THIRD COAST BANCSHARES INC

TCBXNYSE

🏆 #2562 by market capEarnings Oct 28US Equity

$45.40▲ $0.49 (+1.08%)

Live

1h▼ 0.2%

24h▲ 1.1%

7d▲ 2.7%

14d▲ 2.4%

30d▲ 11.2%

1y▲ 18.0%

🏦Market Cap

$755M

Small Cap

📈Revenue Growth (YoY)

+85.9%

High Growth

📊Gross Margin

—

💵FCF Margin

15.3%

Healthy

⚖️P/S Ratio

1.6x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $45.08 – $45.69
52-Week Range: $35.60 – $44.98
Volume: $4.58B
Avg Volume: $3.19B
Shares Outstanding: 16.6M
Next Earnings: Sep 6, 2026

Fundamentals Snapshot

Annual Revenue: $367M
Last Q Revenue: $51M
P/E Ratio: 9.9
P/S Ratio: 1.6x
EPS (TTM): $4.01
Dividend Yield: 0.64%

Why Investors Own TCBX

✓High-growth profile — revenue up -8.4% YoY with expanding US Equity exposure.
✓Healthy economics — 45% gross margin and 19% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$367M▼ −8.2% YoY

Gross Margin (TTM)

45.3%▲ +0.5% YoY

Operating Income (TTM)

$112M▼ −8.2% YoY

Free Cash Flow (TTM)

$70M▼ −8.2% YoY

About THIRD COAST BANCSHARES INC

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. Beyond these core services, Third Coast also offers treasury management, both consumer and commercial online banking platforms, mobile applications, secure safe deposit boxes, wire transfer capabilities, and debit cards. Geographically, the bank operates a total of twelve branches: eleven are strategically located across the major Texas metropolitan areas of Greater Houston, Dallas-Fort Worth, and Austin-San Antonio, with an additional branch situated in Detroit, Texas. The company was founded in 2008 and has its principal office in Humble, Texas.

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