Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
TCBX 
Third Coast Bancshares Inc (TCBX)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/16/2025: TCBX (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $42.67
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 32.39% | Avg. Invested days 43 | 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 546.96M USD | Price to earnings Ratio 12.07 | 1Y Target Price 42.67 |
Price to earnings Ratio 12.07 | 1Y Target Price 42.67 | ||
Volume (30-day avg) 4 | Beta 0.76 | 52 Weeks Range 25.00 - 41.25 | Updated Date 09/16/2025 |
52 Weeks Range 25.00 - 41.25 | Updated Date 09/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.27 |
Earnings Date
Report Date - | When - | Estimate - | 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 12.07 | Forward PE 10.99 | Enterprise Value 560104896 | Price to Sales(TTM) 3 |
Enterprise Value 560104896 | Price to Sales(TTM) 3 | ||
Enterprise Value to Revenue 3.66 | Enterprise Value to EBITDA - | Shares Outstanding 13861200 | Shares Floating 12620459 |
Shares Outstanding 13861200 | Shares Floating 12620459 | ||
Percent Insiders 9 | Percent Institutions 58.51 |
Upturn AI SWOT
Third Coast Bancshares Inc
Company Overview
History and Background
Third Coast Bancshares, Inc. was founded in 2008 in Houston, Texas, focusing on community banking. Initially focused on organic growth within Texas, it has expanded through strategic acquisitions and branch openings. The company aims to provide personalized banking services to small and medium-sized businesses and individuals.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products tailored to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment management and trust services to high-net-worth individuals and families.
Leadership and Structure
Third Coast Bancshares is led by a board of directors and a senior management team. Key figures include the CEO and CFO. The organizational structure includes departments for commercial lending, retail banking, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides loans for commercial property acquisition and development. Market share is difficult to pinpoint exactly. Competitors include regional banks like Prosperity Bancshares (PB) and Cadence Bank (CADE).
- Small Business Loans (SBA): Offers SBA loans to small businesses. Market share is challenging to accurately quantify, as it varies regionally. Competitors include many smaller regional banks.
- Checking and Savings Accounts: Provides standard banking services for consumers. Market share data is not consistently reported. Competitors include large national banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is undergoing transformation driven by technological advancements, regulatory changes, and economic conditions. There is increasing competition from Fintech companies and online-only banks.
Positioning
Third Coast Bancshares is positioned as a community-focused bank serving the Texas market. Its competitive advantages include local expertise and personalized service. They aim to fill the gap between large national banks and very small community banks.
Total Addressable Market (TAM)
TAM for banking services in Texas is estimated to be in the billions of dollars, encompassing personal and commercial banking needs. Third Coast's positioning targets a specific segment of this market, focusing on personalized service for SMEs.
Upturn SWOT Analysis
Strengths
- Strong local presence in Texas
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on Texas economy
- Lower brand recognition outside Texas
Opportunities
- Expansion into new Texas markets
- Increased adoption of digital banking solutions
- Strategic acquisitions of smaller banks
- Growing demand for community banking services
Threats
- Economic downturn in Texas
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PB
- CADE
- HBAN
- TCBI
Competitive Landscape
Third Coast competes primarily with regional and national banks. It aims to differentiate itself through personalized service and local expertise. Its size provides agility but also limits resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires access to financial databases.
Future Projections: Future projections require access to analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Third Coast Bancshares Inc.
Summary
Third Coast Bancshares is a community bank focused on the Texas market. It exhibits strengths in local relationships and a seasoned management team. However, its geographic concentration and smaller size pose limitations. Successfully capitalizing on expansion opportunities and managing competitive pressures are crucial for its sustained growth and success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and general market knowledge. Specific financial data is illustrative. Market conditions and company performance can change rapidly. Consult a financial professional for investment advice.
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.
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.