Third Coast Bancshares (TCBX) Stock Price, News & Analysis

Company Overview

Third Coast Bancshares, Inc., headquartered in Houston, Texas, is a bank holding company and the parent of Third Coast Bank, a Texas-chartered commercial bank founded in 2016. Since its inception, the company has focused on delivering relationship-driven banking solutions tailored to small and mid-sized companies, professional service firms and not-for-profit organizations. The bank operates under a community banking model, combining local market expertise with a client-centric approach to address the evolving needs of its customers.

The company’s core offerings include a comprehensive range of deposit and lending products. Third Coast Bancshares provides business and personal checking accounts, savings and money market offerings, and certificates of deposit. Commercial lending solutions cover real estate financing, construction and development loans, equipment loans and leases, working capital lines of credit, and government-guaranteed small business loans. Additional services include treasury and cash management, merchant card services and robust digital banking platforms designed to streamline financial operations.

Third Coast Bancshares primarily serves clients in Texas, operating branch and lending offices in Houston, Dallas–Fort Worth, Austin and San Antonio. The company has established deep community ties through targeted lending to industries such as healthcare, energy, professional services and real estate development. This regional focus enables the bank to leverage in-market knowledge and maintain close engagement with customers, local businesses and community organizations.

Governed by a board of directors and supported by an executive management team with decades of industry experience, Third Coast Bancshares emphasizes prudent risk management and customer-centric growth. The leadership’s collective background spans commercial banking, financial operations and regulatory compliance, positioning the company to capitalize on organic expansion opportunities and strengthen its role as a trusted partner in the Texas banking landscape.

Key Stats

• Today's Range: $34.81 to $35.46
• 50-Day Range: $29.69 to $35.42
• 52-Week Range: $20.15 to $39.45
• Volume: 64,245 shs
• Average Volume: 66,841 shs
• Market Capitalization: $489.86 million
• P/E Ratio: 12.05
• Dividend Yield: N/A
• Price Target: $35.00
• Consensus Rating: Hold

Third Coast Bancshares Stock Analysis - MarketRank™

Third Coast Bancshares scored higher than 36% of companies evaluated by MarketBeat, and ranked 745th out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.1 / 5
• Analyst Rating: Hold

Consensus Rating

Third Coast Bancshares has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 1 buy rating, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Third Coast Bancshares has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.00%

Earnings Growth

Earnings for Third Coast Bancshares are expected to grow by 10.00% in the coming year, from $3.10 to $3.41 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Third Coast Bancshares is 12.05, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Third Coast Bancshares is 12.05, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

Third Coast Bancshares has a P/B Ratio of 1.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.68% of the float of Third Coast Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Third Coast Bancshares has a short interest ratio ("days to cover") of 6.1.

Change versus previous month

Short interest in Third Coast Bancshares has recently increased by 11.34%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: Weak

Dividend Yield

Third Coast Bancshares does not currently pay a dividend.

Dividend Growth

Third Coast Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Third Coast Bancshares is 573.81%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on EPS estimates, Third Coast Bancshares will have a dividend payout ratio of 494.72% in the coming year. This indicates that Third Coast Bancshares may not be able to sustain their current dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.68% of the float of Third Coast Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Third Coast Bancshares has a short interest ratio ("days to cover") of 6.1.

Change versus previous month

Short interest in Third Coast Bancshares has recently increased by 11.34%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 1.85

News Sentiment

Third Coast Bancshares has a news sentiment score of 1.85. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Third Coast Bancshares this week, compared to 2 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Third Coast Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $70,504.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

10.28% of the stock of Third Coast Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 36.88% of the stock of Third Coast Bancshares is held by institutions.

TCBX Stock Analysis - Frequently Asked Questions

How have TCBX shares performed this year?

Third Coast Bancshares' stock was trading at $33.95 at the start of the year. Since then, TCBX stock has increased by 4.3% and is now trading at $35.42.

How were Third Coast Bancshares' earnings last quarter?

Third Coast Bancshares, Inc. (NASDAQ:TCBX) issued its quarterly earnings results on Wednesday, April, 23rd. The company reported $0.78 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.70 by $0.08. The company had revenue of $45.90 million for the quarter, compared to analyst estimates of $46.02 million. Third Coast Bancshares had a net margin of 14.90% and a trailing twelve-month return on equity of 11.15%.
Read the conference call transcript.

How will Third Coast Bancshares' stock buyback program work?

Third Coast Bancshares' board approved a stock repurchase program on Tuesday, June 17th 2025, which permits the company to buy back $30,000,000 in outstanding shares, according to EventVestor. This means that the company could repurchase up to 7.3% of its stock through open market purchases. Stock buyback programs are typically an indication that the company's leadership believes its stock is undervalued.

When did Third Coast Bancshares IPO?

Third Coast Bancshares (TCBX) raised $88 million in an initial public offering on Tuesday, November 9th 2021. The company issued 3,500,000 shares at a price of $24.00-$26.00 per share.

Who are Third Coast Bancshares' major shareholders?

Top institutional shareholders of Third Coast Bancshares include Annex Advisory Services LLC (0.40%) and Wealth Enhancement Advisory Services LLC (0.08%). Insiders that own company stock include Dennis Bonnen, Richard J Mcwhorter, Vicki Alexander, Audrey Duncan, William Bobbora, Michael Deckert and Liz Eber.
View institutional ownership trends.

How do I buy shares of Third Coast Bancshares?

Shares of TCBX stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Third Coast Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Third Coast Bancshares investors own include Humana (HUM), American Water Works (AWK), Voyager Therapeutics (VYGR), Waste Connections (WCN), TotalEnergies (TTE), The RMR Group (RMR) and Southern First Bancshares (SFST).

Company Calendar

• Last Earnings: 4/23/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:TCBX
• CIK: 1781730
• Web: www.tcbssb.com
• Phone: 281-446-7000
• Fax: N/A
• Employees: 330
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Third Coast Bancshares: $35.00
• High Price Target: $39.00
• Low Price Target: $26.00
• Potential Upside/Downside: -1.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.94
• Trailing P/E Ratio: 12.05
• Forward P/E Ratio: 11.43
• P/E Growth: N/A
• Net Income: $47.67 million
• Net Margins: 14.90%
• Pretax Margin: 19.25%
• Return on Equity: 11.15%
• Return on Assets: 1.07%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $175.91 million
• Price / Sales: 2.79
• Cash Flow: $2.99 per share
• Price / Cash Flow: 11.85
• Book Value: $33.67 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 13,833,000
• Free Float: 12,411,000
• Market Cap: $489.96 million
• Optionable: Not Optionable
• Beta: 0.39