TCBX Third Coast Bancshares, Inc. - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$36.66
Price · May 20, 2026
Fundamentals as of May 5, 2026

TCBX Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$36.66
Market Cap
$528M
P/E (TTM)
10.0
EPS (TTM)
$3.79
Revenue (TTM)
Div Yield
ROE
12.9%
Debt/Equity
52W Range
$30 – $44

TCBX Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income
EPS $3.79
7-point trend, +531.7%
2019-12-31 2025-12-31
Free Cash Flow
4-point trend, +3321.0%
2021-12-31 2024-12-31
Margins 31.7%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
TCBX
Peer Median
P/E (TTM)
5-point trend, -46.0%
10.0
10.7
P/S (TTM)
5-point trend, -30.7%
2.5
2.0
P/B
5-point trend, -14.6%
1.0
1.1

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
TCBX
Peer Median
Net Profit Margin
5-point trend, +165.2%
31.7%
25.3%
ROA
5-point trend, +148.1%
1.3%
0.95%
ROE
5-point trend, +184.4%
12.9%
9.8%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
TCBX
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
TCBX
Peer Median
Revenue YoY
21.9%
Revenue CAGR 3Y
19.1%
Revenue CAGR 5Y
24.2%
EPS YoY
5-point trend, +170.7%
36.3%
Net Income YoY
5-point trend, +480.3%
39.1%

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
TCBX
Peer Median
EPS (Diluted)
5-point trend, +170.7%
$3.79

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
TCBX
Peer Median

TCBX Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 10 analysts
  • Strong Buy 3 30.0%
  • Buy 4 40.0%
  • Hold 3 30.0%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

4 analysts · 2026-05-15
Median target $43.00 +17.3%
Mean target $42.75 +16.6%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.11%
Period EPS Actual EPS Est Surprise
March 31, 2026 $0.88 $0.85 0.03%
Dec. 31, 2025 $1.02 $0.91 0.11%
Sept. 30, 2025 $1.03 $0.86 0.17%
June 30, 2025 $0.96 $0.76 0.20%
March 31, 2025 $0.78 $0.72 0.06%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
TCBX $528M 10.0 21.9% 31.7% 12.9%
SHBI $591M 9.9 -0.27% 285.4% 10.3%
CWBC $431M 11.2 25.6% 26.0% 9.7%
BCAL $605M 9.7 41.0% 35.0% 11.2%
AROW 11.8 17.6%
WASH $562M 10.9 127.6% 22.8% 9.8%
NPB $579M 8.0 29.2% 34.5% 14.2%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 10
Annual Income Statement data for TCBX
Metric Trend 202520242023202220212020
Interest Expense 4-point trend, +784.5% · · $127M $37M $10M $14M
Interest Income 6-point trend, +330.5% $354M $328M $267M $154M $101M $82M
Pretax Income 6-point trend, +430.1% $83M $61M $42M $23M $14M $16M
Income Tax 6-point trend, +370.8% $16M $14M $8M $5M $3M $3M
Net Income 6-point trend, +447.2% $66M $48M $33M $19M $11M $12M
EPS (Basic) 6-point trend, +129.4% $4.45 $3.14 $2.11 $1.28 $1.45 $1.94
EPS (Diluted) 6-point trend, +98.4% $3.79 $2.78 $1.98 $1.25 $1.40 $1.91
Shares (Basic) 6-point trend, +122.1% 13,841,230 13,656,859 13,583,553 13,465,196 7,874,110 6,232,115
Shares (Diluted) 6-point trend, +176.1% 17,477,207 17,133,845 16,877,891 13,754,610 8,138,824 6,329,760
EBITDA 3-point trend, -72.2% · · $-465.0K $-479.0K $-270.0K ·
Balance Sheet 16
Annual Balance Sheet data for TCBX
Metric Trend 202520242023202220212020
Cash & Equivalents 6-point trend, -13.0% $175M $371M $297M $330M $327M $201M
PP&E (Net) 6-point trend, +63.6% $25M $26M $29M $29M $19M $15M
PP&E (Gross) 6-point trend, +118.1% $47M $44M $43M $39M $27M $21M
Accum. Depreciation 6-point trend, +251.7% $22M $18M $14M $10M $8M $6M
Goodwill 5-point trend, +0.2% $18M · $18M $18M $18M $18M
Intangibles 5-point trend, -55.6% $646.0K · $969.0K $1M $1M $1M
Total Assets 6-point trend, +186.0% $5.34B $4.94B $4.40B $3.77B $2.50B $1.87B
Total Liabilities 6-point trend, +175.5% $4.81B $4.48B $3.98B $3.39B $2.20B $1.75B
Common Stock 6-point trend, +120.0% $14M $14M $14M $14M $13M $6M
Paid-in Capital 5-point trend, +30.0% $324M $322M $320M $318M $249M ·
Retained Earnings 6-point trend, +644.7% $183M $122M $79M $53M $36M $25M
Treasury Stock 6-point trend, +12.3% $1M $1M $1M $1M $1M $979.0K
AOCI 6-point trend, +3800.0% $11M $5M $933.0K $-2M $1M $280.0K
Stockholders' Equity 6-point trend, +341.0% $531M $461M $412M $382M $299M $120M
Liabilities + Equity 6-point trend, +186.0% $5.34B $4.94B $4.40B $3.77B $2.50B $1.87B
Shares Outstanding 6-point trend, +121.3% 13,891,055 13,769,780 13,604,665 13,531,736 13,403,324 6,276,759
Cash Flow 14
Annual Cash Flow data for TCBX
Metric Trend 202520242023202220212020
D&A 6-point trend, +5985.9% $5M $5M $-465.0K $-479.0K $-270.0K $78.0K
Stock-based Comp 6-point trend, +484.7% $2M $2M $2M $1M $659.0K $275.0K
Deferred Tax 4-point trend, -2.7% · · $-3M $-1M $-380.0K $-3M
Amort. of Intangibles Flat — no change across 5 periods · $162.0K $162.0K $162.0K $162.0K $162.0K
Other Non-cash 3-point trend, +208.1% · · $7M $4M $-7M ·
Operating Cash Flow 6-point trend, +1491.3% $51M $35M $39M $22M $5M $-4M
CapEx 5-point trend, +30.4% · $2M $3M $12M $6M $1M
Investing Cash Flow 6-point trend, -22.0% $-610M $-521M $-530M $-1.24B $-500M $-500M
Net Debt Issued Flat — no change across 2 periods · · · $-32M $-32M ·
Financing Cash Flow 6-point trend, -47.7% $319M $495M $570M $1.22B $619M $611M
Net Change in Cash 6-point trend, -323.2% $-240M $9M $80M $5M $123M $107M
Taxes Paid 5-point trend, +494.2% · $16M $9M $7M $6M $3M
Free Cash Flow 4-point trend, +3321.0% · $33M $36M $10M $-1M ·
Levered FCF 3-point trend, -639.1% · · $-66M $-21M $-9M ·
Profitability 5
Annual Profitability data for TCBX
Metric Trend 202520242023202220212020
Net Margin 5-point trend, +165.2% 31.7% 27.8% 22.6% 15.1% 12.0% ·
Pretax Margin 5-point trend, +161.0% 39.6% 35.8% 28.2% 18.7% 15.2% ·
EBITDA Margin 3-point trend, -10.7% · · -0.31% -0.39% -0.28% ·
ROA 5-point trend, +148.1% 1.3% 1.0% 0.82% 0.59% 0.52% ·
ROE 5-point trend, +184.4% 12.9% 10.5% 8.2% 4.9% 4.5% ·
Efficiency 1
Annual Efficiency data for TCBX
Metric Trend 202520242023202220212020
Asset Turnover 5-point trend, -7.1% 0.0 0.0 0.0 0.0 0.0 ·
Per Share 5
Annual Per Share data for TCBX
Metric Trend 202520242023202220212020
Book Value / Share 5-point trend, +71.4% $38.23 $33.46 $30.28 $28.21 $22.31 ·
Revenue / Share 5-point trend, +1.9% $11.95 $10.00 $8.75 $8.99 $11.73 ·
Cash Flow / Share 5-point trend, +416.5% $2.91 $2.05 $2.32 $1.58 $0.56 ·
Cash / Share 5-point trend, -48.3% $12.61 $26.95 $21.83 $24.38 $24.38 ·
EPS (TTM) 5-point trend, +170.7% $3.79 $2.78 $1.98 $1.25 $1.40 ·
Growth Rates 9
Annual Growth Rates data for TCBX
Metric Trend 202520242023202220212020
Revenue YoY 5-point trend, -37.9% 21.9% 16.0% 19.4% 29.6% 35.2% ·
Revenue CAGR 3Y 3-point trend, -31.7% 19.1% 21.6% 27.9% · · ·
Revenue CAGR 5Y 24.2% · · · · ·
EPS YoY 5-point trend, +236.1% 36.3% 40.4% 58.4% -10.7% -26.7% ·
EPS CAGR 3Y 3-point trend, +3597.5% 44.7% 25.7% 1.2% · · ·
EPS CAGR 5Y 14.7% · · · · ·
Net Income YoY 5-point trend, +785.3% 39.1% 42.7% 79.0% 63.3% -5.7% ·
Net Income CAGR 3Y 3-point trend, +30.8% 52.6% 61.0% 40.2% · · ·
Net Income CAGR 5Y 40.5% · · · · ·
Valuation (TTM) 10
Annual Valuation (TTM) data for TCBX
Metric Trend 202520242023202220212020
Revenue TTM 5-point trend, +118.9% $209M $171M $148M $124M $95M ·
Net Income TTM 5-point trend, +480.3% $66M $48M $33M $19M $11M ·
Market Cap 5-point trend, +51.6% $528M $467M $270M $249M $348M ·
P/E 5-point trend, -46.0% 10.0 12.2 10.0 14.7 18.6 ·
P/S 5-point trend, -30.7% 2.5 2.7 1.8 2.0 3.6 ·
P/B 5-point trend, -14.6% 1.0 1.0 0.7 0.7 1.2 ·
P / Tangible Book 5-point trend, -20.1% 1.0 1.0 0.7 0.7 1.2 ·
P / Cash Flow 5-point trend, -86.3% 10.4 13.3 6.9 11.4 76.0 ·
P / FCF 4-point trend, +104.2% · 14.0 7.6 26.0 -336.1 ·
Earnings Yield 5-point trend, +85.0% 10.0% 8.2% 10.0% 6.8% 5.4% ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $66M$48M$33M$19M$11M
Diluted EPS $3.79$2.78$1.98$1.25$1.40
Cash Flow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow $33M$36M$10M$-1M

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