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Upturn AI SWOT - About
TCBX 
Third Coast Bancshares, Inc. (TCBX)
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Upturn Advisory Summary
10/21/2025: TCBX (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $42.33
1 Year Target Price $42.33
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.03% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/21/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 550.84M USD | Price to earnings Ratio 12.15 | 1Y Target Price 42.33 |
Price to earnings Ratio 12.15 | 1Y Target Price 42.33 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 25.17 - 41.25 | Updated Date 10/21/2025 |
52 Weeks Range 25.17 - 41.25 | Updated Date 10/21/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.27 |
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.84 | Actual - |
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 12.15 | Forward PE 10.22 | Enterprise Value 563985984 | Price to Sales(TTM) 3.02 |
Enterprise Value 563985984 | Price to Sales(TTM) 3.02 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 13861173 | Shares Floating 12620459 |
Shares Outstanding 13861173 | Shares Floating 12620459 | ||
Percent Insiders 8.84 | Percent Institutions 58.5 |
Upturn AI SWOT
Third Coast Bancshares, Inc.
Company Overview
History and Background
Third Coast Bancshares, Inc. was founded in 2008 and is headquartered in Houston, Texas. The company operates as the holding company for Third Coast Bank, SSB, providing banking services to businesses and individuals in the Texas Gulf Coast region. It focuses on relationship banking and personalized service. The company has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of loan products (commercial, industrial, real estate), deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and other financial services to individuals and families.
- Wealth Management: Provides financial planning and wealth management services to individuals.
Leadership and Structure
Bart Caraway serves as the Chairman, President, and CEO. The organization includes various executive vice presidents leading different business lines and support functions. The Board of Directors provides governance and strategic oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses' operational needs, expansion, and equipment purchases. Competitors include large national banks (JPM, BAC) and other regional banks. Market share data is highly localized and not easily available without granular geographic information, but Third Coast focuses on a niche within the Texas market.
- Real Estate Loans: Financing for commercial and residential real estate projects. Competitors: Wells Fargo, Bank of America, and other regional banks. Again, specific market share data is localized, Third Coast has competitive advantage within local market
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Competitors: Chase, Wells Fargo, Capital One. Market share depends on the specific region in Texas.
Market Dynamics
Industry Overview
The banking industry is highly competitive, influenced by interest rates, economic conditions, regulatory changes, and technological advancements. Consolidation continues to be a major trend. Fintech competition is also increasing.
Positioning
Third Coast Bancshares positions itself as a relationship-focused community bank, emphasizing personalized service and local expertise. This differentiates it from larger national banks. Their competitive advantage is the customer care and building relationships with clients.
Total Addressable Market (TAM)
The total addressable market for banking services in Texas is substantial, encompassing trillions of dollars in loans and deposits. Third Coast Bancshares' TAM is specific to the geographic areas and businesses it serves. TAM is estimated to be around $1 Trillion in deposits for the region.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Relationship-focused banking model
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to national competitors
- Dependence on the Texas economy
- Lower brand recognition outside Texas
Opportunities
- Expansion into new markets within Texas
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- KEY
- TCBI
Competitive Landscape
Third Coast Bancshares competes with both large national banks and other regional banks. Its advantage lies in its local focus and personalized service. Disadvantages stem from smaller size and limited brand recognition. The market share comparisons are based on total deposits in US market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable. Need source data for analysis
Future Projections: Future projections unavailable. Need analyst estimates to provide projection data
Recent Initiatives: Recent initiatives data unavailable. Need data regarding initiatives to analyze
Summary
Third Coast Bancshares is a regional bank in Texas that focusing on relationship banking. Its strengths lie in its local market knowledge and personalized service. The company faces challenges from larger competitors and economic conditions. Continued growth depends on expanding strategically and adopting new technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-Party Financial Data Providers
- FDIC Data
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share and TAM data are estimates and may vary. Actual results may differ materially from projections.
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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