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Third Coast Bancshares, Inc.(TCBX)Earnings, Financials & Key Ratios
TCBX•NASDAQ•Banking & Credit
10.6× P/E·Price updated Jun 13, 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%
- Tangible BV/Share31.29+21.3%
- Debt/Equity0.26-10.3%
TCBX Key Insights
Third Coast Bancshares, Inc. (TCBX) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 40.5%
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 3.7%
- ✓Efficient operations: 32.1% efficiency ratio
- ✓Share count reduced 4.4% through buybacks
- ✓Trading at only 1.2x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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TCBX Price & Volume
Third Coast Bancshares, Inc. (TCBX) stock price & volume — 10-year historical chart
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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%
TTM39.06%
EPS CAGR
10 Years-
5 Years14.69%
3 Years44.74%
TTM46.59%
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
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 22, 2026EPS
$0.88
Est $0.84
+4.8%
Revenue
$58M
Est $58M
-0.5%
Q1 2026
Jan 28, 2026EPS
$0.79
Est $0.90
-12.2%
Revenue
$96M
Q1 2026
Jan 21, 2026EPS
$1.02
Est $0.90
+13.3%
Revenue
$56M
Est $53M
+6.4%
Q4 2025
Oct 22, 2025EPS
$1.03
Est $0.80
+28.7%
Revenue
$54M
Est $52M
+5.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.88vs $0.84+4.8% | $58Mvs $58M-0.5% |
| Q1 2026 | Jan 28, 2026 | $0.79vs $0.90-12.2% | $96M |
| Q1 2026 | Jan 21, 2026 | $1.02vs $0.90+13.3% | $56Mvs $53M+6.4% |
| Q4 2025 | Oct 22, 2025 | $1.03vs $0.80+28.7% | $54Mvs $52M+5.5% |
Based on last 12 quarters of dataView full earnings history →
TCBX Peer Comparison
Third Coast Bancshares, Inc. (TCBX) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FFIN | 4.83B | 33.65 | 19.01 | 11.71% | 30.71% | 14.16% | 0.01 | |
 SBSI | 1.02B | 34.43 | 15.03 | -8.12% | 15.77% | 8.49% | 0.87 | |
 TCBI | 4.49B | 101.51 | 14.93 | 13.54% | 18.34% | 9.93% | 0.26 | |
 SFNC | 3.27B | 22.51 | -7.63 | -56.66% | -64.33% | -11.48% | 0.19 | |
 HOMB | 5.58B | 28.25 | 11.72 | -5.35% | 34.59% | 11.43% | 0.22 | |
 LKFN | 1.61B | 61.83 | 15.42 | -1.93% | 24.51% | 14.19% | 0.24 | |
 BANR | 2.28B | 67.24 | 11.92 | -0.95% | 23.84% | 10.34% | 0.19 | |
 CVBF | 2.88B | 21.23 | 13.97 | -2.33% | 32.48% | 9.25% | 0.43 |
Compare TCBX vs Peers
Third Coast Bancshares, Inc. (TCBX) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TCBX Income Statement
Third Coast Bancshares, Inc. (TCBX) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
Net Interest Income | 33.95M | 67.88M | 90.55M | 116.45M | 139.53M | 160.76M | 195.22M |
NII Growth % | - | 99.94% | 33.4% | 28.6% | 19.81% | 15.22% | 21.44% |
Net Interest Margin % | 3.66% | 3.64% | 3.62% | 3.09% | 3.17% | 3.25% | 3.66% |
Interest Income | 49.92M | 82.24M | 100.61M | 153.95M | 266.54M | 328.36M | 354.03M |
Interest Expense | 15.97M | 14.36M | 10.06M | 37.49M | 127.02M | 167.6M | 158.81M |
Loan Loss Provision | 1.63M | 7.55M | 9.92M | 12.2M | 6.32M | 5.7M | 5.34M |
Non-Interest Income | 360K | 1.31M | 2.57M | 6.24M | 7.53M | 9.72M | 12.92M |
Non-Interest Income % | 0.72% | 1.57% | 2.49% | 3.89% | 2.75% | 2.87% | 3.52% |
Total Revenue | 50.28M▲ 0% | 83.55M▲ 66.2% | 103.19M▲ 23.5% | 160.18M▲ 55.2% | 274.08M▲ 71.1% | 338.07M▲ 23.4% | 366.95M▲ 8.5% |
Revenue Growth % | - | 66.16% | 23.5% | 55.24% | 71.1% | 23.35% | 8.54% |
Non-Interest Expense | 29.45M | 46.03M | 68.72M | 87.32M | 99.13M | 103.42M | 117.8M |
Efficiency Ratio | 58.57% | 55.09% | 66.6% | 54.51% | 36.17% | 30.59% | 32.1% |
Operating Income | 3.23M▲ 0% | 15.61M▲ 382.8% | 14.48M▼ 7.2% | 23.17M▲ 60.0% | 41.61M▲ 79.6% | 61.35M▲ 47.4% | 84.99M▲ 38.5% |
Operating Margin % | 6.43% | 18.68% | 14.04% | 14.46% | 15.18% | 18.15% | 23.16% |
Operating Income Growth % | - | 382.83% | -7.22% | 59.97% | 79.61% | 47.44% | 38.53% |
Pretax Income | 3.23M▲ 0% | 15.61M▲ 382.8% | 14.48M▼ 7.2% | 23.17M▲ 60.0% | 41.61M▲ 79.6% | 61.35M▲ 47.4% | 82.75M▲ 34.9% |
Pretax Margin % | 6.43% | 18.68% | 14.04% | 14.46% | 15.18% | 18.15% | 22.55% |
Income Tax | 852K | 3.49M | 3.06M | 4.51M | 8.21M | 13.68M | 16.45M |
Effective Tax Rate % | 26.35% | 22.38% | 21.12% | 19.46% | 19.73% | 22.3% | 19.89% |
Net Income | 2.38M▲ 0% | 12.12M▲ 408.8% | 11.42M▼ 5.7% | 18.66M▲ 63.3% | 33.4M▲ 79.0% | 47.67M▲ 42.7% | 66.29M▲ 39.1% |
Net Margin % | 4.74% | 14.5% | 11.07% | 11.65% | 12.19% | 14.1% | 18.07% |
Net Income Growth % | - | 408.82% | -5.7% | 63.33% | 79.01% | 42.72% | 39.06% |
Net Income (Continuing) | 2.38M | 12.12M | 11.42M | 18.66M | 33.4M | 47.67M | 66.29M |
EPS (Diluted) | 0.33▲ 0% | 1.91▲ 478.8% | 1.40▼ 26.7% | 1.25▼ 10.7% | 1.98▲ 58.4% | 2.78▲ 40.4% | 3.79▲ 36.3% |
EPS Growth % | - | 478.79% | -26.7% | -10.71% | 58.4% | 40.4% | 36.33% |
EPS (Basic) | 0.34 | 1.94 | 1.45 | 1.28 | 2.11 | 3.14 | 4.45 |
Diluted Shares Outstanding | 7.12M | 6.34M | 8.14M | 13.76M | 16.88M | 17.13M | 16.37M |
TCBX Balance Sheet
Third Coast Bancshares, Inc. (TCBX) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 96.38M | 226.99M | 353.3M | 505.93M | 475.01M | 755.54M | 399.38M |
Cash & Due from Banks | 95.85M | 201.4M | 326.86M | 329.86M | 296.93M | 371.51M | 175.47M |
Short Term Investments | 536.33K | 25.59M | 26.43M | 176.07M | 178.09M | 384.02M | 223.91M |
Total Investments | 801.02M | 1.57B | 2.08B | 3.26B | 3.79B | 4.32B | 4.93B |
Investments Growth % | - | 96.26% | 32.07% | 57.13% | 16.13% | 13.93% | 14.18% |
Long-Term Investments | 800.48M | 1.55B | 2.05B | 3.09B | 3.61B | 3.93B | 4.7B |
Accounts Receivables | 3.25M | 13.68M | 10.23M | 18.34M | 23.12M | 25.82M | 29.24M |
Goodwill & Intangibles | 0 | 19.49M | 19.33M | 19.16M | 19M | 18.84M | 18.68M |
Goodwill | 0 | 18.03M | 18.03M | 18.03M | 18.03M | 18.84M | 18.68M |
Intangible Assets | 0 | 1.45M | 1.29M | 1.13M | 969K | 0 | 0 |
PP&E (Net) | 7.7M | 15.16M | 19.05M | 46.53M | 49.99M | 46.09M | 41.85M |
Other Assets | 19.21M | 41.48M | 43.58M | 90.46M | 209.12M | 152.11M | 140.52M |
Total Current Assets | 99.64M | 240.67M | 363.52M | 524.27M | 498.13M | 781.36M | 428.62M |
Total Non-Current Assets | 828.7M | 1.63B | 2.14B | 3.25B | 3.9B | 4.16B | 4.91B |
Total Assets | 928.34M▲ 0% | 1.87B▲ 101.1% | 2.5B▲ 33.9% | 3.77B▲ 51.0% | 4.4B▲ 16.5% | 4.94B▲ 12.4% | 5.34B▲ 8.1% |
Asset Growth % | - | 101.14% | 33.85% | 50.96% | 16.51% | 12.43% | 8.06% |
Return on Assets (ROA) | 0.26% | 0.87% | 0.52% | 0.59% | 0.82% | 1.02% | 1.29% |
Accounts Payable | 1.75M | 1.22M | 437K | 2.54M | 4.79M | 6.28M | 5.96M |
Total Debt | 30.38M | 33.88M | 1M | 129.43M | 141.71M | 132.53M | 136.97M |
Net Debt | -65.47M | -167.52M | -325.86M | -200.43M | -155.22M | -238.98M | -38.5M |
Long-Term Debt | 30.38M | 33.88M | 0 | 80.35M | 80.55M | 80.76M | 80.97M |
Short-Term Debt | 0 | 0 | 1M | 30.88M | 38.88M | 30.88M | 37.88M |
Other Liabilities | 31.65M | 76.65M | 57.77M | 23.25M | 34.45M | 32.41M | 39.92M |
Total Current Liabilities | 809M | 1.64B | 2.14B | 3.27B | 3.85B | 4.35B | 4.67B |
Total Non-Current Liabilities | 62.03M | 110.53M | 57.77M | 121.8M | 137.28M | 134.07M | 139.01M |
Total Liabilities | 871.03M | 1.75B | 2.2B | 3.39B | 3.98B | 4.48B | 4.81B |
Total Equity | 57.3M▲ 0% | 121.72M▲ 112.4% | 299.01M▲ 145.7% | 381.78M▲ 27.7% | 411.97M▲ 7.9% | 460.72M▲ 11.8% | 531.03M▲ 15.3% |
Equity Growth % | - | 112.41% | 145.66% | 27.68% | 7.91% | 11.83% | 15.26% |
Equity / Assets (Capital Ratio) | 6.17% | 6.52% | 11.96% | 10.12% | 9.37% | 9.32% | 9.94% |
Return on Equity (ROE) | 4.15% | 13.53% | 5.43% | 5.48% | 8.42% | 10.93% | 13.37% |
Book Value per Share | 8.05 | 19.19 | 36.74 | 27.76 | 24.41 | 26.89 | 32.43 |
Tangible BV per Share | 8.05 | 16.12 | 34.36 | 26.36 | 23.28 | 25.79 | 31.29 |
Common Stock | 3.92M | 6.35M | 13.48M | 13.61M | 13.68M | 13.85M | 13.97M |
Additional Paid-in Capital | 41.83M | 91.46M | 249.2M | 318.03M | 319.61M | 321.7M | 323.93M |
Retained Earnings | 12.49M | 24.61M | 36.03M | 53.27M | 78.78M | 121.7M | 183.24M |
Accumulated OCI | 490 | 280K | 1.39M | -2.1M | 933K | 4.51M | 10.92M |
Treasury Stock | -940.74K | -979K | -1.1M | -1.1M | -1.1M | -1.1M | -1.1M |
Preferred Stock | 0 | 0 | 0 | 69K | 69K | 69K | 69K |
TCBX Cash Flow Statement
Third Coast Bancshares, Inc. (TCBX) cash flow — operating, investing & free cash flow history
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
Cash from Operations | 3.59M | -3.65M | 4.58M | 21.79M | 39.08M | 35.14M | 50.84M |
Operating CF Growth % | - | -201.87% | 225.45% | 375.37% | 79.32% | -10.08% | 44.69% |
Net Income | 2.38M | 12.12M | 11.42M | 18.66M | 33.4M | 47.67M | 66.29M |
Depreciation & Amortization | 869K | 78K | -270K | 2.56M | 3.95M | 4.62M | 206K |
Deferred Taxes | -418K | -1.71M | -380K | -1.25M | -2.89M | -3.17M | 3.29M |
Other Non-Cash Items | 1.41M | -4.38M | -7.93M | 5.71M | -2.2M | -8.54M | -12.26M |
Working Capital Changes | -883K | -10.04M | 1.09M | -5.15M | 5.19M | -7.14M | -8.3M |
Cash from Investing | -121.7M | -500.01M | -500.06M | -1.24B | -529.53M | -520.93M | -610.2M |
Purchase of Investments | -598.61M | -1.92B | -2B | -2.17B | -3.12B | -4.28B | -192.52M |
Sale/Maturity of Investments | 600.32M | 1.9B | 2B | 2.01B | 3.12B | 4.08B | 610K |
Net Investment Activity | 1.71M | -22.18M | -2.19M | -161.93M | 4.5M | -196.55M | -191.91M |
Acquisitions | 0 | 16.11M | 0 | 0 | 0 | 0 | 0 |
Other Investing | -120.43M | -492.58M | -492.26M | -1.07B | -530.6M | -322.61M | -418.29M |
Cash from Financing | 79.28M | 611.16M | 618.94M | 1.22B | 570.29M | 495.15M | 319.39M |
Dividends Paid | 0 | 0 | 0 | -221K | -4.74M | -4.75M | -4.75M |
Share Repurchases | -527K | -38K | -121K | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 162.55M | 1.53M | 47K | 656K | 779K |
Net Stock Activity | -527K | -38K | 162.43M | 1.53M | 47K | 656K | 779K |
Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
Other Financing | 73.31M | 567.7M | 509.39M | 1.1B | 566.98M | 507.24M | 316.36M |
Net Change in Cash | -38.83M▲ 0% | 107.5M▲ 376.8% | 123.47M▲ 14.9% | 4.99M▼ 96.0% | 79.83M▲ 1500.1% | 9.36M▼ 88.3% | -239.97M▼ 2664.6% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 134.9M | 96.06M | 203.56M | 327.02M | 332.01M | 411.85M | 421.2M |
Cash at End | 96.06M | 203.56M | 327.02M | 332.01M | 411.85M | 421.2M | 181.23M |
Interest Paid | 15.79M | 14.89M | 10.84M | 35.38M | 124.77M | 166.11M | 159.14M |
Income Taxes Paid | 990K | 2.66M | 6.22M | 7.07M | 8.57M | 15.78M | 22.82M |
Free Cash Flow | 611K▲ 0% | -5.01M▼ 919.6% | -1.04M▲ 79.3% | 9.6M▲ 1026.8% | 35.64M▲ 271.2% | 33.37M▼ 6.4% | 48.16M▲ 44.3% |
FCF Growth % | - | -919.64% | 79.31% | 1026.83% | 271.15% | -6.36% | 44.31% |
TCBX Banking Ratios
Third Coast Bancshares, Inc. (TCBX) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 4.15% | 13.53% | 5.43% | 5.48% | 8.42% | 10.93% | 13.37% |
| Return on Assets (ROA) | 0.26% | 0.87% | 0.52% | 0.59% | 0.82% | 1.02% | 1.29% |
| Net Interest Margin | 3.66% | 3.64% | 3.62% | 3.09% | 3.17% | 3.25% | 3.66% |
| Efficiency Ratio | 58.57% | 55.09% | 66.6% | 54.51% | 36.17% | 30.59% | 32.1% |
| Equity / Assets | 6.17% | 6.52% | 11.96% | 10.12% | 9.37% | 9.32% | 9.94% |
| Book Value / Share | 8.05 | 19.19 | 36.74 | 27.76 | 24.41 | 26.89 | 32.43 |
| NII Growth | - | 99.94% | 33.4% | 28.6% | 19.81% | 15.22% | 21.44% |
Related:TCBX Dividend History·TCBX Revenue History·TCBX Price History·TCBX P/E History·TCBX Financial Ratios·TCBX Institutional Holders
TCBX SEC Filings & Documents
Third Coast Bancshares, Inc. (TCBX) SEC filings — annual & quarterly reports (10-K, 10-Q)
TCBX Frequently Asked Questions
Third Coast Bancshares, Inc. (TCBX) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Third Coast Bancshares, Inc. (TCBX) grew revenue by 8.5% over the past year. This is steady growth.
Yes, Third Coast Bancshares, Inc. (TCBX) is profitable, generating $66.3M in net income for fiscal year 2025 (18.1% net margin).
Dividend & Returns
Yes, Third Coast Bancshares, Inc. (TCBX) pays a dividend with a yield of 0.72%. This makes it attractive for income-focused investors.
Third Coast Bancshares, Inc. (TCBX) has a return on equity (ROE) of 13.4%. This is reasonable for most industries.
Industry Metrics
Third Coast Bancshares, Inc. (TCBX) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Third Coast Bancshares, Inc. (TCBX) has an efficiency ratio of 32.1%. This is excellent, indicating strong cost control.