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TCBXThird Coast Bancshares, Inc.
$40.92$577M
Overview & Verdict
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TCBX logoThird Coast Bancshares, Inc.(TCBX)Earnings, Financials & Key Ratios

TCBX•NASDAQ•Banking & Credit
$40.92
10.8× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutThird 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.Show more
  • Net Interest Income$195M+21.4%
  • Total Revenue$367M+8.5%
  • Net Income$66M+39.1%
  • Return on Equity13.37%+22.4%
  • Net Interest Margin3.66%+12.4%
  • Efficiency Ratio32.1%+4.9%
  • ROA1.29%+26.3%
  • Equity / Assets9.94%+6.7%
  • Book Value per Share32.43+20.6%

TCBX Price & Volume

Third Coast Bancshares, Inc. (TCBX) stock price & volume — 10-year historical chart

Loading chart...

Aggressive Texas Expansion Drives Rapid Asset Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Geographic concentration in Texas

Key Thesis Takeaways

  • Third Coast Bancshares is executing an aggressive growth strategy in the Texas Golden Triangle, evidenced by total assets expanding from $4.4 billion in 2023Q4 to $6.6 billion by 2026Q1.
  • While this scale-up has driven consistent NII growth to $53.6 million, investors should monitor the compressed NIM, which has fluctuated between 0.8% and 1.0% over the last ten quarters.
  • The bank's reliance on a $5.9 billion investment securities portfolio and volatile operating cash flows warrants caution regarding long-term margin sustainability and liquidity management.

Verdict Logic

while the bank shows a compelling PEG ratio of 0.73, the persistent NIM compression between 0.8% and 1.0% suggests that rapid asset growth is not yet translating into superior profitability.

TCBX Growth Metrics

Third Coast Bancshares, Inc. (TCBX) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years34.44%
3 Years31.82%
TTM-

Profit CAGR

10 Years-
5 Years40.48%
3 Years52.59%
TTM35.72%

EPS CAGR

10 Years-
5 Years14.69%
3 Years44.74%
TTM48.12%

Return on Capital

10 Years7.71%
5 Years8.47%
3 Years10.69%
Last Year13.44%

TCBX Recent Earnings

Third Coast Bancshares, Inc. (TCBX) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$0.88+4.8%
$0.84
Rev
$58M-0.5%
$58M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.79-12.2%
$0.90
Rev
$96M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.02+13.3%
$0.90
Rev
$56M+6.4%
$53M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$1.03+28.7%
$0.80
Rev
$54M+5.5%
$52M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.88vs $0.84+4.8%
$58Mvs $58M-0.5%
Q1 2026Jan 28, 2026
$0.79vs $0.90-12.2%
$96M
Q1 2026Jan 21, 2026
$1.02vs $0.90+13.3%
$56Mvs $53M+6.4%
Q4 2025Oct 22, 2025
$1.03vs $0.80+28.7%
$54Mvs $52M+5.5%
Based on last 12 quarters of dataView full earnings history →

Latest TCBX News

Recent stock market news and headlines for Third Coast Bancshares, Inc. (TCBX)

PRNewsWire·5 days ago
Third Coast Bancshares, Inc. Announces 2026 Share Repurchase Program

HOUSTON, July 2, 2026 /PRNewswire/ -- Third Coast Bancshares, Inc. (NYSE and NYSE Texas: TCBX) (the "Company," "Third Coast," "we," "us," or "our"), today announced that its Board of Directors approved the continuation of its share repurchase program (the "Repurchase Program"). This Repurchase Program allows the Company to buy up to $30 million of its common stock and will expire on June 30, 2027.

PRNewsWire·6 days ago
Third Coast Bancshares, Inc. Announces 2026 Second Quarter Earnings Release and Conference Call Schedule

HOUSTON, July 1, 2026 /PRNewswire/ -- Third Coast Bancshares, Inc. (NYSE and NYSE Texas: TCBX), ("Third Coast"), the holding company of Third Coast Bank, today announced that it will report its 2026 second quarter financial results on Wednesday, July 22, 2026 after the market closes. Management has scheduled a conference call and webcast on Thursday, July 23, 2026 at 11:00 a.m.

PRNewsWire·Jun 18, 2026
Third Coast Bancshares, Inc. Declares Quarterly Cash Dividend on its 6.75% Series A Convertible Non-Cumulative Preferred Stock

HOUSTON, June 18, 2026 /PRNewswire/ -- Third Coast Bancshares, Inc. (NYSE & NYSE Texas: TCBX), the holding company of Third Coast Bank, today announced that its Board of Directors has declared a quarterly cash dividend of $17.0625 per share on its 6.75% Series A Convertible Non–Cumulative Preferred Stock. The dividend is payable on July 15, 2026 to holders of record at the close of business on June 30, 2026.

Peers Comparison

Key metrics vs top competitors for Third Coast Bancshares, Inc. (TCBX)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TCBX logoTCBXThird Coast Bancshares, Inc.Current
$40.92$577.02M10.808.54%18.07%13.37%0.71%
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
SBSI logoSBSISouthside Bancshares, Inc.
$34.57$1.03B15.10-8.12%15.77%8.49%—
TCBI logoTCBITexas Capital Bancshares, Inc.
$104.54$4.57B15.3713.54%17.71%9.93%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
HOMB logoHOMBHome Bancshares, Inc.
$28.66$5.77B11.89-5.35%34.84%11.29%—

Compare TCBX vs Peers

Third Coast Bancshares, Inc. (TCBX) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for TCBX.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TCBX against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, SBSI, TCBI, SFNC

TCBX SEC Filings & Documents

Third Coast Bancshares, Inc. (TCBX) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 18, 2026·SEC

Material company update

May 21, 2026·SEC

Material company update

May 1, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 4, 2026·SEC

FY 2025

Mar 5, 2025·SEC

FY 2024

Mar 7, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

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TCBX Frequently Asked Questions

Third Coast Bancshares, Inc. (TCBX) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Third Coast Bancshares, Inc. growing?

Third Coast Bancshares, Inc. (TCBX) grew revenue by 8.5% over the past year. This is steady growth.

Is TCBX profitable?

Yes, Third Coast Bancshares, Inc. (TCBX) is profitable, generating $69.1M in net income for fiscal year 2025 (18.1% net margin).

Dividend & Returns
Does TCBX pay dividends?

Yes, Third Coast Bancshares, Inc. (TCBX) pays a dividend with a yield of 0.71%. This makes it attractive for income-focused investors.

What is TCBX's return on equity?

Third Coast Bancshares, Inc. (TCBX) has a return on equity (ROE) of 13.4%. This is reasonable for most industries.

Industry Metrics
What is Third Coast Bancshares, Inc.'s net interest margin?

Third Coast Bancshares, Inc. (TCBX) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.

What is Third Coast Bancshares, Inc.'s efficiency ratio?

Third Coast Bancshares, Inc. (TCBX) has an efficiency ratio of 32.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in TCBX back in 2019?

Total return calculator · dividends reinvested · 7+ years of data

See returns →