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Upturn AI SWOT - About
Third Coast Bancshares Inc (TCBX)
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Upturn Advisory Summary
08/14/2025: TCBX (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $42.67
1 Year Target Price $42.67
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.76% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 542.11M USD | Price to earnings Ratio 11.96 | 1Y Target Price 42.67 |
Price to earnings Ratio 11.96 | 1Y Target Price 42.67 | ||
Volume (30-day avg) 4 | Beta 0.76 | 52 Weeks Range 22.47 - 39.72 | Updated Date 08/15/2025 |
52 Weeks Range 22.47 - 39.72 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.27 |
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 0.7633 | Actual 0.96 |
Profitability
Profit Margin 31.18% | Operating Margin (TTM) 43.07% |
Management Effectiveness
Return on Assets (TTM) 1.21% | Return on Equity (TTM) 12.21% |
Valuation
Trailing PE 11.96 | Forward PE 11.44 | Enterprise Value 555253504 | Price to Sales(TTM) 2.97 |
Enterprise Value 555253504 | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 13861200 | Shares Floating 12620459 |
Shares Outstanding 13861200 | Shares Floating 12620459 | ||
Percent Insiders 9 | Percent Institutions 59.59 |
Upturn AI SWOT
Third Coast Bancshares Inc
Company Overview
History and Background
Third Coast Bancshares, Inc. was founded in 2008 in Houston, Texas, as a community bank. It has grown organically and through acquisitions, expanding its presence across Texas. It aims to provide relationship-driven commercial banking services to businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products and services to small and medium-sized businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes various departments responsible for lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. No specific market share data available. Competitors include larger national and regional banks like JPMorgan Chase, Bank of America, and Prosperity Bancshares (PB).
- Small Business Loans: Loans to fund business operations, equipment, or expansion. No specific market share data available. Competitors include other community banks, credit unions, and online lenders.
- Deposit Accounts: Checking, savings, and money market accounts. No specific market share data available. Competitors include national, regional, and local banks, as well as online banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. The industry is currently facing challenges such as rising interest rates, increasing regulatory scrutiny, and technological disruption.
Positioning
Third Coast Bancshares is positioned as a community bank focused on relationship-driven commercial banking in Texas. It aims to differentiate itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in Texas is substantial, estimated in the billions of dollars annually. Third Coast Bancshares captures a small but growing portion of this TAM, focusing on specific market segments and geographic areas.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-driven approach
- Experienced management team
- Growing presence in Texas markets
Weaknesses
- Smaller scale compared to larger competitors
- Limited geographic diversification
- Dependence on Texas economy
- Higher cost of funds than larger banks
Opportunities
- Expansion into new Texas markets
- Increased demand for commercial lending
- Technological innovation in banking
- Acquisitions of smaller banks
Threats
- Economic downturn in Texas
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PB
- HBAN
- FCBT
Competitive Landscape
Third Coast Bancshares faces intense competition from larger national and regional banks, as well as other community banks. Its competitive advantages include local market knowledge and relationship-driven service.
Growth Trajectory and Initiatives
Historical Growth: Third Coast Bancshares has grown organically and through acquisitions since its founding. The rate of growth has varied over time depending on economic conditions and strategic initiatives.
Future Projections: Future growth projections require access to analyst reports and company guidance. These projections are not publicly available in this format.
Recent Initiatives: Recent initiatives may include branch expansions, technology upgrades, and new product launches.
Summary
Third Coast Bancshares is a growing community bank with a focus on relationship banking in Texas. It has a strong management team and a growing presence in its target markets. However, it faces challenges from larger competitors and economic uncertainties. Continued growth depends on strategic expansion and efficient operations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where available)
- Industry Reports
- Analyst Reports (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Investing in stocks involves risk, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Third Coast Bancshares Inc
Exchange NASDAQ | Headquaters Humble, TX, United States | ||
IPO Launch date 2021-11-09 | Founder, Chairman, President & CEO Mr. Bart O. Caraway CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 386 | Website https://www.thirdcoast.bank |
Full time employees 386 | Website https://www.thirdcoast.bank | ||
Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in the United States. The company's deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of commercial and residential real estate loans; construction, development and other loans; commercial and industrial loans; and farmland, consumer, and agricultural loans, as well as lease financing and bond anticipation notes. The company also provides retail and commercial online banking platforms, mobile banking apps, treasury management solutions, merchant card services, and customer digital solutions, as well as debit and credit cards. In addition, it has an investment portfolio that includes state and municipal securities, mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds. The company was founded in 2008 and is headquartered in Humble, Texas.
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