TCBX Third Coast Bancshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 4, 2026
$43.36
· of 52w range
· above low
· to high
$35.7352w low
$46.3652w high
Market Cap (MRQ)
$721M
P/E
11.4
EPS
$3.79
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52W Range
$36–$46
Analyst Rating
BUY
Price Target
$48
P/E
11.4
ROE
12.9%
Net Profit Margin
31.7%
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TCBX Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$43.36
Market Cap (MRQ)
$721M
P/E
11.4
EPS
$3.79
ROE
12.9%
52W Range
$36–$46
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.792019-12-31 → 2025-12-31
Free Cash Flow·2021-12-31 → 2024-12-31
Net margin31.7%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | TCBX | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.45Y avg ≈13.1 | ≈13.1 | 11.6 | Undervalued | |
| P/S | 2.95Y avg ≈2.6 | ≈2.6 | 3.2 | Undervalued | |
| P/B (MRQ) | 1.15Y avg ≈0.9 | ≈0.9 | 1.2 | Undervalued | |
| Price / Cash Flow | 11.85Y avg ≈23.6 | ≈23.6 | 10.5 | Fair value | |
| Price / Tangible Book (MRQ) | 1.15Y avg ≈0.9 | ≈0.9 | · | · | |
| PEG Ratio | ≈0.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | TCBX | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 39.6%5Y avg ≈27.5% | ≈27.5% | 36.0% | Top tier | |
| Net Profit Margin | 31.7%5Y avg ≈21.8% | ≈21.8% | 29.5% | Top tier | |
| ROA | 1.3%5Y avg ≈0.85% | ≈0.85% | 1.1% | Top tier | |
| ROE | 12.9%5Y avg ≈8.2% | ≈8.2% | 10.7% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | TCBX | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 21.9%5Y avg ≈24.4% | ≈24.4% | · | · | |
| Revenue CAGR 3Y | 19.1%5Y avg ≈22.9% | ≈22.9% | · | · | |
| Revenue CAGR 5Y | 24.2% | · | · | · | |
| EPS YoY | 36.3%5Y avg ≈19.5% | ≈19.5% | · | · | |
| Net Income YoY | 39.1%5Y avg ≈43.7% | ≈43.7% | · | · | |
| EPS CAGR 3Y | 44.7%5Y avg ≈23.9% | ≈23.9% | · | · | |
| EPS CAGR 5Y | 14.7% | · | · | · | |
| Net Income CAGR 3Y | 52.6%5Y avg ≈51.3% | ≈51.3% | · | · | |
| Net Income CAGR 5Y | 40.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | TCBX | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
15.5%
Next Report
Oct 20, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 21, 2026 | $1.08 | $0.88 | 23.1% |
| March 31, 2026 | $0.88 | $0.85 | 3.6% | |
| Dec. 31, 2025 | $1.02 | $0.91 | 11.6% | |
| Sept. 30, 2025 | $1.03 | $0.86 | 19.5% | |
| June 30, 2025 | $0.96 | $0.76 | 26.0% | |
| March 31, 2025 | $0.78 | $0.72 | 8.9% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $127M | $37M | $10M | $14M | |
| Interest Income | $354M | $328M | $267M | $154M | $101M | $82M | |
| Pretax Income | $83M | $61M | $42M | $23M | $14M | $16M | |
| Income Tax | $16M | $14M | $8M | $5M | $3M | $3M | |
| Net Income | $66M | $48M | $33M | $19M | $11M | $12M | |
| EPS (Basic) | $4.45 | $3.14 | $2.11 | $1.28 | $1.45 | $1.94 | |
| EPS (Diluted) | $3.79 | $2.78 | $1.98 | $1.25 | $1.40 | $1.91 | |
| Shares (Basic) | 13,841,230 | 13,656,859 | 13,583,553 | 13,465,196 | 7,874,110 | 6,232,115 | |
| Shares (Diluted) | 17,477,207 | 17,133,845 | 16,877,891 | 13,754,610 | 8,138,824 | 6,329,760 | |
| EBITDA | · | · | $-465.0K | $-479.0K | $-270.0K | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $175M | $371M | $297M | $330M | $327M | $201M | |
| PP&E (Net) | $25M | $26M | $29M | $29M | $19M | $15M | |
| PP&E (Gross) | $47M | $44M | $43M | $39M | $27M | $21M | |
| Accum. Depreciation | $22M | $18M | $14M | $10M | $8M | $6M | |
| Goodwill | $18M | · | $18M | $18M | $18M | $18M | |
| Intangibles | $646.0K | · | $969.0K | $1M | $1M | $1M | |
| Total Assets | $5.34B | $4.94B | $4.40B | $3.77B | $2.50B | $1.87B | |
| Total Liabilities | $4.81B | $4.48B | $3.98B | $3.39B | $2.20B | $1.75B | |
| Common Stock | $14M | $14M | $14M | $14M | $13M | $6M | |
| Paid-in Capital | $324M | $322M | $320M | $318M | $249M | · | |
| Retained Earnings | $183M | $122M | $79M | $53M | $36M | $25M | |
| Treasury Stock | $1M | $1M | $1M | $1M | $1M | $979.0K | |
| AOCI | $11M | $5M | $933.0K | $-2M | $1M | $280.0K | |
| Stockholders' Equity | $531M | $461M | $412M | $382M | $299M | $120M | |
| Liabilities + Equity | $5.34B | $4.94B | $4.40B | $3.77B | $2.50B | $1.87B | |
| Shares Outstanding | 13,891,055 | 13,769,780 | 13,604,665 | 13,531,736 | 13,403,324 | 6,276,759 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| D&A | $5M | $5M | $-465.0K | $-479.0K | $-270.0K | $78.0K | |
| Stock-based Comp | $2M | $2M | $2M | $1M | $659.0K | $275.0K | |
| Deferred Tax | · | · | $-3M | $-1M | $-380.0K | $-3M | |
| Amort. of Intangibles | · | $162.0K | $162.0K | $162.0K | $162.0K | $162.0K | |
| Other Non-cash | · | · | $7M | $4M | $-7M | · | |
| Operating Cash Flow | $51M | $35M | $39M | $22M | $5M | $-4M | |
| CapEx | · | $2M | $3M | $12M | $6M | $1M | |
| Investing Cash Flow | $-610M | $-521M | $-530M | $-1.24B | $-500M | $-500M | |
| Net Debt Issued | · | · | · | $-32M | $-32M | · | |
| Financing Cash Flow | $319M | $495M | $570M | $1.22B | $619M | $611M | |
| Net Change in Cash | $-240M | $9M | $80M | $5M | $123M | $107M | |
| Taxes Paid | · | $16M | $9M | $7M | $6M | $3M | |
| Free Cash Flow | · | $33M | $36M | $10M | $-1M | · | |
| Levered FCF | · | · | $-66M | $-21M | $-9M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Net Margin | 31.7% | 27.8% | 22.6% | 15.1% | 12.0% | · | |
| Pretax Margin | 39.6% | 35.8% | 28.2% | 18.7% | 15.2% | · | |
| EBITDA Margin | · | · | -0.31% | -0.39% | -0.28% | · | |
| ROA | 1.3% | 1.0% | 0.82% | 0.59% | 0.52% | · | |
| ROE | 12.9% | 10.5% | 8.2% | 4.9% | 4.5% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Book Value / Share | $38.23 | $33.46 | $30.28 | $28.21 | $22.31 | · | |
| Revenue / Share | $11.95 | $10.00 | $8.75 | $8.99 | $11.73 | · | |
| Cash Flow / Share | $2.91 | $2.05 | $2.32 | $1.58 | $0.56 | · | |
| Cash / Share | $12.61 | $26.95 | $21.83 | $24.38 | $24.38 | · | |
| EPS (TTM) | $3.79 | $2.78 | $1.98 | $1.25 | $1.40 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | 21.9% | 16.0% | 19.4% | 29.6% | 35.2% | · | |
| Revenue CAGR 3Y | 19.1% | 21.6% | 27.9% | · | · | · | |
| Revenue CAGR 5Y | 24.2% | · | · | · | · | · | |
| EPS YoY | 36.3% | 40.4% | 58.4% | -10.7% | -26.7% | · | |
| EPS CAGR 3Y | 44.7% | 25.7% | 1.2% | · | · | · | |
| EPS CAGR 5Y | 14.7% | · | · | · | · | · | |
| Net Income YoY | 39.1% | 42.7% | 79.0% | 63.3% | -5.7% | · | |
| Net Income CAGR 3Y | 52.6% | 61.0% | 40.2% | · | · | · | |
| Net Income CAGR 5Y | 40.5% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $209M | $171M | $148M | $124M | $95M | · | |
| Net Income TTM | $66M | $48M | $33M | $19M | $11M | · | |
| Market Cap | $528M | $467M | $270M | $249M | $348M | · | |
| P/E | 10.0 | 12.2 | 10.0 | 14.7 | 18.6 | · | |
| P/S | 2.5 | 2.7 | 1.8 | 2.0 | 3.6 | · | |
| P/B | 1.0 | 1.0 | 0.7 | 0.7 | 1.2 | · | |
| P / Tangible Book | 1.0 | 1.0 | 0.7 | 0.7 | 1.2 | · | |
| P / Cash Flow | 10.4 | 13.3 | 6.9 | 11.4 | 76.0 | · | |
| P / FCF | · | 14.0 | 7.6 | 26.0 | -336.1 | · | |
| Earnings Yield | 10.0% | 8.2% | 10.0% | 6.8% | 5.4% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $42M | $41M | $40M | $34M | $29M | $25M | $19M | $12M | |
| Interest Income | $106M | $97M | $92M | $93M | $89M | $81M | $86M | $83M | $81M | $79M | $77M | $69M | $63M | $57M | $51M | $43M | |
| Pretax Income | $28M | $19M | $22M | $23M | $21M | $17M | $18M | $16M | $14M | $13M | $12M | $7M | $11M | $11M | $9M | $8M | |
| Income Tax | $6M | $3M | $4M | $5M | $4M | $4M | $4M | $3M | $3M | $3M | $2M | $1M | $2M | $2M | $2M | $1M | |
| Net Income | $22M | $16M | $18M | $18M | $17M | $14M | $14M | $13M | $11M | $10M | $10M | $6M | $9M | $9M | $8M | $7M | |
| EPS (Basic) | $1.25 | $1.03 | $1.21 | $1.22 | $1.12 | $0.90 | $0.91 | $0.85 | $0.70 | $0.68 | $0.62 | $0.32 | $0.57 | $0.60 | $0.45 | $0.50 | |
| EPS (Diluted) | $1.08 | $0.88 | $1.02 | $1.03 | $0.96 | $0.78 | $0.80 | $0.74 | $0.63 | $0.61 | $0.58 | $0.32 | $0.53 | $0.55 | $0.45 | $0.49 | |
| Shares (Basic) | 16,591,144 | 14,814,661 | · | 13,860,149 | 13,836,830 | 13,776,998 | · | 13,665,400 | 13,657,223 | 13,606,256 | · | 13,608,718 | 13,588,747 | 13,532,545 | · | 13,490,680 | |
| Shares (Diluted) | 20,334,205 | 18,560,056 | · | 17,524,288 | 17,391,128 | 17,440,826 | · | 17,184,991 | 17,018,680 | 16,936,003 | · | 13,873,187 | 16,855,822 | 16,801,815 | · | 13,678,962 | |
| EBITDA | · | · | · | · | · | · | · | · | · | $-288.0K | · | · | · | $222.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $404M | $425M | $175M | $116M | $113M | $219M | $371M | $258M | $242M | $368M | · | $142M | $245M | $309M | · | $217M | |
| PP&E (Net) | $40M | $41M | $25M | $25M | $25M | $26M | $26M | $27M | $28M | $27M | · | $29M | $29M | $29M | · | $25M | |
| PP&E (Gross) | $64M | $64M | $47M | $46M | $45M | $45M | $44M | $44M | $44M | $42M | · | $42M | $41M | $40M | · | $35M | |
| Accum. Depreciation | $24M | $23M | $22M | $21M | $20M | $19M | $18M | $17M | $16M | $15M | · | $13M | $12M | $11M | · | $10M | |
| Goodwill | $46M | $46M | · | · | · | · | · | · | · | $18M | · | $18M | $18M | $18M | · | $18M | |
| Intangibles | $8M | $9M | · | · | · | · | · | · | · | $929.0K | · | $1M | $1M | $1M | · | $1M | |
| Total Assets | $6.74B | $6.58B | $5.34B | $5.06B | $4.94B | $4.90B | $4.94B | $4.63B | $4.47B | $4.66B | · | $4.22B | $3.96B | $3.86B | · | $3.52B | |
| Total Liabilities | $6.06B | $5.93B | $4.81B | $4.55B | $4.45B | $4.42B | $4.48B | $4.18B | $4.04B | $4.24B | · | $3.82B | $3.57B | $3.47B | · | $3.14B | |
| Common Stock | $17M | $17M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | · | $14M | $14M | $14M | · | $14M | |
| Paid-in Capital | $430M | $429M | $324M | $323M | $323M | $322M | $322M | $321M | $320M | $320M | · | $319M | $319M | $318M | · | $318M | |
| Retained Earnings | $219M | $198M | $183M | $167M | $150M | $134M | $122M | $109M | $98M | $88M | · | $70M | $66M | $58M | · | $47M | |
| Treasury Stock | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | · | $1M | $1M | $1M | · | $1M | |
| AOCI | $6M | $8M | $11M | $11M | $11M | $10M | $5M | $8M | $4M | $3M | · | $-2M | $-1M | $-2M | · | $-1M | |
| Stockholders' Equity | $671M | $651M | $531M | $514M | $496M | $480M | $461M | $451M | $435M | $424M | $412M | $400M | $396M | $387M | $382M | $376M | |
| Liabilities + Equity | $6.74B | $6.58B | $5.34B | $5.06B | $4.94B | $4.90B | $4.94B | $4.63B | $4.47B | $4.66B | · | $4.22B | $3.96B | $3.86B | · | $3.52B | |
| Shares Outstanding | 16,639,127 | 16,562,268 | 13,891,055 | 13,879,099 | 13,851,581 | 13,825,286 | 13,769,780 | 13,667,591 | 13,665,505 | 13,652,888 | · | 13,600,211 | 13,609,697 | 13,579,498 | · | 13,521,826 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $-1M | $-648.0K | $-288.0K | · | $-254.0K | $74.0K | $222.0K | · | $-581.0K | |
| Stock-based Comp | $724.0K | $425.0K | $450.0K | $420.0K | $406.0K | $332.0K | $459.0K | $452.0K | $432.0K | $356.0K | $493.0K | $368.0K | $402.0K | $365.0K | $293.0K | $373.0K | |
| Amort. of Intangibles | · | · | · | $40.0K | $40.0K | $40.0K | · | $40.0K | $40.0K | $40.0K | · | $40.0K | $40.0K | $40.0K | $42.0K | $40.0K | |
| Other Non-cash | · | · | · | · | · | · | · | · | · | $-1M | · | · | · | $-2M | · | · | |
| Operating Cash Flow | $45M | $-39M | $6M | $21M | $14M | $10M | $-4M | $22M | $7M | $9M | $18M | $3M | $10M | $8M | $6M | $11M | |
| CapEx | · | · | · | · | · | · | · | · | · | · | · | $1M | $1M | $709.0K | $4M | $3M | |
| Investing Cash Flow | $-168M | $26M | $-205M | $-110M | $-256M | $-40M | $-160M | $-138M | $-48M | $-174M | $-50M | $-227M | $-138M | $-114M | $-144M | $-248M | |
| Financing Cash Flow | $103M | $263M | $258M | $93M | $31M | $-63M | $314M | $133M | $-203M | $251M | $158M | $242M | $85M | $85M | $252M | $135M | |
| Net Change in Cash | $-20M | $250M | $58M | $4M | $-210M | $-92M | $151M | $17M | $-244M | $86M | $125M | $19M | $-43M | $-21M | $114M | $-102M | |
| Taxes Paid | · | · | · | $6M | $3M | $273.0K | · | $1.0K | · | · | · | $2M | · | · | $2M | $2M | |
| Free Cash Flow | · | · | · | · | · | · | · | · | · | · | · | · | · | $7M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | · | · | · | $-12M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.3% | 28.4% | · | 33.1% | 32.2% | 29.6% | · | 29.8% | 25.9% | 25.7% | · | 15.0% | 24.4% | 26.6% | · | 20.0% | |
| Pretax Margin | 40.5% | 32.9% | · | 41.9% | 40.5% | 37.8% | · | 37.9% | 34.1% | 32.0% | · | 18.9% | 30.6% | 33.1% | · | 24.4% | |
| EBITDA Margin | · | · | · | · | · | · | · | · | · | -0.71% | · | · | · | 0.64% | · | · | |
| ROA | 0.38% | 0.29% | · | 0.37% | 0.36% | 0.28% | · | 0.29% | 0.26% | 0.24% | · | 0.14% | 0.24% | 0.27% | · | 0.24% | |
| ROE | 3.8% | 2.9% | · | 3.7% | 3.6% | 3.0% | · | 3.0% | 2.6% | 2.6% | · | 1.4% | 2.5% | 2.7% | · | 2.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $40.31 | $39.28 | · | $37.02 | $35.82 | $34.70 | · | $32.96 | $31.83 | $31.03 | · | $29.44 | $29.09 | $28.50 | · | $27.83 | |
| Revenue / Share | $3.34 | $3.11 | · | $3.11 | $2.99 | $2.63 | · | $2.50 | $2.45 | $2.39 | · | $2.68 | $2.16 | $2.07 | · | $2.48 | |
| Cash Flow / Share | · | $-2.09 | · | · | · | $0.60 | · | · | · | $0.56 | · | · | · | $0.47 | · | · | |
| Cash / Share | $24.29 | $25.67 | · | $8.39 | $8.17 | $15.84 | · | $18.89 | $17.69 | $26.94 | · | $10.45 | $17.99 | $22.77 | · | $16.02 | |
| EPS (TTM) | $4.01 | $3.89 | · | $3.57 | $3.28 | $2.95 | · | $2.56 | $2.14 | $2.04 | · | $1.85 | $2.02 | $1.65 | · | $0.57 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $237M | $221M | · | $199M | $187M | $177M | · | $165M | $159M | $153M | · | $142M | $139M | $132M | · | $116M | |
| Net Income TTM | $74M | $69M | · | $62M | $57M | $51M | · | $44M | $36M | $35M | · | $31M | $32M | $26M | · | $11M | |
| Market Cap | $672M | $627M | · | $527M | $453M | $461M | · | $366M | $291M | $273M | · | $233M | $216M | $213M | · | $231M | |
| P/E | 10.1 | 9.7 | · | 10.6 | 10.0 | 11.3 | · | 10.5 | 9.9 | 9.8 | · | 9.2 | 7.9 | 9.5 | · | 30.0 | |
| P/S | 2.8 | 2.8 | · | 2.7 | 2.4 | 2.6 | · | 2.2 | 1.8 | 1.8 | · | 1.6 | 1.6 | 1.6 | · | 2.0 | |
| P/B | 1.0 | 1.0 | · | 1.0 | 0.9 | 1.0 | · | 0.8 | 0.7 | 0.6 | · | 0.6 | 0.5 | 0.6 | · | 0.6 | |
| P / Tangible Book | 1.1 | 1.1 | · | 1.0 | 0.9 | 1.0 | · | 0.8 | 0.7 | 0.7 | · | 0.6 | 0.6 | 0.6 | · | 0.6 | |
| P / Cash Flow | · | -16.2 | · | · | · | 44.0 | · | · | · | 29.0 | · | · | · | 26.7 | · | · | |
| Earnings Yield | 9.9% | 10.3% | · | 9.4% | 10.0% | 8.8% | · | 9.6% | 10.1% | 10.2% | · | 10.8% | 12.7% | 10.5% | · | 3.3% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $66M | $48M | $33M | $19M | $11M |
| Diluted EPS | $3.79 | $2.78 | $1.98 | $1.25 | $1.40 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | · | $33M | $36M | $10M | $-1M |
Institutional owners (13F) 149 filers · $421.2M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
149
Value held
$421.2M
New positions
12
Exited positions
17
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 12 (-20 vs prior Q) | 17 (-3 vs prior Q) | 59 (+3 vs prior Q) | 43 (+9 vs prior Q) | +598K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $46,829,459 | 1,159,145 | 11.12% | Shares |
| VANGUARD GROUP INC | $25,340,887 | 666,690 | 6.02% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $24,635,395 | 609,787 | 5.85% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $21,326,150 | 527,875 | 5.06% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $20,907,395 | 517,513 | 4.96% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $18,532,490 | 458,725 | 4.40% | Shares |
| STATE STREET CORP | $17,408,198 | 430,896 | 4.13% | Shares |
| AMERICAN CENTURY COMPANIES INC | $17,379,393 | 430,183 | 4.13% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $15,997,007 | 395,884 | 3.80% | Shares |
| Bank of New York Mellon Corp | $13,552,786 | 335,465 | 3.22% | Shares |
| Ategra Capital Management, LLC | $10,560,035 | 261,387 | 2.51% | Shares |
| ALLIANCEBERNSTEIN L.P. | $10,159,360 | 268,553 | 2.41% | Shares |
| Meridian Wealth Advisors, LLC | $7,290,948 | 180,469 | 1.73% | Shares |
| 1492 Capital Management LLC | $7,037,882 | 174,205 | 1.67% | Shares |
| BANC FUNDS CO LLC | $6,830,186 | 169,064 | 1.62% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $6,748,941 | 167,053 | 1.60% | Shares |
| WASATCH ADVISORS LP | $5,983,004 | 158,155 | 1.42% | Shares |
| Blue Trust, Inc. | $5,942,113 | 147,082 | 1.41% | Shares |
| STRATEGIC VALUE BANK PARTNERS LLC | $5,917,550 | 146,474 | 1.40% | Shares |
| Lighthouse Investment Partners, LLC | $5,729,972 | 141,831 | 1.36% | Shares |
| NORTHERN TRUST CORP | $5,563,888 | 137,720 | 1.32% | Shares |
| SEI INVESTMENTS CO | $5,003,527 | 123,850 | 1.19% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $4,951,222 | 122,555 | 1.18% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $4,502,540 | 111,449 | 1.07% | Shares |
| MORGAN STANLEY | $4,453,776 | 110,242 | 1.06% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $4,225,678 | 104,596 | 1.00% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,936,455 | 97,437 | 0.93% | Shares |
| FRANKLIN RESOURCES INC | $3,563,845 | 88,214 | 0.85% | Shares |
| BANK OF AMERICA CORP /DE/ | $3,532,252 | 87,432 | 0.84% | Shares |
| GOLDMAN SACHS GROUP INC | $3,313,325 | 82,013 | 0.79% | Shares |
| Ballast Asset Management, LP | $3,234,260 | 80,250 | 0.77% | Shares |
| Valeo Financial Advisors, LLC | $3,176,086 | 78,616 | 0.75% | Shares |
| AMERIPRISE FINANCIAL INC | $2,908,558 | 71,994 | 0.69% | Shares |
| UBS Group AG | $2,877,046 | 71,214 | 0.68% | Shares |
| Empowered Funds, LLC | $2,771,278 | 68,596 | 0.66% | Shares |
| PRUDENTIAL FINANCIAL INC | $2,695,286 | 66,715 | 0.64% | Shares |
| SALZHAUER MICHAEL | $2,500,706 | 61,899 | 0.59% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $2,485,570 | 61,524 | 0.59% | Shares |
| CITIGROUP INC | $2,282,842 | 56,506 | 0.54% | Shares |
| Qube Research & Technologies Ltd | $2,207,900 | 54,651 | 0.52% | Shares |
| Russell Investments Group, Ltd. | $2,177,050 | 53,886 | 0.52% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,155,906 | 53,364 | 0.51% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $2,060,400 | 51,000 | 0.49% | Shares |
| FIRST TRUST ADVISORS LP | $2,024,444 | 50,110 | 0.48% | Shares |
| TRUIST FINANCIAL CORP | $2,020,000 | 50,000 | 0.48% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $1,830,968 | 45,321 | 0.43% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,744,593 | 43,183 | 0.41% | Shares |
| Annex Advisory Services, LLC | $1,701,518 | 44,978 | 0.40% | Shares |
| Daytona Street Capital LLC | $1,668,039 | 41,900 | 0.40% | Shares |
| Hillsdale Investment Management Inc. | $1,559,440 | 38,600 | 0.37% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Castle Creek Capital Partners VII, LP, Castle Creek Capital VII LLC, Castle Creek Capital Partners VIII, LP, Castle Creek Capital Partners VIII Co-Investment Fund A, LP, Castle Creek Capital VIII LLC ×4 filings | Nov. 20, 2024 | · | Initial filing | · | SEC |
| Castle Creek Capital Partners VIII, LP, Castle Creek Capital Partners VIII Co-Investment Fund A, LP, Castle Creek Capital VIII LLC | Oct. 7, 2022 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 24 insiders · 9 officers · 16 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Bart Caraway | Chairman, President and Chief Executive Officer | March 15, 2026 A | 164,160 | 0 | 0 | $0 |
| Richard J Mcwhorter | Chief Financial Officer | March 15, 2026 A | 128,061 | 0 | 0 | $0 |
| Michael Deckert | Executive Vice President and Chief Operating Officer Exhibit 24 - Power of Attorney | May 1, 2023 P | 1,473 | 0 | 0 | $0 |
| Liz Eber | Executive Vice President and Chief Legal Officer | March 15, 2026 A | 1,991 | 1 | 0 | $4,925 |
| Christopher Seay Peacock | Executive Vice President and Chief Retail Officer | March 15, 2026 A | 2,158 | 0 | 0 | $0 |
| William Bobbora | Executive Vice President and Chief Banking Officer | March 15, 2026 A | 51,855 | 1 | 1 | $38,650 |
| Audrey Duncan | Senior Executive Vice President and Chief Credit Officer | March 15, 2026 A | 16,279 | 0 | 0 | $0 |
| Vicki Alexander | Executive Vice President and Chief Risk and Operations Officer | March 15, 2025 A | 10,897 | 0 | 0 | $0 |
| Donald C Legato | Senior Executive Vice President and Chief Lending Officer | Feb. 24, 2022 M | 7,500 | 0 | 0 | $0 |
| Troy Andrew Glander | Director | June 15, 2026 S | 27,651 | 0 | 2 | $-163,779 |
| Greg Bonnen | Director | May 21, 2026 A | 6,189 | 0 | 0 | $0 |
| Mary Stich | Director | May 21, 2026 A | 4,237 | 0 | 0 | $0 |
| David R Phelps | Director | May 21, 2026 A | 9,757 | 0 | 0 | $0 |
| Joseph Stunja | Director | May 21, 2026 A | 1,968 | 0 | 0 | $0 |
| Reagan Swinbank | Director | May 21, 2026 A | 43,875 | 0 | 0 | $0 |
| Martin Basaldua | Director | May 21, 2026 A | 39,235 | 0 | 0 | $0 |
| Carolyn Bailey | Director | May 21, 2026 A | 11,034 | 0 | 0 | $0 |
| Dennis Bonnen | Director | May 21, 2026 A | 153,377 | 0 | 0 | $0 |
| Clint Tuxberry Greenleaf | Director | May 21, 2026 A | 21,121 | 0 | 0 | $0 |
| Lynn Eisenhart | Director | May 21, 2026 A | 2,930 | 0 | 0 | $0 |
| Shelton Mcdonald | Director | May 7, 2026 M | 13,476 | 0 | 0 | $0 |
| Donald W. Brunson | Director | March 16, 2026 A | 37,268 | 0 | 2 | $-57,821 |
| Jeffrey A Wilkinson | Director | March 16, 2026 A | 32,055 | 0 | 0 | $0 |
| Norma Galloway | Director | May 25, 2023 A | 7,864 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 26 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.17% | 53,709 SH | Sept. 11, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.08% | 7,399 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 13,583 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.03% | 63,592 NS | July 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.03% | 7,073 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,475 SH | Oct. 1, 2026 | Daily |
| ROSC · Lattice Strategies Trust | 0.02% | 325 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.02% | 396,296 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 7,429 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 89,682 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 9,502 SH | Oct. 1, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 48,605 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 41,928 NS | July 31, 2026 | N-PORT |
| TEXN · iShares Trust | 0.01% | 47 SH | Sept. 11, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 175,594 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 460 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 34,094 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,094 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,317 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,921 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 3,706 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 5,010 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 421,069 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,111 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 151,292 SH | Sept. 11, 2026 | Daily |
| SVAL · iShares Trust | · | 16,295 SH | Sept. 3, 2026 | Daily |
TCBX Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 11 analysts
BUY
Median target
$48.00
+10.7%
3 27.3%
Strong Buy
5 45.5%
Buy
3 27.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
7 analysts · 2026-10-02Mean target $48.14 +11.0%
Now
Current price $43.36
Low$40.00
Mean$48.14
High$54.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| TCBX | $528M | 10.0 | 21.9% | 31.7% | 12.9% | · |
| HTB | $742M | 11.5 | · | 30.2% | 11.2% | · |
| RCBC | · | · | · | · | · | · |
| SHBI | $591M | 9.9 | -0.27% | 285.4% | 10.3% | · |
| WASH | $562M | 10.9 | 127.6% | 22.8% | 9.8% | · |
| 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% | · | · | · |
| PFIS | $487M | 8.3 | 39.7% | 31.5% | 11.7% | · |
| MSBI | · | · | · | · | · | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 4, 2026