Third Coast Bancshares, Inc. (TCBX) AI Stock Analysis

Third Coast Bancshares, Inc. functions as the holding company overseeing Third Coast Bank, SSB, specializing in commercial banking solutions for small and medium-sized businesses and professionals. Established in 2008 and headquartered in Humble, Texas, the bank offers deposit products such as checking, savings, money market, individual retirement accounts, and certificates of deposit. Lending solutions include commercial and industrial loans, equipment financing, auto finance, and working capital lines. The bank operates eleven branches across Greater Houston, Dallas-Fort Worth, and Austin-San Antonio, alongside one branch in Detroit, Texas.

From FY2021 to FY2025, Third Coast Bancshares grew its annual revenue from $103.2M to $366.9M, achieving a 5-year revenue CAGR of 34.4%. Annual net income rose from $11.4M in FY2021 to $66.3M in FY2025, lifting net margin from 11.1% to 18.1% and diluted EPS from $0.86 to $3.79. Over the trailing twelve months, revenue was $229.0M with a profit margin of 32.5%. In the latest quarter ended June 30, 2026, quarterly revenue increased 32.1% year-over-year, while quarterly earnings grew 12.3%.

As of June 30, 2026, Third Coast Bancshares held $1.01B in cash and short-term investments against total debt of $141.4M, resulting in net cash of $866.2M. Total assets stood at $6.74B and shareholders' equity was $670.8M, representing a debt-to-equity ratio of 0.21 and a current ratio of 0.18. During FY2025, operating cash flow reached $50.8M and free cash flow was $48.2M, with $2.7M used for capital expenditures and $4.8M paid in dividends. The share count expanded 33.0% over 5 years.

Trading at $41.50, Third Coast Bancshares holds a market cap of $691.2M and an enterprise value of $441.2M. The stock trades at a trailing P/E of 10.3x and a forward P/E of 10.2x, below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales multiple is 3.0x versus the peer median of 3.2x, while price-to-book stands at 1.0x. Over the past year, TCBX gained 10.4%, trailing the S&P 500 (SPY) return of 16.8%.

Wall Street coverage consists of 2 Strong Buy, 2 Buy, and 3 Hold ratings. The mean price target is $48.43, representing a 16.7% premium over the last close of $41.50. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.96 on revenue of $258.0M. Third Coast Bancshares beat EPS consensus estimates in 3 of the last 4 quarters, with its next earnings announcement scheduled for October 21, 2026.

This page is an AI-written research summary of Third Coast Bancshares, Inc. (TCBX). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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