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Upturn AI SWOT - About
Third Coast Bancshares Inc (TCBX)
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Upturn Advisory Summary
06/27/2025: 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
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $37.67
Year Target Price $37.67
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.1% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 459.68M USD | Price to earnings Ratio 11.26 | 1Y Target Price 37.67 |
Price to earnings Ratio 11.26 | 1Y Target Price 37.67 | ||
Volume (30-day avg) - | Beta 0.73 | 52 Weeks Range 20.11 - 39.45 | Updated Date 06/29/2025 |
52 Weeks Range 20.11 - 39.45 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.95 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.54% | Operating Margin (TTM) 38.75% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 11.27% |
Valuation
Trailing PE 11.26 | Forward PE 10.52 | Enterprise Value 262606192 | Price to Sales(TTM) 2.67 |
Enterprise Value 262606192 | Price to Sales(TTM) 2.67 | ||
Enterprise Value to Revenue 3.36 | Enterprise Value to EBITDA - | Shares Outstanding 13833300 | Shares Floating 12590921 |
Shares Outstanding 13833300 | Shares Floating 12590921 | ||
Percent Insiders 9.03 | Percent Institutions 58.87 |
Analyst Ratings
Rating 3.5 | Target Price 37.67 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
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. It operates as a bank holding company for Third Coast Bank, SSB, offering commercial banking services. The bank has grown organically and through strategic acquisitions, focusing on serving businesses and individuals in Texas.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including term loans, lines of credit, and real estate financing, catering to small and medium-sized businesses.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals and families.
- Treasury Management: Provides cash management services, including online banking, lockbox services, and merchant services, to help businesses manage their finances efficiently.
Leadership and Structure
The leadership team includes Bart Caraway (CEO), Richard Gonzalez (CFO), and other senior executives overseeing various business functions. The organizational structure consists of business lines with regional oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary revenue driver. Market share is regional within Texas. Competitors include large national banks and other regional banks in Texas like Prosperity Bancshares (PB).
- Deposit Accounts: Various deposit products including checking, savings, and money market accounts. Competitors include national banks and online banks.
- Real Estate Financing: Provides real estate loans for commercial properties. Competitors include other regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulation and technological disruption. The current environment includes changing interest rates and economic uncertainty.
Positioning
Third Coast Bancshares focuses on serving the Texas market with a community banking approach. Competitive advantages include local knowledge and personalized service.
Total Addressable Market (TAM)
The Texas banking market is estimated to be worth hundreds of billions. Third Coast Bancshares is positioned as a regional player, capturing a portion of this TAM by focusing on local relationships and niche markets. Total Addressable Market (TAM) is estimated at $600 billion. Third Coast Bancshares Inc focuses on local relationships and niche markets capturing a part of the TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence in Texas
- Experienced management team
- Focus on commercial lending
- Community banking model
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on the Texas economy
- Higher cost structure compared to larger banks
Opportunities
- Expansion into new Texas markets
- Increased adoption of digital banking
- Growing demand for commercial loans
- Acquisition opportunities
Threats
- Economic downturn in Texas
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PB
- HBAN
- FFIN
Competitive Landscape
Third Coast Bancshares competes with larger regional and national banks. Advantages include local knowledge and personalized service. Disadvantages include smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by commercial lending and expansion within Texas.
Future Projections: Analyst estimates project continued growth in line with the Texas economy and market share gains.Placeholder: Estimated Revenue Growth Next Year: [0.08], Estimated EPS Growth Next Year: [0.12]
Recent Initiatives: Recent initiatives include expanding digital banking services and opening new branches in strategic locations.
Summary
Third Coast Bancshares is a regional bank focusing on the Texas market. It has experienced steady growth through commercial lending and expansion. The bank faces competition from larger players but benefits from its local presence. Future growth depends on the Texas economy and the bank's ability to adapt to technological changes. Financial data is crucial for a definitive assessment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (hypothetical)
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Actual financial data is required for a comprehensive analysis.
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 376 | Website https://www.thirdcoast.bank |
Full time employees 376 | 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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