TCBX
Third Coast Bancshares, Inc.
Banks - Regional
Market Cap$555M
5Y Perf.+49.6%
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Side-by-side financial analysisTCBX
SFNC
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Stock Comparison
TCBX vs SFNC
Revenue, margins, valuation, and 5-year total return — side by side.
SFNC
Simmons First National Corporation
Banks - Regional
Market Cap$3.27B
5Y Perf.-22.7%
TCBX vs SFNC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  TCBX |  SFNC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $555M | $3.27B |
| Revenue (TTM) | $367M | $618M |
| Net Income (TTM) | $66M | $-398M |
| Gross Margin | 55.3% | 4.5% |
| Operating Margin | 23.2% | -85.4% |
| Forward P/E | 10.3x | 10.9x |
| Total Debt | $137M | $641M |
| Cash & Equiv. | $175M | $380M |
TCBX vs SFNC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TCBX
SFNC
| Stock | Nov 21 | Jun 26 | Return |
|---|---|---|---|
| Third Coast Bancsha… (TCBX) | 100 | 149.6 | +49.6% |
| Simmons First Natio… (SFNC) | 100 | 77.3 | -22.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TCBX vs SFNC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TCBX leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Simmons First National Corporation is the stronger pick specifically for dividend income and shareholder returns. 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 SFNC's 26.2%
- Lower volatility, beta 0.83, Low D/E 25.8%, current ratio 0.09x
Best for: growth exposure and long-term compounding
SFNC
Simmons First National Corporation
The Banking Pick
SFNC is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 14 yrs, beta 0.89, yield 3.8%
- Beta 0.89, yield 3.8%, current ratio 0.86x
- 3.8% yield, 14-year raise streak, vs TCBX's 0.7%
Best for: income & stability and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  TCBX | 8.5% NII/revenue growth vs SFNC's -56.7% |
| Value | TCBX | Lower P/E (10.3x vs 10.9x) |
| Quality / Margins | TCBX | Efficiency ratio 0.3% vs SFNC's 0.9% (lower = leaner) |
| Stability / Safety | TCBX | Beta 0.83 vs SFNC's 0.89 |
| Dividends |  SFNC | 3.8% yield, 14-year raise streak, vs TCBX's 0.7% |
| Momentum (1Y) | TCBX | +29.7% vs SFNC's +23.0% |
| Efficiency (ROA) | TCBX | Efficiency ratio 0.3% vs SFNC's 0.9% |
TCBX vs SFNC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
TCBX vs SFNC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTCBXLAGGINGSFNC
SFNCSimmons First Nationa…
2leads
TCBXThird Coast Bancshare…
3leads
6 Total Categories
CATEGORYLEADERvs SFNCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TCBX3/5
Valuation MetricsMultiples, price ratios, and targets
SFNC3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TCBX8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
TCBX5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
SFNC2/2
Income & Cash Flow (Last 12 Months)
TCBX leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SFNC is the larger business by revenue, generating $618M annually — 1.7x TCBX's $367M. TCBX is the more profitable business, keeping 18.1% of every revenue dollar as net income compared to SFNC's -64.3%.
| Metric | TCBXThird Coast Bancs… | SFNCSimmons First Nat… |
|---|---|---|
| RevenueTrailing 12 months | $367M | $618M |
| EBITDAEarnings before interest/tax | $90M | -$444M |
| Net IncomeAfter-tax profit | $66M | -$398M |
| Free Cash FlowCash after capex | $48M | $410M |
| Gross MarginGross profit ÷ Revenue | +55.3% | +4.5% |
| Operating MarginEBIT ÷ Revenue | +23.2% | -85.4% |
| Net MarginNet income ÷ Revenue | +18.1% | -64.3% |
| FCF MarginFCF ÷ Revenue | +13.1% | +66.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +41.7% | +42.1% |
TCBX leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
SFNC leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
| Metric | TCBXThird Coast Bancs… | SFNCSimmons First Nat… |
|---|---|---|
| Market CapShares × price | $555M | $3.3B |
| Enterprise ValueMkt cap + debt − cash | $516M | $3.5B |
| Trailing P/EPrice ÷ TTM EPS | 10.58x | -7.63x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.27x | 10.90x |
| PEG RatioP/E ÷ EPS growth rate | 0.72x | — |
| EV / EBITDAEnterprise value multiple | 5.73x | — |
| Price / SalesMarket cap ÷ Revenue | 1.51x | 5.21x |
| Price / BookPrice ÷ Book value/share | 1.24x | 0.89x |
| Price / FCFMarket cap ÷ FCF | 11.52x | 7.73x |
SFNC leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
TCBX leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
TCBX delivers a 13.1% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $-11 for SFNC. SFNC carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to TCBX's 0.26x. On the Piotroski fundamental quality scale (0–9), TCBX scores 7/9 vs SFNC's 4/9, reflecting strong financial health.
| Metric | TCBXThird Coast Bancs… | SFNCSimmons First Nat… |
|---|---|---|
| ROE (TTM)Return on equity | +13.1% | -11.5% |
| ROA (TTM)Return on assets | +1.3% | -1.6% |
| ROICReturn on invested capital | +10.1% | -9.1% |
| ROCEReturn on capital employed | +13.4% | -4.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 4 |
| Debt / EquityFinancial leverage | 0.26x | 0.19x |
| Net DebtTotal debt minus cash | -$38M | $261M |
| Cash & Equiv.Liquid assets | $175M | $380M |
| Total DebtShort + long-term debt | $137M | $641M |
| Interest CoverageEBIT ÷ Interest expense | 0.54x | -1.01x |
TCBX leads this category, winning 8 of 9 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 $8,847 for SFNC. Over the past 12 months, TCBX leads with a +29.7% total return vs SFNC's +23.0%. The 3-year compound annual growth rate (CAGR) favors TCBX at 32.8% vs SFNC's 11.1% — a key indicator of consistent wealth creation.
| Metric | TCBXThird Coast Bancs… | SFNCSimmons First Nat… |
|---|---|---|
| YTD ReturnYear-to-date | +7.1% | +20.7% |
| 1-Year ReturnPast 12 months | +29.7% | +23.0% |
| 3-Year ReturnCumulative with dividends | +134.1% | +37.1% |
| 5-Year ReturnCumulative with dividends | +196.7% | -11.5% |
| 10-Year ReturnCumulative with dividends | +196.7% | +26.2% |
| CAGR (3Y)Annualised 3-year return | +32.8% | +11.1% |
TCBX leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — TCBX and SFNC each lead in 1 of 2 comparable metrics.
Risk & Volatility
TCBX is the less volatile stock with a 0.83 beta — it tends to amplify market swings less than SFNC's 0.89 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SFNC currently trades 99.5% 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… | SFNCSimmons First Nat… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.83x | 0.89x |
| 52-Week HighHighest price in past year | $43.84 | $22.62 |
| 52-Week LowLowest price in past year | $29.66 | $17.00 |
| % of 52W HighCurrent price vs 52-week peak | +91.4% | +99.5% |
| RSI (14)Momentum oscillator 0–100 | 57.5 | 63.7 |
| Avg Volume (50D)Average daily shares traded | 84K | 1.1M |
Evenly matched — TCBX and SFNC each lead in 1 of 2 comparable metrics.
Analyst Outlook
SFNC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates TCBX as "Buy" and SFNC as "Buy". Consensus price targets imply 12.3% upside for TCBX (target: $45) vs 2.2% for SFNC (target: $23). For income investors, SFNC offers the higher dividend yield at 3.79% vs TCBX's 0.72%.
| Metric | TCBXThird Coast Bancs… | SFNCSimmons First Nat… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $45.00 | $23.00 |
| # AnalystsCovering analysts | 5 | 9 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +3.8% |
| Dividend StreakConsecutive years of raises | 0 | 14 |
| Dividend / ShareAnnual DPS | $0.29 | $0.85 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
SFNC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
TCBX leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). SFNC leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
Best OverallThird Coast Bancshares, Inc. (TCBX)Leads 3 of 6 categories
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TCBX vs SFNC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TCBX or SFNC 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 -56. 7% for Simmons First National Corporation (SFNC). 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 SFNC?
On forward P/E, Third Coast Bancshares, Inc.
is actually cheaper at 10. 3x.
03Which is the better long-term investment — TCBX or SFNC?
Over the past 5 years, Third Coast Bancshares, Inc.
(TCBX) delivered a total return of +196. 7%, compared to -11. 5% for Simmons First National Corporation (SFNC). Over 10 years, the gap is even starker: TCBX returned +196. 7% versus SFNC's +26. 2%. 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 SFNC?
By beta (market sensitivity over 5 years), Third Coast Bancshares, Inc.
(TCBX) is the lower-risk stock at 0. 83β versus Simmons First National Corporation's 0. 89β — meaning SFNC is approximately 7% more volatile than TCBX relative to the S&P 500. On balance sheet safety, Simmons First National Corporation (SFNC) carries a lower debt/equity ratio of 19% versus 26% for Third Coast Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — TCBX or SFNC?
By revenue growth (latest reported year), Third Coast Bancshares, Inc.
(TCBX) is pulling ahead at 8. 5% versus -56. 7% for Simmons First National Corporation (SFNC). On earnings-per-share growth, the picture is similar: Third Coast Bancshares, Inc. grew EPS 36. 3% year-over-year, compared to -343. 8% for Simmons First National Corporation. 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 SFNC?
Third Coast Bancshares, Inc.
(TCBX) is the more profitable company, earning 18. 1% net margin versus -63. 4% for Simmons First National Corporation — 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 -84. 2% for SFNC. At the gross margin level — before operating expenses — TCBX leads at 55. 3%, 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 SFNC more undervalued right now?
On forward earnings alone, Third Coast Bancshares, Inc.
(TCBX) trades at 10. 3x forward P/E versus 10. 9x for Simmons First National Corporation — 0. 6x 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 SFNC?
All stocks in this comparison pay dividends.
Simmons First National Corporation (SFNC) offers the highest yield at 3. 8%, versus 0. 7% for Third Coast Bancshares, Inc. (TCBX).
09Is TCBX or SFNC 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%, SFNC: +26. 2%), 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 SFNC?
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.
In terms of investment character: TCBX is a small-cap deep-value stock; SFNC is a small-cap income-oriented stock. 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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