TCBX
Financial ServicesThird Coast Bancshares, Inc. · Banks - Regional · $540M
What is Third Coast Bancshares, Inc.?
Third Coast Bancshares is a Texas-based bank holding company serving small and medium-sized businesses across major Texas metros. Its banking subsidiary, Third Coast Bank, SSB, focuses on relationship-driven commercial banking.
Third Coast Bancshares generates revenue primarily through commercial lending and deposit-gathering. The bank extends loans to businesses and professionals — covering equipment financing, working capital, and commercial real estate — while funding those loans through checking, savings, and money market deposits. Treasury management and digital banking services round out the offering, deepening relationships with its core small-business clientele.
The company was founded in 2008 and is headquartered in Humble, Texas.
- Commercial and industrial loans (equipment, working capital, auto finance)
- Business deposit accounts (checking, savings, money market, CDs)
- Treasury management and online banking services
- Wire transfers, debit cards, and safe deposit boxes
Is TCBX a Good Stock to Buy?
UQS Score rates TCBX as Good overall, reflecting a mixed but constructive profile for a community-focused commercial bank.
The Quality pillar comes in at a Good rating, suggesting the bank's core earnings and balance sheet management hold up reasonably well relative to peers. Valuation is rated Attractive, meaning the market may not be fully pricing in the bank's fundamentals.
The Moat and Risk pillars both register as Weak, pointing to limited competitive differentiation and above-average exposure to credit or operational risks typical of smaller regional lenders.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does TCBX pay dividends?
No — Third Coast Bancshares, Inc. does not currently pay a dividend.
TCBX does not currently pay a dividend. As a growth-oriented community bank, Third Coast Bancshares reinvests capital into expanding its loan portfolio and branch footprint across Texas markets rather than returning cash to shareholders through distributions.
When does TCBX report earnings?
Third Coast Bancshares reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
The bank has been expanding its presence across Greater Houston, Dallas-Fort Worth, and Austin-San Antonio, which shapes its near-term revenue trajectory. Growth in commercial loan balances and deposit gathering are the primary drivers investors watch each quarter.
For the most recent quarter's results and guidance, visit Third Coast Bancshares' investor relations page directly.
TCBX Price History
+52.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Third Coast Bancshares, Inc.?
Based on Third Coast Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
TCBX Long-term Outlook
The Growth pillar for TCBX is rated Neutral, suggesting the bank is expanding at a measured pace rather than posting outsized loan or revenue growth. The Weak Risk rating warrants attention — credit quality and concentration risk in Texas commercial markets are factors that could weigh on future performance. The Attractive Valuation label, however, indicates the current price may offer a reasonable entry point relative to fundamentals for patient investors.
Growth drivers
- Continued branch and loan-book expansion across Texas metro markets
- Deepening treasury management and digital banking relationships with small businesses
- Potential for improved net interest income as the commercial loan portfolio matures
Key risks
- Weak Moat rating reflects limited pricing power versus larger regional and national banks
- Weak Risk pillar signals elevated sensitivity to credit cycles and potential loan losses
- Concentration in Texas commercial real estate and business lending adds geographic risk
TCBX vs Peers
TCBX competes in the community and regional banking space alongside several similarly sized institutions focused on local business relationships.
Northfield Bancorp operates primarily in the New York-New Jersey metro area, giving it a very different geographic and deposit-base profile compared to TCBX's Texas-centric footprint.
Peoples Financial serves communities across Pennsylvania and surrounding states, with a longer operating history and a more established retail deposit franchise than Third Coast.
Bar Harbor Bankshares focuses on northern New England markets, emphasizing consumer and small-business banking in a lower-growth but more stable regional economy.
Frequently Asked Questions
What does Third Coast Bancshares do?
Third Coast Bancshares is the holding company for Third Coast Bank, SSB, a Texas-based commercial bank. It provides loans, deposit accounts, and treasury management services primarily to small and medium-sized businesses across Houston, Dallas-Fort Worth, Austin-San Antonio, and one branch in Detroit, Texas.
Does TCBX pay dividends?
No, TCBX does not currently pay a dividend. The company reinvests its earnings into growing its loan portfolio and expanding its branch network across Texas, prioritizing balance sheet growth over shareholder distributions at this stage of development.
When does TCBX report earnings?
Third Coast Bancshares reports on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact timing of upcoming earnings releases, check the investor relations section of the company's official website.
Is TCBX a good stock to buy?
TCBX earns a Good overall UQS Score, with an Attractive Valuation and Good Quality rating working in its favor. However, Weak Moat and Risk scores indicate meaningful risks. Whether it fits your portfolio depends on your risk tolerance and investment horizon — the full pillar breakdown is available to Pro members.
Is TCBX overvalued?
Based on the UQS Valuation pillar, TCBX is rated Attractive, suggesting the stock may be trading at a reasonable or favorable price relative to its fundamentals. This does not guarantee future returns, but it indicates the market has not significantly priced in a premium for the bank's growth prospects.
How does TCBX compare to its competitors?
TCBX is a younger, Texas-focused growth bank compared to peers like Northfield Bancorp, Peoples Financial Services, and Bar Harbor Bankshares, which operate in more established Northeast and New England markets. Third Coast's differentiation lies in its commercial lending focus within high-growth Texas metros.
What is TCBX's market cap bracket?
TCBX is classified as a small-cap stock. This means it carries the growth potential associated with smaller community banks but also the liquidity and volatility risks that come with a smaller market capitalization relative to large regional or national banks.
Who founded Third Coast Bancshares?
Third Coast Bancshares was founded in 2008 and is headquartered in Humble, Texas. For detailed information on the founding team and leadership history, the company's official website and SEC filings are the most reliable sources.
Is TCBX a long-term quality investment?
As a long-term quality indicator, TCBX's Good UQS Score reflects a bank with reasonable earnings quality and an attractive valuation, but the Weak Moat and Risk scores suggest it has not yet built the durable competitive advantages that typically support consistent long-term outperformance. Pro members can view the complete analysis.
What sector does TCBX belong to?
TCBX operates in the Financial Services sector, specifically within community and regional banking. It focuses on commercial banking solutions for small and medium-sized businesses, which makes it more sensitive to business credit cycles than consumer-focused banks.
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Pro Analysis
TCBX — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 46.0 | 47.8 | 20.0 | 44.3 | 36.4 | 98.5 | -6.5 |
| May 3, 2026 | 52.5 | 73.9 | 20.0 | 44.3 | 36.4 | 98.1 | 0.0 |
| May 1, 2026 | 52.5 | 73.9 | 20.0 | 44.3 | 36.4 | 98.2 | -0.3 |
| Apr 26, 2026 | 52.8 | 73.9 | 20.0 | 45.1 | 36.4 | 98.8 | +0.3 |
| Apr 25, 2026 | 52.5 | 73.9 | 20.0 | 45.0 | 36.4 | 97.3 | -0.6 |
| Apr 18, 2026 | 53.1 | 73.9 | 20.0 | 46.8 | 36.4 | 98.5 | -0.1 |
| Apr 12, 2026 | 53.2 | 73.9 | 20.0 | 46.8 | 36.4 | 99.1 | 0.0 |
| Apr 9, 2026 | 53.2 | 73.9 | 20.0 | 46.7 | 36.4 | 99.6 | -0.1 |
| Apr 2, 2026 | 53.3 | 73.9 | 20.0 | 46.9 | 36.4 | 99.6 | — |
TCBX — Pillar Breakdown
Quality
— 47.8/100 (25%)Third Coast Bancshares, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 44.3/100 (20%)Third Coast Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)Third Coast Bancshares, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 98.5/100 (15%)Third Coast Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Third Coast Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TCBX.
Score Composition
Financial Data
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How is the TCBX UQS Score Calculated?
The UQS (Unified Quality Score) for Third Coast Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Third Coast Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Third Coast Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.