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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
10/13/2026: TCBX (2-star) is currently NOT-A-BUY. Pass it for now.
Third Coast Bancshares, Inc. is a regional bank holding company focused on serving commercial and retail clients primarily in the Texas market. Its core strength lies in its relationship-based model and successful execution of a growth-oriented strategy in a robust economic region. The primary investment story centers on the potential for organic and inorganic expansion within growing Texas metropolitan areas. However, investors must weigh the risks of geographic concentration, competitive pressure from larger national banks, and sensitivity to interest rate cycles. As a growth-focused entity, it may be more suitable for investors with a longer time horizon who can tolerate higher volatility, as the company does not currently prioritize dividends.
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 is actively pursuing expansion in the high-growth Texas banking market. |
| Momentum investor | Mixed fit | Performance is highly dependent on market cycles and successful execution of expansion plans. |
| Value investor | Mixed fit | The stock valuation often reflects its growth prospects, which may limit deep value opportunities. |
| Dividend investor | Weak fit | The company currently reinvests earnings into growth rather than prioritizing dividend payouts. |
| Low-risk investor | Weak fit | As a small-cap regional bank, it carries higher volatility and concentration risks than larger peers. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Smaller market capitalization often leads to wider swings in share price. |
| Valuation risk | Medium | Future growth expectations are baked into the current stock price. |
| Competition risk (regional banking competition) | High | Competitors with larger capital bases may challenge market share growth. |
| Business quality | Medium | Profitability remains tied to regional economic health and interest rate cycles. |
| Dividend income | Low / none | The company does not provide a reliable income stream for dividend-focused investors. |
| Execution risk | Medium / high | Successful growth is dependent on effective integration of acquisitions and management oversight. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
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 10/13/2026 |
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 694.51M USD | Price to earnings Ratio 10.37 | 1Y Target Price 48.43 |
Price to earnings Ratio 10.37 | 1Y Target Price 48.43 | ||
Volume (30-day avg) 108.8K shares | Beta 0.65 | 52 Weeks Range 35.73 - 46.35 | Updated Date 10/13/2026 |
52 Weeks Range 35.73 - 46.35 | Updated Date 10/13/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.02 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The company makes money primarily by lending out money at higher rates than it pays to depositors. |
| Non-Interest Income | Fees from treasury management, service charges, and other banking activities. | Diversified fee income helps the bank stabilize earnings outside of pure interest rate fluctuations. |
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 0.98 | Actual - |
Profitability
Profit Margin 32.46% | Operating Margin (TTM) 42.71% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 12.74% |
Valuation
Trailing PE 10.37 | Forward PE 10.22 | Enterprise Value 444.56M | Price to Sales(TTM) 3.03 |
Enterprise Value 444.56M | Price to Sales(TTM) 3.03 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 16.65M | Shares Floating 15.22M |
Shares Outstanding 16.65M | Shares Floating 15.22M | ||
Percent Insiders 8.21 | Percent Institutions 61.37 |
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.
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