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

Company Overview

Third Coast Bancshares, Inc. is the bank holding company for Third Coast Bank SSB, a Texas-based community bank. The company provides relationship-focused banking services to businesses, professionals and individuals through its banking operations in Texas.

Third Coast Bank offers commercial and consumer deposit products, including checking, savings and money market accounts, certificates of deposit and cash-management services. Its lending activities include commercial and industrial loans, commercial real estate financing, residential and other real estate loans, construction lending, and consumer loans.

Founded in 2008, Third Coast Bank serves communities in the Houston, Dallas-Fort Worth and other Texas markets through branch locations and digital banking channels. The bank emphasizes personalized service and customized financial solutions for small and middle-market businesses, real estate developers, professional practices and individual customers.

Key Stats

• Today's Range: $41.17 to $41.92
• 50-Day Range: $41.05 to $46.07
• 52-Week Range: $35.73 to $46.35
• Volume: 104,276 shs
• Average Volume: 96,555 shs
• Market Capitalization: $685.71 million
• P/E Ratio: 12.64
• Dividend Yield: N/A
• Price Target: $47.60
• Consensus Rating: Moderate Buy

Third Coast Bancshares Stock Analysis - MarketRank™

Third Coast Bancshares scored higher than 63% of companies evaluated by MarketBeat, and ranked 519th out of 847 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: 3.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Third Coast Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.71, and is based on 1 strong buy rating, 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Third Coast Bancshares has a consensus price target of $47.60, representing about 15.2% upside from its current price of $41.33.

Amount of Analyst Coverage

Third Coast Bancshares has only been the subject of 4 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 12.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 36.32.

Price to Earnings Ratio vs. Sector

The P/E ratio of Third Coast Bancshares is 12.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.83.

Price to Book Value per Share Ratio

Third Coast Bancshares has a P/B Ratio of 1.23. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for TCBX.

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 420.70%. 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.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.56

News Sentiment

Third Coast Bancshares has a news sentiment score of 0.56. 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 lower news sentiment than the 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Third Coast Bancshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Third Coast Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

10.48% 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

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

Company Calendar

• Last Earnings: 7/22/2026
• Today: 10/15/2026
• Next Earnings (Estimated): 10/21/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:TCBX
• CIK: 1781730
• Web: www.tcbssb.com
• Phone: 281-446-7000
• Fax: N/A
• Employees: 477
• Year Founded: 2013

Price Target and Rating

• Average Price Target for Third Coast Bancshares: $47.60
• High Price Target: $53.00
• Low Price Target: $45.00
• Potential Upside/Downside: +15.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.71
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.01
• Trailing P/E Ratio: 12.64
• Forward P/E Ratio: 13.33
• P/E Growth: N/A
• Net Income: $47.67 million
• Net Margins: 16.30%
• Pretax Margin: 20.81%
• Return on Equity: 12.05%
• Return on Assets: 1.17%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $234.99 million
• Price / Sales: 2.92
• Cash Flow: $3.28 per share
• Price / Cash Flow: 12.61
• Book Value: $33.67 per share
• Price / Book: 1.23

Miscellaneous

• Outstanding Shares: 16,592,000
• Free Float: 12,436,000
• Market Cap: $685.71 million
• Optionable: Not Optionable
• Beta: 0.33