Symbols / TCBX Stock $37.69 +0.48% Third Coast Bancshares, Inc.

Financial Services • Banks - Regional • United States • NYQ
TCBX (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Bart O. Caraway CPA
Exch · Country NYQ · United States
Market Cap 624.23M
Enterprise Value 354.43M
Income 64.32M
Sales 212.93M
FCF (ttm) —
Book/sh 39.09
Cash/sh 26.08
Employees 514
Insider 10d —
IPO Nov 09, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 9.69
Forward P/E 8.97
PEG —
P/S 2.93
P/B 0.96
P/C —
EV/EBITDA —
EV/Sales 1.67
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.89
EPS next Y 4.20
EPS Growth 13.20%
Revenue Growth 25.60%
EPS Gr Q/Q 20.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 1.20%
ROE 12.22%
ROIC —
Gross Margin 0.00%
Oper. Margin 34.21%
Profit Margin 32.44%
Shs Outstand 16.56M
Shs Float 15.25M
Insider Own 8.14%
Instit Own 52.94%
Short Float 2.16%
Short Ratio 3.92
Short Interest 328.51K
52W High 43.84
vs 52W High -14.03%
52W Low 28.13
vs 52W Low 33.99%
Beta 0.74
Impl. Vol. 6.25%
Rel Volume 0.95
Avg Volume 79.17K
Volume 75.22K
Target (mean) $42.75
Tgt Median $43.00
Tgt Low $40.00
Tgt High $45.00
# Analysts 4
Recom Buy
Prev Close $37.51
Price $37.69
Change 0.48%
About

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 estate loans; construction, development and other loans; commercial and industrial loans; and farmland, consumer, and agricultural loans, as well as lease financing and bond anticipation notes, as well as financial products and services. The company also provides retail and commercial online banking platforms, mobile banking apps, treasury management solutions, merchant card services, and customer digital solutions, as well as debit and credit cards. In addition, it offers state and municipal and mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds. The company was founded in 2008 and is headquartered in Humble, Texas.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$42.75
Mean price target
2. Current target
$37.69
Latest analyst target
3. DCF / Fair value
$58.35
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$37.69
Low
$40.00
High
$45.00
Mean
$42.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-24 main Stephens & Co. Overweight → Overweight $45
2026-04-07 up Raymond James Market Perform → Outperform $45
2026-01-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $45
2025-10-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $43
2025-10-28 main Stephens & Co. Overweight → Overweight $46
2025-07-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $42
2025-04-25 main Stephens & Co. Overweight → Overweight $39
2025-04-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $36
2025-04-02 down Raymond James Outperform → Market Perform —
2025-01-29 down Keefe, Bruyette & Woods Outperform → Market Perform $42
2025-01-24 reit Raymond James Outperform → Outperform $39
2025-01-23 reit Stephens & Co. Overweight → Overweight $42
2024-07-29 main Deutsche Bank Hold → Hold $26
2024-07-29 reit Keefe, Bruyette & Woods Outperform → Outperform $28
2024-01-29 main Raymond James Outperform → Outperform $22
2024-01-11 init Keefe, Bruyette & Woods — → Outperform $26
2023-10-27 main Stephens & Co. Overweight → Overweight $20
2023-10-27 main Raymond James Outperform → Outperform $20
2023-07-28 main Stephens & Co. Overweight → Overweight $24
2023-07-28 up Raymond James Market Perform → Outperform $23
News
RSS: Latest TCBX news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-13 BOBBORA WILLIAM Officer — 3,549 $0.00 $0
2026-03-13 PEACOCK CHRISTOPHER SEAY Officer — 669 $0.00 $0
2026-03-13 EBER LIZ Officer — 1,338 $0.00 $0
2026-03-13 MCWHORTER RICHARD JOHN Chief Financial Officer — 3,180 $0.00 $0
2026-03-13 CARAWAY BART O Chief Executive Officer — 32,136 $0.00 $0
2026-03-13 DUNCAN AUDREY Officer — 1,338 $0.00 $0
2026-03-03 WILKINSON JEFFREY A Director — 14,776 $21.77 $321,674
2026-02-24 BOBBORA WILLIAM Officer — 1,200 $39.62 $47,538
2026-02-09 BAILEY CAROLYN Director — 2,000 $16.43 $32,860
2025-12-01 BRUNSON W DONALD Director — 1,500 $38.51 $57,818
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
207.74
+21.86%
170.47
+15.92%
147.06
+19.86%
122.69
Operating Revenue
207.74
+21.86%
170.47
+15.92%
147.06
+19.86%
122.69
Selling General And Administration
79.33
+18.72%
66.82
+3.05%
64.84
+10.99%
58.42
Selling And Marketing Expense
2.14
+25.60%
1.71
-35.02%
2.63
+37.40%
1.91
General And Administrative Expense
77.19
+18.54%
65.12
+4.66%
62.22
+10.10%
56.51
Salaries And Wages
77.19
+18.54%
65.12
+4.66%
62.22
+10.10%
56.51
Other Gand A
—
—
—
—
Reconciled Depreciation
4.75
+2.75%
4.62
+17.08%
3.95
+54.44%
2.56
Total Unusual Items
—
—
0.00
+100.00%
-0.35
Total Unusual Items Excluding Goodwill
—
—
0.00
+100.00%
-0.35
Net Income
66.29
+39.06%
47.67
+42.72%
33.40
+79.01%
18.66
Pretax Income
82.75
+34.87%
61.35
+47.44%
41.61
+79.61%
23.17
Net Interest Income
195.22
+21.44%
160.76
+15.22%
139.53
+19.81%
116.45
Interest Expense
158.81
-5.24%
167.60
+31.95%
127.02
+238.79%
37.49
Interest Income
354.03
+7.82%
328.36
+23.19%
266.54
+73.14%
153.95
Gain On Sale Of Security
-0.61
-15150.00%
-0.00
-100.83%
0.48
0.00
Tax Provision
16.45
+20.28%
13.68
+66.61%
8.21
+82.10%
4.51
Tax Rate For Calcs
0.00
-10.76%
0.00
+13.20%
0.00
+1.03%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
66.29
+39.06%
47.67
+42.72%
33.40
+79.01%
18.66
Net Income From Continuing Operation Net Minority Interest
66.29
+39.06%
47.67
+42.72%
33.40
+79.01%
18.66
Net Income From Continuing And Discontinued Operation
66.29
+39.06%
47.67
+42.72%
33.40
+79.01%
18.66
Net Income Continuous Operations
66.29
+39.06%
47.67
+42.72%
33.40
+79.01%
18.66
Normalized Income
66.29
+39.06%
47.67
+42.72%
33.40
+79.01%
18.66
Net Income Common Stockholders
61.54
+43.38%
42.92
+49.74%
28.66
+66.26%
17.24
Diluted EPS
3.79
+36.33%
2.78
+40.40%
1.98
+58.40%
1.25
Basic EPS
4.45
+41.72%
3.14
+48.82%
2.11
+64.84%
1.28
Basic Average Shares
13.84
+1.35%
13.66
+0.54%
13.58
+0.88%
13.47
Diluted Average Shares
17.48
+2.00%
17.13
+1.52%
16.88
+22.71%
13.75
Diluted NI Availto Com Stockholders
61.54
+43.38%
42.92
+49.74%
28.66
+66.26%
17.24
Occupancy And Equipment
15.89
-0.53%
15.98
+16.96%
13.66
+43.22%
9.54
Other Non Interest Expense
14.72
-1.85%
14.99
+16.79%
12.84
+3.75%
12.37
Preferred Stock Dividends
4.75
+0.02%
4.75
+0.27%
4.74
+233.99%
1.42
Professional Expense And Contract Services Expense
7.46
+32.54%
5.63
-27.66%
7.78
+11.39%
6.99
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
5,340.76
+8.06%
4,942.45
+12.43%
4,396.07
+16.51%
3,773.15
Cash And Cash Equivalents
175.47
-52.77%
371.51
+25.12%
296.93
-9.99%
329.86
Cash Financial
175.20
-52.80%
371.16
+25.00%
296.93
-9.99%
329.86
Other Short Term Investments
223.91
-41.69%
384.02
+115.64%
178.09
+1.15%
176.07
Receivables
29.24
+13.23%
25.82
+11.68%
23.12
+26.06%
18.34
Accounts Receivable
29.24
+13.23%
25.82
+11.68%
23.12
+26.06%
18.34
Net PPE
41.85
-9.19%
46.09
-7.80%
49.99
+7.43%
46.53
Gross PPE
63.61
-0.85%
64.15
+0.30%
63.96
+12.17%
57.02
Accumulated Depreciation
-21.75
-20.46%
-18.06
-29.28%
-13.97
-33.16%
-10.49
Land And Improvements
3.89
+0.00%
3.89
+0.00%
3.89
+0.00%
3.89
Buildings And Improvements
14.35
+3.83%
13.82
+0.88%
13.70
+0.72%
13.61
Machinery Furniture Equipment
5.98
+9.69%
5.45
+16.82%
4.67
+11.89%
4.17
Construction In Progress
0.17
0.00
-100.00%
2.30
+17.26%
1.96
Other Properties
24.70
-9.03%
27.15
-2.05%
27.72
+17.30%
23.63
Leases
14.51
+4.91%
13.83
+18.46%
11.68
+19.64%
9.76
Goodwill And Other Intangible Assets
18.68
-0.85%
18.84
-0.85%
19.00
-0.85%
19.16
Goodwill
—
—
18.03
+0.00%
18.03
Other Intangible Assets
—
—
0.97
-14.32%
1.13
Investments And Advances
575.20
+49.78%
384.02
+115.64%
178.09
+1.15%
176.07
Total Liabilities Net Minority Interest
4,809.73
+7.32%
4,481.73
+12.49%
3,984.10
+17.48%
3,391.37
Payables And Accrued Expenses
5.96
-5.16%
6.28
+31.02%
4.79
+88.37%
2.54
Payables
5.96
-5.16%
6.28
+31.02%
4.79
+88.37%
2.54
Accounts Payable
5.96
-5.16%
6.28
+31.02%
4.79
+88.37%
2.54
Current Debt And Capital Lease Obligation
37.88
+22.67%
30.88
-20.58%
38.88
+25.91%
30.88
Current Debt
37.88
+22.67%
30.88
-20.58%
38.88
+25.91%
30.88
Long Term Debt And Capital Lease Obligation
99.09
-2.52%
101.66
-1.14%
102.83
+4.34%
98.56
Long Term Debt
80.97
+0.26%
80.76
+0.26%
80.55
+0.26%
80.35
Long Term Capital Lease Obligation
18.13
-13.25%
20.90
-6.19%
22.28
+22.36%
18.21
Stockholders Equity
531.03
+15.26%
460.72
+11.83%
411.97
+7.91%
381.78
Common Stock Equity
530.96
+15.26%
460.65
+11.83%
411.90
+7.91%
381.71
Capital Stock
14.04
+0.88%
13.92
+1.20%
13.75
+0.53%
13.68
Common Stock
13.97
+0.88%
13.85
+1.21%
13.68
+0.54%
13.61
Preferred Stock
0.07
+0.00%
0.07
+0.00%
0.07
+0.00%
0.07
Share Issued
13.97
+0.88%
13.85
+1.21%
13.68
+0.54%
13.61
Ordinary Shares Number
13.89
+0.88%
13.77
+1.21%
13.60
+0.54%
13.53
Treasury Shares Number
0.08
+0.00%
0.08
+0.00%
0.08
+0.00%
0.08
Additional Paid In Capital
323.93
+0.69%
321.70
+0.65%
319.61
+0.50%
318.03
Retained Earnings
183.24
+50.57%
121.70
+54.49%
78.78
+47.88%
53.27
Gains Losses Not Affecting Retained Earnings
10.92
+142.24%
4.51
+383.17%
0.93
+144.37%
-2.10
Treasury Stock
1.10
+0.00%
1.10
+0.00%
1.10
+0.00%
1.10
Other Equity Adjustments
10.92
+142.24%
4.51
+383.17%
0.93
+144.37%
-2.10
Total Equity Gross Minority Interest
531.03
+15.26%
460.72
+11.83%
411.97
+7.91%
381.78
Total Capitalization
611.99
+13.02%
541.48
+9.94%
492.53
+6.58%
462.13
Invested Capital
649.80
+13.54%
572.28
+7.71%
531.33
+7.79%
492.93
Total Debt
136.97
+3.35%
132.53
-6.47%
141.71
+9.48%
129.43
Capital Lease Obligations
18.13
-13.25%
20.90
-6.19%
22.28
+22.36%
18.21
Net Tangible Assets
512.35
+15.95%
441.88
+12.45%
392.97
+8.37%
362.62
Tangible Book Value
512.28
+15.95%
441.81
+12.45%
392.90
+8.37%
362.55
Available For Sale Securities
159.28
—
—
—
Cash Cash Equivalents And Federal Funds Sold
181.50
-56.95%
421.56
+2.36%
411.85
+24.04%
332.01
Derivative Product Liabilities
3.14
-63.72%
8.66
-18.97%
10.69
+15.90%
9.22
Held To Maturity Securities
192.01
0.00
—
—
Line Of Credit
37.88
+22.67%
30.88
-20.58%
38.88
+25.91%
30.88
Preferred Stock Equity
0.07
+0.00%
0.07
+0.00%
0.07
+0.00%
0.07
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
50.84
+44.69%
35.14
-10.08%
39.08
+79.32%
21.79
Cash Flow From Continuing Operating Activities
50.84
+44.69%
35.14
-10.08%
39.08
+79.32%
21.79
Net Income From Continuing Operations
66.29
+39.06%
47.67
+42.72%
33.40
+79.01%
18.66
Depreciation Amortization Depletion
4.75
+2.75%
4.62
+17.08%
3.95
+54.44%
2.56
Depreciation
—
—
-0.47
+2.92%
-0.48
Depreciation And Amortization
4.75
+2.75%
4.62
+17.08%
3.95
+54.44%
2.56
Other Non Cash Items
-2.99
-30.91%
-2.28
-40.99%
-1.62
+39.19%
-2.66
Stock Based Compensation
1.61
-5.36%
1.70
+4.36%
1.63
+27.69%
1.27
Asset Impairment Charge
-0.21
-468.42%
0.06
0.00
0.00
Deferred Tax
3.29
+203.82%
-3.17
-9.62%
-2.89
-131.28%
-1.25
Deferred Income Tax
3.29
+203.82%
-3.17
-9.62%
-2.89
-131.28%
-1.25
Operating Gains Losses
-2.08
+36.61%
-3.28
-43.65%
-2.28
-69.92%
-1.34
Gain Loss On Investment Securities
0.61
+15150.00%
0.00
+100.83%
-0.48
0.00
Gain Loss On Sale Of PPE
—
—
—
0.00
Change In Working Capital
-8.30
-16.17%
-7.14
-237.68%
5.19
+200.68%
-5.15
Change In Receivables
-20.65
-170.08%
-7.65
-74.27%
-4.39
+65.47%
-12.71
Changes In Account Receivables
-20.65
-170.08%
-7.65
-74.27%
-4.39
+65.47%
-12.71
Change In Payables And Accrued Expense
12.36
+2351.39%
0.50
-94.74%
9.58
+26.77%
7.55
Change In Payable
12.36
+2351.39%
0.50
-94.74%
9.58
+26.77%
7.55
Change In Account Payable
12.36
+2351.39%
0.50
-94.74%
9.58
+26.77%
7.55
Investing Cash Flow
-610.20
-17.14%
-520.93
+1.63%
-529.53
+57.28%
-1,239.53
Cash Flow From Continuing Investing Activities
-610.20
-17.14%
-520.93
+1.63%
-529.53
+57.28%
-1,239.53
Net PPE Purchase And Sale
-2.68
-51.81%
-1.77
+48.62%
-3.44
+68.36%
-10.86
Purchase Of PPE
-2.68
-51.81%
-1.77
+48.62%
-3.44
+71.80%
-12.19
Sale Of PPE
—
0.00
0.00
-100.00%
1.33
Capital Expenditure
-2.68
-51.81%
-1.77
+48.62%
-3.44
+71.80%
-12.19
Net Investment Purchase And Sale
-180.72
+8.05%
-196.55
-4465.88%
4.50
+102.78%
-161.93
Purchase Of Investment
-5,426.10
-26.83%
-4,278.17
-37.21%
-3,117.99
-43.88%
-2,167.11
Sale Of Investment
5,245.37
+28.51%
4,081.62
+30.72%
3,122.49
+55.72%
2,005.18
Net Business Purchase And Sale
—
—
—
0.00
Net Other Investing Changes
-4.34
—
-3.00
+90.89%
-32.92
Financing Cash Flow
319.39
-35.50%
495.15
-13.18%
570.29
-53.36%
1,222.73
Cash Flow From Continuing Financing Activities
319.39
-35.50%
495.15
-13.18%
570.29
-53.36%
1,222.73
Net Issuance Payments Of Debt
7.00
+187.50%
-8.00
-200.00%
8.00
-86.68%
60.07
Issuance Of Debt
—
0.00
0.00
-100.00%
80.19
Repayment Of Debt
—
0.00
0.00
+100.00%
-50.00
Long Term Debt Issuance
—
0.00
0.00
-100.00%
80.19
Long Term Debt Payments
—
0.00
0.00
+100.00%
-50.00
Net Long Term Debt Issuance
—
0.00
0.00
-100.00%
30.19
Net Short Term Debt Issuance
7.00
+187.50%
-8.00
-200.00%
8.00
-73.22%
29.88
Net Common Stock Issuance
—
—
0.00
0.00
Common Stock Payments
—
—
0.00
0.00
Cash Dividends Paid
-4.75
-0.02%
-4.75
-0.27%
-4.74
-2042.99%
-0.22
Repurchase Of Capital Stock
—
—
0.00
0.00
Proceeds From Stock Option Exercised
0.78
+18.75%
0.66
+1295.74%
0.05
-96.92%
1.53
Net Other Financing Charges
-0.03
+70.09%
-0.11
-386.36%
-0.02
—
Changes In Cash
-239.97
-2664.64%
9.36
-88.28%
79.83
+1500.14%
4.99
Beginning Cash Position
421.20
+2.27%
411.85
+24.04%
332.01
+1.53%
327.02
End Cash Position
181.23
-56.97%
421.20
+2.27%
411.85
+24.04%
332.01
Free Cash Flow
48.16
+44.31%
33.37
-6.36%
35.64
+271.15%
9.60
Interest Paid Supplemental Data
159.14
-4.20%
166.11
+33.13%
124.77
+252.62%
35.38
Income Tax Paid Supplemental Data
22.82
+44.60%
15.78
+84.22%
8.57
+21.26%
7.07
Common Stock Issuance
—
—
0.00
0.00
Issuance Of Capital Stock
—
0.00
0.00
-100.00%
66.22
Net Preferred Stock Issuance
—
0.00
0.00
-100.00%
66.22
Preferred Stock Dividend Paid
-4.75
-0.02%
-4.75
-0.27%
-4.74
-2042.99%
-0.22
Preferred Stock Issuance
—
0.00
0.00
-100.00%
66.22
Sale Of Business
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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