Third Coast Bancshares, Inc. (TCBX) P/E Ratio History
UndervaluedTrading at 10.6x vs 5Y avg 14.5x · 29th percentile · Below historical baseline · Data 2021–2025
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P/E Ratio Analysis
As of June 13, 2026, Third Coast Bancshares, Inc. (TCBX) trades at a price-to-earnings ratio of 10.6x, with a stock price of $40.08 and trailing twelve-month earnings per share of $4.05.
The current P/E is 27% below its 5-year average of 14.5x. Over the past five years, TCBX's P/E has ranged from a low of 7.9x to a high of 35.4x, placing the current valuation at the 29th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, TCBX trades at a 24% discount to its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 0.72 (P/E divided by 36% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, TCBX trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our TCBX DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
TCBX Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
TCBX P/E vs Peers
Commercial and middle-market focused banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $5B | 19.0 | 4.22 | +13% | |
| $1B | 15.0 | - | -22% | |
| $4B | 14.9 | 0.34 | +431%Best | |
| $6B | 11.7 | 0.89 | +20% | |
| $2B | 15.4 | 3.88 | +10% | |
| $2B | 11.9 | 1.03 | +16% | |
| $3B | 14.0 | 4.40 | +6% | |
| $20B | 52.3 | 2.14 | -47% | |
| $29B | 8.5Lowest | 0.24Best | +18% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
TCBX Historical P/E Data (2021–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $38.01 | $3.65 | 10.4x | -28% |
| FY2025 Q3 | - | $37.97 | $3.35 | 11.3x | -22% |
| FY2025 Q2 | Jun 30 2025 | $32.67 | $2.99 | 10.9x | -25% |
| FY2025 Q1 | Mar 31 2025 | $33.37 | $2.66 | 12.5x | -13% |
| FY2024 Q4 | - | $33.95 | $2.49 | 13.6x | -6% |
| FY2024 Q3 | Sep 30 2024 | $26.77 | $2.27 | 11.8x | -19% |
| FY2024 Q2 | Jun 30 2024 | $21.27 | $1.92 | 11.1x | -24% |
| FY2024 Q1 | Mar 31 2024 | $20.02 | $1.89 | 10.6x | -27% |
| FY2023 Q4 | Dec 31 2023 | $19.87 | $1.90 | 10.5x | -28% |
| FY2023 Q3 | Sep 30 2023 | $17.10 | $1.84 | 9.3x | -36% |
| FY2023 Q2 | Jun 30 2023 | $15.87 | $2.01 | 7.9x | -45% |
| FY2023 Q1 | Mar 31 2023 | $15.71 | $1.64 | 9.6x | -34% |
| FY2022 Q4 | Dec 31 2022 | $18.43 | $1.24 | 14.9x | +3% |
| FY2022 Q3 | Sep 30 2022 | $17.11 | $0.83 | 20.6x | +43% |
| FY2022 Q2 | - | $21.90 | $0.62 | 35.4x | +144% |
| FY2022 Q1 | - | $23.10 | $0.88 | 26.3x | +81% |
| FY2021 Q4 | Dec 31 2021 | $25.98 | $1.33 | 19.6x | +35% |
Average P/E for displayed period: 14.5x
What if you invested $1,000 in TCBX back in 2021?
Total return with dividends reinvested · 5+ years of data
Calculate ReturnsHow much would $100/month in TCBX be worth today?
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Run the NumbersIs TCBX Undervalued Right Now?
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Compare NowTCBX — Frequently Asked Questions
Quick answers to the most common questions about buying TCBX stock.
What is TCBX's P/E ratio?
Third Coast Bancshares, Inc. (TCBX) trailing twelve-month P/E ratio is 10.6x, based on TTM diluted EPS of $4.05. The 5-year average P/E is 14.5x and the historical range spans 7.9x to 35.4x.
Is TCBX stock overvalued or undervalued?
TCBX trades at 10.6x P/E, below its 5-year average of 14.5x. At the 29th percentile of its historical range (7.9x–35.4x), the stock is priced at a discount to its own history.
Is TCBX stock expensive?
No, TCBX is not expensive on a historical basis. The current P/E of 10.6x is below the 5-year average of 14.5x and sits at the 29th percentile of its valuation range.
What is TCBX's historical P/E range?
Over the past 5 years, TCBX's P/E ratio has ranged from 7.9x to 35.4x, with a median of 11.3x and an average of 14.5x. The current P/E of 10.6x places the stock at the 29th percentile of this range. Full historical data spans 2021–2025.
How does TCBX's P/E compare to the S&P 500?
TCBX trades at 10.6x P/E versus the S&P 500 median of 25.1x. The 58% discount to the market suggests lower growth expectations or perceived higher risk.
How does TCBX's valuation compare to Financial Services peers?
Third Coast Bancshares, Inc. P/E of 10.6x compares to the Financial Services sector median of 13.9x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is TCBX's PEG ratio?
TCBX PEG ratio is 0.72, based on a P/E of 10.6x and EPS growth of 36.3%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is TCBX's earnings yield?
TCBX earnings yield is 9.46%, the inverse of its 10.6x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.