TCBX
Third Coast Bancshares, Inc.
Banks - Regional
Market Cap$555M
5Y Perf.+49.6%
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SBSI
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Stock Comparison
TCBX vs SBSI
Revenue, margins, valuation, and 5-year total return — side by side.
SBSI
Southside Bancshares, Inc.
Banks - Regional
Market Cap$1.02B
5Y Perf.-15.5%
TCBX vs SBSI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  TCBX |  SBSI |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $555M | $1.02B |
| Revenue (TTM) | $367M | $450M |
| Net Income (TTM) | $66M | $71M |
| Gross Margin | 55.3% | 49.2% |
| Operating Margin | 23.2% | 18.8% |
| Forward P/E | 10.3x | 10.1x |
| Total Debt | $137M | $734M |
| Cash & Equiv. | $175M | $384M |
TCBX vs SBSI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TCBX
SBSI
| Stock | Nov 21 | Jun 26 | Return |
|---|---|---|---|
| Third Coast Bancsha… (TCBX) | 100 | 149.6 | +49.6% |
| Southside Bancshare… (SBSI) | 100 | 84.5 | -15.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TCBX vs SBSI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TCBX leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Southside Bancshares, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
🥇TCBX emerged as the overall leader. Track its performance:
TCBX
Third Coast Bancshares, Inc.
The Banking Pick
TCBX carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 8.5%, EPS growth 36.3%
- 196.7% 10Y total return vs SBSI's 62.6%
- NIM 3.7% vs SBSI's 2.6%
Best for: growth exposure and long-term compounding
SBSI
Southside Bancshares, Inc.
The Banking Pick
SBSI is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.78, yield 4.2%
- Lower volatility, beta 0.78, Low D/E 86.6%, current ratio 0.23x
- Beta 0.78, yield 4.2%, current ratio 0.23x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  TCBX | 8.5% NII/revenue growth vs SBSI's -8.1% |
| Value |  SBSI | Lower P/E (10.1x vs 10.3x) |
| Quality / Margins | TCBX | Efficiency ratio 0.3% vs SBSI's 0.4% (lower = leaner) |
| Stability / Safety | SBSI | Beta 0.78 vs TCBX's 0.83 |
| Dividends | SBSI | 4.2% yield, vs TCBX's 0.7% |
| Momentum (1Y) | TCBX | +29.7% vs SBSI's +25.3% |
| Efficiency (ROA) | TCBX | Efficiency ratio 0.3% vs SBSI's 0.4% |
TCBX vs SBSI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTCBXLAGGINGSBSI
SBSISouthside Bancshares,…
2leads
TCBXThird Coast Bancshare…
4leads
6 Total Categories
CATEGORYLEADERvs SBSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TCBX5/5
Valuation MetricsMultiples, price ratios, and targets
TCBX4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TCBX8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
TCBX5/6
Risk & VolatilityBeta, volatility, and downside exposure
SBSI2/2
Analyst OutlookRatings, price targets, and dividends
SBSI1/1
Income & Cash Flow (Last 12 Months)
TCBX leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SBSI and TCBX operate at a comparable scale, with $450M and $367M in trailing revenue. Profitability is closely matched — net margins range from 18.1% (TCBX) to 15.8% (SBSI).
| Metric | TCBXThird Coast Bancs… | SBSISouthside Bancsha… |
|---|---|---|
| RevenueTrailing 12 months | $367M | $450M |
| EBITDAEarnings before interest/tax | $90M | $131M |
| Net IncomeAfter-tax profit | $66M | $71M |
| Free Cash FlowCash after capex | $48M | $52M |
| Gross MarginGross profit ÷ Revenue | +55.3% | +49.2% |
| Operating MarginEBIT ÷ Revenue | +23.2% | +18.8% |
| Net MarginNet income ÷ Revenue | +18.1% | +15.8% |
| FCF MarginFCF ÷ Revenue | +13.1% | +11.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +41.7% | +9.9% |
TCBX leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
TCBX leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 10.6x trailing earnings, TCBX trades at a 30% valuation discount to SBSI's 15.0x P/E. On an enterprise value basis, TCBX's 5.7x EV/EBITDA is more attractive than SBSI's 16.6x.
| Metric | TCBXThird Coast Bancs… | SBSISouthside Bancsha… |
|---|---|---|
| Market CapShares × price | $555M | $1.0B |
| Enterprise ValueMkt cap + debt − cash | $516M | $1.4B |
| Trailing P/EPrice ÷ TTM EPS | 10.58x | 15.03x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.27x | 10.15x |
| PEG RatioP/E ÷ EPS growth rate | 0.72x | — |
| EV / EBITDAEnterprise value multiple | 5.73x | 16.59x |
| Price / SalesMarket cap ÷ Revenue | 1.51x | 2.44x |
| Price / BookPrice ÷ Book value/share | 1.24x | 1.23x |
| Price / FCFMarket cap ÷ FCF | 11.52x | 13.94x |
TCBX leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
TCBX leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
TCBX delivers a 13.1% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $8 for SBSI. TCBX carries lower financial leverage with a 0.26x debt-to-equity ratio, signaling a more conservative balance sheet compared to SBSI's 0.87x.
| Metric | TCBXThird Coast Bancs… | SBSISouthside Bancsha… |
|---|---|---|
| ROE (TTM)Return on equity | +13.1% | +8.5% |
| ROA (TTM)Return on assets | +1.3% | +0.8% |
| ROICReturn on invested capital | +10.1% | +3.7% |
| ROCEReturn on capital employed | +13.4% | +5.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.26x | 0.87x |
| Net DebtTotal debt minus cash | -$38M | $350M |
| Cash & Equiv.Liquid assets | $175M | $384M |
| Total DebtShort + long-term debt | $137M | $734M |
| Interest CoverageEBIT ÷ Interest expense | 0.54x | 0.47x |
TCBX leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
TCBX leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TCBX five years ago would be worth $29,672 today (with dividends reinvested), compared to $9,976 for SBSI. Over the past 12 months, TCBX leads with a +29.7% total return vs SBSI's +25.3%. The 3-year compound annual growth rate (CAGR) favors TCBX at 32.8% vs SBSI's 11.3% — a key indicator of consistent wealth creation.
| Metric | TCBXThird Coast Bancs… | SBSISouthside Bancsha… |
|---|---|---|
| YTD ReturnYear-to-date | +7.1% | +15.4% |
| 1-Year ReturnPast 12 months | +29.7% | +25.3% |
| 3-Year ReturnCumulative with dividends | +134.1% | +37.9% |
| 5-Year ReturnCumulative with dividends | +196.7% | -0.2% |
| 10-Year ReturnCumulative with dividends | +196.7% | +62.6% |
| CAGR (3Y)Annualised 3-year return | +32.8% | +11.3% |
TCBX leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
SBSI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SBSI is the less volatile stock with a 0.78 beta — it tends to amplify market swings less than TCBX's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SBSI currently trades 99.8% from its 52-week high vs TCBX's 91.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | TCBXThird Coast Bancs… | SBSISouthside Bancsha… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.83x | 0.78x |
| 52-Week HighHighest price in past year | $43.84 | $34.51 |
| 52-Week LowLowest price in past year | $29.66 | $26.32 |
| % of 52W HighCurrent price vs 52-week peak | +91.4% | +99.8% |
| RSI (14)Momentum oscillator 0–100 | 57.5 | 61.0 |
| Avg Volume (50D)Average daily shares traded | 84K | 80K |
SBSI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
SBSI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates TCBX as "Buy" and SBSI as "Hold". Consensus price targets imply 12.3% upside for TCBX (target: $45) vs 1.7% for SBSI (target: $35). For income investors, SBSI offers the higher dividend yield at 4.17% vs TCBX's 0.72%.
| Metric | TCBXThird Coast Bancs… | SBSISouthside Bancsha… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $45.00 | $35.00 |
| # AnalystsCovering analysts | 5 | 8 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +4.2% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.29 | $1.43 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.3% |
SBSI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
TCBX leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). SBSI leads in 2 (Risk & Volatility, Analyst Outlook).
Best OverallThird Coast Bancshares, Inc. (TCBX)Leads 4 of 6 categories
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TCBX vs SBSI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TCBX or SBSI a better buy right now?
For growth investors, Third Coast Bancshares, Inc.
(TCBX) is the stronger pick with 8. 5% revenue growth year-over-year, versus -8. 1% for Southside Bancshares, Inc. (SBSI). Third Coast Bancshares, Inc. (TCBX) offers the better valuation at 10. 6x trailing P/E (10. 3x forward), making it the more compelling value choice. Analysts rate Third Coast Bancshares, Inc. (TCBX) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — TCBX or SBSI?
On trailing P/E, Third Coast Bancshares, Inc.
(TCBX) is the cheapest at 10. 6x versus Southside Bancshares, Inc. at 15. 0x. On forward P/E, Southside Bancshares, Inc. is actually cheaper at 10. 1x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — TCBX or SBSI?
Over the past 5 years, Third Coast Bancshares, Inc.
(TCBX) delivered a total return of +196. 7%, compared to -0. 2% for Southside Bancshares, Inc. (SBSI). Over 10 years, the gap is even starker: TCBX returned +196. 7% versus SBSI's +62. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TCBX or SBSI?
By beta (market sensitivity over 5 years), Southside Bancshares, Inc.
(SBSI) is the lower-risk stock at 0. 78β versus Third Coast Bancshares, Inc. 's 0. 83β — meaning TCBX is approximately 7% more volatile than SBSI relative to the S&P 500. On balance sheet safety, Third Coast Bancshares, Inc. (TCBX) carries a lower debt/equity ratio of 26% versus 87% for Southside Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — TCBX or SBSI?
By revenue growth (latest reported year), Third Coast Bancshares, Inc.
(TCBX) is pulling ahead at 8. 5% versus -8. 1% for Southside Bancshares, Inc. (SBSI). On earnings-per-share growth, the picture is similar: Third Coast Bancshares, Inc. grew EPS 36. 3% year-over-year, compared to -21. 6% for Southside Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — TCBX or SBSI?
Third Coast Bancshares, Inc.
(TCBX) is the more profitable company, earning 18. 1% net margin versus 16. 5% for Southside Bancshares, Inc. — meaning it keeps 18. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TCBX leads at 23. 2% versus 19. 7% for SBSI. At the gross margin level — before operating expenses — SBSI leads at 55. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is TCBX or SBSI more undervalued right now?
On forward earnings alone, Southside Bancshares, Inc.
(SBSI) trades at 10. 1x forward P/E versus 10. 3x for Third Coast Bancshares, Inc. — 0. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TCBX: 12. 3% to $45. 00.
08Which pays a better dividend — TCBX or SBSI?
All stocks in this comparison pay dividends.
Southside Bancshares, Inc. (SBSI) offers the highest yield at 4. 2%, versus 0. 7% for Third Coast Bancshares, Inc. (TCBX).
09Is TCBX or SBSI better for a retirement portfolio?
For long-horizon retirement investors, Third Coast Bancshares, Inc.
(TCBX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 0. 7% yield, +196. 7% 10Y return). Both have compounded well over 10 years (TCBX: +196. 7%, SBSI: +62. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between TCBX and SBSI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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