TCBX
Third Coast Bancshares, Inc.
Price Chart
Latest Quote
$38.99
+0.52 (+1.35%)
Current Price
| Previous Close | $38.47 |
| Open | $39.01 |
| Day High | $39.60 |
| Day Low | $38.62 |
| Volume | 264,977 |
Stock Information
| Shares Outstanding | 16.59M |
| Total Debt | $161.08M |
| Cash Equivalents | $433.93M |
| Revenue | $212.93M |
| Net Income | $64.32M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $646.92M |
| P/E Ratio | 10.02 |
| EPS (TTM) | $3.89 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $381.95M |
| Sales | $212.93M |
| Income | $64.32M |
| Book/sh | $39.27 |
| Cash/sh | $26.15 |
| Employees | 463 |
Financial Ratios
| EPS Growth TTM | 20.50% |
Returns & Margins
| ROA | 1.20% |
| ROE | 12.22% |
| Operating Margin | 34.21% |
| Profit Margin | 32.44% |
Ownership
| Insider Ownership | 8.24% |
| Institutional Ownership | 57.07% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.28 |
| P/S | 3.04 |
| P/B | 0.99 |
Analyst Data
| Recommendation | none |
| Target Price | $42.75 |
Technical Indicators
| SMA20 | $38.87 |
| SMA50 | $38.80 |
| SMA200 | $38.94 |
| RSI | 55.02 |
| ATR | 1.1057 |
| Shares Float | 15.18M |
| Short Float | 2.69% |
| Short Ratio | 5.24 |
| Volatility | 0.66 |
| Rel Volume | 2.66 |
Performance History
| Week | -1.17% |
| Month | +6.33% |
| Quarter | +6.88% |
| 6 Months | -3.03% |
| YTD | +4.17% |
| Year | +31.32% |
| 3 Years | +129.49% |
| 10 Years | +55.90% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $38.99 | 264,977 |
| 2026-06-17 | $38.47 | 100,400 |
| 2026-06-16 | $39.46 | 106,500 |
| 2026-06-15 | $39.36 | 120,900 |
| 2026-06-12 | $40.08 | 89,900 |
| 2026-06-11 | $39.45 | 133,600 |
| 2026-06-10 | $40.09 | 126,700 |
| 2026-06-09 | $40.00 | 103,600 |
| 2026-06-08 | $39.65 | 102,400 |
| 2026-06-05 | $39.21 | 103,600 |
| 2026-06-04 | $39.32 | 93,700 |
| 2026-06-03 | $37.64 | 84,500 |
| 2026-06-02 | $38.16 | 67,300 |
| 2026-06-01 | $37.97 | 64,500 |
| 2026-05-29 | $38.26 | 46,500 |
| 2026-05-28 | $38.32 | 64,300 |
| 2026-05-27 | $38.41 | 85,400 |
| 2026-05-26 | $38.51 | 106,400 |
| 2026-05-22 | $38.08 | 55,300 |
| 2026-05-21 | $37.92 | 73,200 |
| 2026-05-20 | $37.79 | 82,300 |
| 2026-05-19 | $36.67 | 97,100 |
About Third Coast Bancshares, Inc.
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.
đ° Latest News
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $207,736,000 | $170,475,000 | $147,057,000 | $122,689,000 |
| Operating Revenue | $207,736,000 | $170,475,000 | $147,057,000 | $122,689,000 |
| Expenses | ||||
| Interest Expense | $158,813,000 | $167,598,000 | $127,019,000 | $37,492,000 |
| Selling And Marketing Expense | $2,144,000 | $1,707,000 | $2,627,000 | $1,912,000 |
| General And Administrative Expense | $77,189,000 | $65,116,000 | $62,217,000 | $56,510,000 |
| Professional Expense And Contract Services Expense | $7,462,000 | $5,630,000 | $7,783,000 | $6,987,000 |
| Other Non Interest Expense | $14,716,000 | $14,993,000 | $12,838,000 | $12,374,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $66,291,000 | $47,671,000 | $33,401,000 | $18,659,000 |
| Net Interest Income | $195,217,000 | $160,758,000 | $139,525,000 | $116,454,000 |
| Interest Income | $354,030,000 | $328,356,000 | $266,544,000 | $153,946,000 |
| Normalized Income | $66,291,000 | $47,671,000 | $33,401,000 | $18,659,000 |
| Net Income From Continuing And Discontinued Operation | $66,291,000 | $47,671,000 | $33,401,000 | $18,659,000 |
| Net Income Common Stockholders | $61,541,000 | $42,922,000 | $28,665,000 | $17,241,000 |
| Net Income | $66,291,000 | $47,671,000 | $33,401,000 | $18,659,000 |
| Net Income Including Noncontrolling Interests | $66,291,000 | $47,671,000 | $33,401,000 | $18,659,000 |
| Net Income Continuous Operations | $66,291,000 | $47,671,000 | $33,401,000 | $18,659,000 |
| Pretax Income | $82,745,000 | $61,351,000 | $41,612,000 | $23,168,000 |
| Per Share | ||||
| Diluted EPS | $3.79 | $2.78 | $1.98 | $1.25 |
| Basic EPS | $4.45 | $3.14 | $2.11 | $1.28 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $4,747,000 | $4,620,000 | $3,946,000 | $2,555,000 |
| Diluted Average Shares | $17,477,207 | $17,133,845 | $16,877,891 | $13,754,610 |
| Basic Average Shares | $13,841,230 | $13,656,859 | $13,583,553 | $13,465,196 |
| Diluted NI Availto Com Stockholders | $61,541,000 | $42,922,000 | $28,665,000 | $17,241,000 |
| Preferred Stock Dividends | $4,750,000 | $4,749,000 | $4,736,000 | $1,418,000 |
| Tax Provision | $16,454,000 | $13,680,000 | $8,211,000 | $4,509,000 |
| Gain On Sale Of Security | $-610,000 | $-4,000 | $482,000 | $0 |
| Selling General And Administration | $79,333,000 | $66,823,000 | $64,844,000 | $58,422,000 |
| Salaries And Wages | $77,189,000 | $65,116,000 | $62,217,000 | $56,510,000 |
| Occupancy And Equipment | $15,892,000 | $15,977,000 | $13,660,000 | $9,538,000 |
| Total Unusual Items | - | - | $0 | $-350,000 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $-350,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $512,347,000 | $441,878,000 | $392,971,000 | $362,615,000 |
| Total Assets | $5,340,759,000 | $4,942,446,000 | $4,396,074,000 | $3,773,148,000 |
| Goodwill And Other Intangible Assets | $18,680,000 | $18,841,000 | $19,003,000 | $19,165,000 |
| Receivables | $29,236,000 | $25,820,000 | $23,120,000 | $18,340,000 |
| Accounts Receivable | $29,236,000 | $25,820,000 | $23,120,000 | $18,340,000 |
| Cash And Cash Equivalents | $175,469,000 | $371,513,000 | $296,926,000 | $329,864,000 |
| Cash Financial | $175,202,000 | $371,157,000 | $296,926,000 | $329,864,000 |
| Cash Cash Equivalents And Federal Funds Sold | $181,496,000 | $421,558,000 | $411,845,000 | $332,014,000 |
| Other Intangible Assets | - | - | $969,000 | $1,131,000 |
| Debt | ||||
| Total Debt | $136,970,000 | $132,534,000 | $141,708,000 | $129,432,000 |
| Long Term Debt And Capital Lease Obligation | $99,095,000 | $101,659,000 | $102,833,000 | $98,557,000 |
| Long Term Debt | $80,965,000 | $80,759,000 | $80,553,000 | $80,348,000 |
| Current Debt And Capital Lease Obligation | $37,875,000 | $30,875,000 | $38,875,000 | $30,875,000 |
| Current Debt | $37,875,000 | $30,875,000 | $38,875,000 | $30,875,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,809,732,000 | $4,481,727,000 | $3,984,100,000 | $3,391,368,000 |
| Derivative Product Liabilities | $3,142,000 | $8,660,000 | $10,687,000 | $9,221,000 |
| Payables And Accrued Expenses | $5,957,000 | $6,281,000 | $4,794,000 | $2,545,000 |
| Payables | $5,957,000 | $6,281,000 | $4,794,000 | $2,545,000 |
| Accounts Payable | $5,957,000 | $6,281,000 | $4,794,000 | $2,545,000 |
| Equity | ||||
| Common Stock Equity | $530,958,000 | $460,650,000 | $411,905,000 | $381,711,000 |
| Preferred Stock Equity | $69,000 | $69,000 | $69,000 | $69,000 |
| Total Equity Gross Minority Interest | $531,027,000 | $460,719,000 | $411,974,000 | $381,780,000 |
| Stockholders Equity | $531,027,000 | $460,719,000 | $411,974,000 | $381,780,000 |
| Gains Losses Not Affecting Retained Earnings | $10,920,000 | $4,508,000 | $933,000 | $-2,103,000 |
| Other Equity Adjustments | $10,920,000 | $4,508,000 | $933,000 | $-2,103,000 |
| Retained Earnings | $183,238,000 | $121,697,000 | $78,775,000 | $53,270,000 |
| Other | ||||
| Treasury Shares Number | $78,462 | $78,462 | $78,462 | $78,462 |
| Ordinary Shares Number | $13,891,055 | $13,769,780 | $13,604,665 | $13,531,736 |
| Share Issued | $13,969,517 | $13,848,242 | $13,683,127 | $13,610,198 |
| Tangible Book Value | $512,278,000 | $441,809,000 | $392,902,000 | $362,546,000 |
| Invested Capital | $649,798,000 | $572,284,000 | $531,333,000 | $492,934,000 |
| Capital Lease Obligations | $18,130,000 | $20,900,000 | $22,280,000 | $18,209,000 |
| Total Capitalization | $611,992,000 | $541,478,000 | $492,527,000 | $462,128,000 |
| Treasury Stock | $1,099,000 | $1,099,000 | $1,099,000 | $1,099,000 |
| Additional Paid In Capital | $323,929,000 | $321,696,000 | $319,613,000 | $318,033,000 |
| Capital Stock | $14,039,000 | $13,917,000 | $13,752,000 | $13,679,000 |
| Common Stock | $13,970,000 | $13,848,000 | $13,683,000 | $13,610,000 |
| Preferred Stock | $69,000 | $69,000 | $69,000 | $69,000 |
| Long Term Capital Lease Obligation | $18,130,000 | $20,900,000 | $22,280,000 | $18,209,000 |
| Line Of Credit | $37,875,000 | $30,875,000 | $38,875,000 | $30,875,000 |
| Investments And Advances | $575,200,000 | $384,025,000 | $178,087,000 | $176,067,000 |
| Held To Maturity Securities | $192,008,000 | $0 | - | - |
| Available For Sale Securities | $159,280,000 | - | - | - |
| Net PPE | $41,855,000 | $46,093,000 | $49,993,000 | $46,534,000 |
| Accumulated Depreciation | $-21,751,000 | $-18,057,000 | $-13,967,000 | $-10,489,000 |
| Gross PPE | $63,606,000 | $64,150,000 | $63,960,000 | $57,023,000 |
| Leases | $14,513,000 | $13,834,000 | $11,678,000 | $9,761,000 |
| Construction In Progress | $172,000 | $0 | $2,303,000 | $1,964,000 |
| Other Properties | $24,695,000 | $27,147,000 | $27,716,000 | $23,629,000 |
| Machinery Furniture Equipment | $5,979,000 | $5,451,000 | $4,666,000 | $4,170,000 |
| Buildings And Improvements | $14,353,000 | $13,824,000 | $13,703,000 | $13,605,000 |
| Land And Improvements | $3,894,000 | $3,894,000 | $3,894,000 | $3,894,000 |
| Other Short Term Investments | $223,912,000 | $384,025,000 | $178,087,000 | $176,067,000 |
| Goodwill | - | - | $18,034,000 | $18,034,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $48,156,000 | $33,370,000 | $35,638,000 | $9,602,000 |
| Operating Activities | ||||
| Operating Cash Flow | $50,837,000 | $35,136,000 | $39,075,000 | $21,791,000 |
| Cash Flow From Continuing Operating Activities | $50,837,000 | $35,136,000 | $39,075,000 | $21,791,000 |
| Operating Gains Losses | $-2,078,000 | $-3,278,000 | $-2,282,000 | $-1,343,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,681,000 | $-1,766,000 | $-3,437,000 | $-12,189,000 |
| Investing Cash Flow | $-610,197,000 | $-520,929,000 | $-529,535,000 | $-1,239,530,000 |
| Cash Flow From Continuing Investing Activities | $-610,197,000 | $-520,929,000 | $-529,535,000 | $-1,239,530,000 |
| Net Other Investing Changes | $-4,344,000 | - | $-3,000,000 | $-32,921,000 |
| Financing Activities | ||||
| Financing Cash Flow | $319,387,000 | $495,150,000 | $570,291,000 | $1,222,728,000 |
| Cash Flow From Continuing Financing Activities | $319,387,000 | $495,150,000 | $570,291,000 | $1,222,728,000 |
| Net Other Financing Charges | $-32,000 | $-107,000 | $-22,000 | - |
| Cash Dividends Paid | $-4,750,000 | $-4,749,000 | $-4,736,000 | $-221,000 |
| Preferred Stock Dividend Paid | $-4,750,000 | $-4,749,000 | $-4,736,000 | $-221,000 |
| Issuance Of Capital Stock | - | $0 | $0 | $66,225,000 |
| Net Preferred Stock Issuance | - | $0 | $0 | $66,225,000 |
| Preferred Stock Issuance | - | $0 | $0 | $66,225,000 |
| Repurchase Of Capital Stock | - | - | $0 | $0 |
| Net Common Stock Issuance | - | - | $0 | $0 |
| Common Stock Issuance | - | - | $0 | $0 |
| Other | ||||
| Interest Paid Supplemental Data | $159,137,000 | $166,111,000 | $124,770,000 | $35,384,000 |
| Income Tax Paid Supplemental Data | $22,821,000 | $15,782,000 | $8,567,000 | $7,065,000 |
| End Cash Position | $181,229,000 | $421,202,000 | $411,845,000 | $332,014,000 |
| Beginning Cash Position | $421,202,000 | $411,845,000 | $332,014,000 | $327,025,000 |
| Changes In Cash | $-239,973,000 | $9,357,000 | $79,831,000 | $4,989,000 |
| Proceeds From Stock Option Exercised | $779,000 | $656,000 | $47,000 | $1,528,000 |
| Net Issuance Payments Of Debt | $7,000,000 | $-8,000,000 | $8,000,000 | $60,069,000 |
| Net Short Term Debt Issuance | $7,000,000 | $-8,000,000 | $8,000,000 | $29,875,000 |
| Net Investment Purchase And Sale | $-180,723,000 | $-196,552,000 | $4,502,000 | $-161,930,000 |
| Sale Of Investment | $5,245,374,000 | $4,081,617,000 | $3,122,491,000 | $2,005,185,000 |
| Purchase Of Investment | $-5,426,097,000 | $-4,278,169,000 | $-3,117,989,000 | $-2,167,115,000 |
| Net PPE Purchase And Sale | $-2,681,000 | $-1,766,000 | $-3,437,000 | $-10,863,000 |
| Purchase Of PPE | $-2,681,000 | $-1,766,000 | $-3,437,000 | $-12,189,000 |
| Change In Working Capital | $-8,298,000 | $-7,143,000 | $5,188,000 | $-5,153,000 |
| Change In Payables And Accrued Expense | $12,355,000 | $504,000 | $9,576,000 | $7,554,000 |
| Change In Payable | $12,355,000 | $504,000 | $9,576,000 | $7,554,000 |
| Change In Account Payable | $12,355,000 | $504,000 | $9,576,000 | $7,554,000 |
| Change In Receivables | $-20,653,000 | $-7,647,000 | $-4,388,000 | $-12,707,000 |
| Changes In Account Receivables | $-20,653,000 | $-7,647,000 | $-4,388,000 | $-12,707,000 |
| Other Non Cash Items | $-2,990,000 | $-2,284,000 | $-1,620,000 | $-2,664,000 |
| Stock Based Compensation | $1,608,000 | $1,699,000 | $1,628,000 | $1,275,000 |
| Asset Impairment Charge | $-210,000 | $57,000 | $0 | $0 |
| Deferred Tax | $3,290,000 | $-3,169,000 | $-2,891,000 | $-1,250,000 |
| Deferred Income Tax | $3,290,000 | $-3,169,000 | $-2,891,000 | $-1,250,000 |
| Depreciation Amortization Depletion | $4,747,000 | $4,620,000 | $3,946,000 | $2,555,000 |
| Depreciation And Amortization | $4,747,000 | $4,620,000 | $3,946,000 | $2,555,000 |
| Gain Loss On Investment Securities | $610,000 | $4,000 | $-482,000 | $0 |
| Net Income From Continuing Operations | $66,291,000 | $47,671,000 | $33,401,000 | $18,659,000 |
| Repayment Of Debt | - | $0 | $0 | $-50,000,000 |
| Issuance Of Debt | - | $0 | $0 | $80,194,000 |
| Net Long Term Debt Issuance | - | $0 | $0 | $30,194,000 |
| Long Term Debt Payments | - | $0 | $0 | $-50,000,000 |
| Long Term Debt Issuance | - | $0 | $0 | $80,194,000 |
| Sale Of PPE | - | $0 | $0 | $1,326,000 |
| Common Stock Payments | - | - | $0 | $0 |
| Depreciation | - | - | $-465,000 | $-479,000 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Sale Of Business | - | - | - | $0 |
| Gain Loss On Sale Of PPE | - | - | - | $0 |
Fetched: 2026-06-17