.
M&A headline · Oct 7, 2026
Third Coast Bancshares, Inc. and Great Plains Bancshares, Inc. Announce Definitive Merger Agreement — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
PRNewsWireCommunity Sentiment
0 active · 0 total callsNo personal call yet on TCBX.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong regional middle market banking teams.
- +SBA Preferred Lender status.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Credit risk associated with loan portfolio.
- −Interest rate risk and fluctuations in market rates.
- −Operational and cybersecurity risks related to outsourced IT systems.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
4 historical score records availablePrevious Score
58
Oct 21, 2026
Change
+7.4
points
Current Score
65
Oct 22, 2026
Category Changes
TCBX increased 7.4 points because overall fundamentals improved.
Projected Score
Projected Score
69
Projected Change
+3.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 3.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $4.56 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$40.41
Model Intrinsic Value
$175.56
Difference
−$135.15
-77.0% vs IV
Margin of Safety
77.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $355.4M | $366.9M | $338.1M | $274.1M | ···· | ···· | ···· | ···· |
| Cost of Revenue | $128.5M | $164.2M | $173.3M | $133.3M | ···· | ···· | ···· | ···· |
| Gross Profit | $120.1M | $202.8M | $164.8M | $140.7M | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· |
| SG&A Expenses | $73.6M | $79.3M | $66.8M | $64.8M | ···· | ···· | ···· | ···· |
| Operating Expenses | $97.1M | $117.8M | $103.4M | $99.1M | ···· | ···· | ···· | ···· |
| EBITDA | $29.8M | $89.7M | $66.0M | $45.6M | ···· | ···· | ···· | ···· |
| Operating Income | $23.8M | $85.0M | $61.4M | $41.6M | ···· | ···· | ···· | ···· |
| Interest Expense | $176.5M | $158.8M | $167.6M | $127.0M | ···· | ···· | ···· | ···· |
| Income Before Tax | $91.8M | $82.7M | $61.4M | $41.6M | ···· | ···· | ···· | ···· |
| Income Tax Expense | $16.5M | $16.5M | $13.7M | $8.2M | ···· | ···· | ···· | ···· |
| Net Income | $75.3M | $66.3M | $47.7M | $33.4M | ···· | ···· | ···· | ···· |
| Basic EPS | $4.56 | $4.45 | $3.14 | $2.11 | ···· | ···· | ···· | ···· |
| Basic Shares | 0 | 13.80M | 13.66M | 13.58M | ···· | ···· | ···· | ···· |
| Diluted Shares | 0 | 16.37M | 17.13M | 16.88M | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$106.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.93
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-86.5%
Cash Change
+208.4%
Margin Change
-1.0 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
- Debt reduced
What Weakened
- Margins contracted
Potential Score Impact
Positive indicators included revenue growth, cash levels, debt levels. Pressure indicators included EPS growth, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 11.0%. EPS declined 9.7%. Cash increased 208.4%. Total debt declined 86.5%. Net income margin declined by 1.0 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Third Coast Bancshares, Inc. Reports 2026 Third Quarter Financial Results
Third Coast Bancshares, Inc. (TCBX) Expected to Beat Earnings Estimates: What to Know Ahead of Q3 Release
Rumor Mill · TCBX
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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