Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Third Coast Bancshares, Inc.(TCBX)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TCBX
11/09/2026: TCBX (1-star) is currently NOT-A-BUY. Pass it for now.
Third Coast Bancshares, Inc. is a regional bank holding company centered on the growing Texas market, providing commercial and retail banking services. The company's core strength lies in its relationship-driven model and its successful execution of growth-focused acquisitions within high-activity economic hubs. While it offers a compelling growth story tied to Texas, it faces significant risks including geographic concentration and intense competition from larger, better-capitalized institutions. The company generally prioritizes reinvesting earnings into growth over paying dividends. This stock may suit investors seeking long-term exposure to the Texas economy, provided they can tolerate the volatility and risks inherent in smaller-cap regional banking.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company focuses on expanding its loan portfolio within the high-growth Texas market. |
| Momentum investor | Mixed fit | Momentum appeal is conditional on the bank demonstrating consistent earnings growth above regional averages. |
| Value investor | Strong fit | The stock may offer value for those betting on the long-term economic expansion of Texas. |
| Dividend investor | Weak fit | The company currently prioritizes capital retention for growth over cash dividend distributions. |
| Low-risk investor | Weak fit | Regional banking stocks carry inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap banking stocks often experience greater price swings relative to market indices. |
| Valuation risk | Medium | Valuation is sensitive to future earnings projections and the economic health of the Texas commercial sector. |
| Competition risk (regional banking) | High | Intense competition for deposits and loans from larger, well-capitalized institutions can pressure margins. |
| Business quality | Medium | While the franchise is growing, it lacks the historical track record and scale of larger competitors. |
| Dividend income | Low / none | Investors should not rely on the stock for current dividend income at this stage of the company's growth. |
| Execution risk | Medium | Success depends on the effective management of loan portfolios and the integration of future acquisitions. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 14.42% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 646.36M USD | Price to earnings Ratio 9.87 | 1Y Target Price 47.35 |
Price to earnings Ratio 9.87 | 1Y Target Price 47.35 | ||
Volume (30-day avg) 115.7K shares | Beta 0.66 | 52 Weeks Range 35.73 - 46.35 | Updated Date 11/08/2026 |
52 Weeks Range 35.73 - 46.35 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.92 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | The primary way the bank makes money is by charging more for loans than it pays for customer deposits. |
| Non-Interest Income | Service fees, treasury management fees, and other banking transaction charges. | The bank also generates revenue through various fees charged for business and retail banking services. |
| Geography: Texas | Primary operational and lending activities within the state of Texas. | The bank's performance is highly leveraged to the health of the Texas economy. |
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 0.98 | Actual 1.06 |
Profitability
Profit Margin 31.03% | Operating Margin (TTM) 37.94% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 12.66% |
Valuation
Trailing PE 9.87 | Forward PE 9.23 | Enterprise Value 446.78M | Price to Sales(TTM) 2.66 |
Enterprise Value 446.78M | Price to Sales(TTM) 2.66 | ||
Enterprise Value to Revenue 3.29 | Enterprise Value to EBITDA - | Shares Outstanding 16.71M | Shares Floating 15.27M |
Shares Outstanding 16.71M | Shares Floating 15.27M | ||
Percent Insiders 8.19 | Percent Institutions 62.41 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.