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0.96%
Third coast bancshares, inc.
0.23%
Avg of Sector
-0.49%
S&P500
Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank, SSB that provides various commercial banking solutions to small and medium-sized businesses, and professionals. The company's deposit products include checking, savings, individual retirement, and money market accounts, as well as certificates of deposit. It also offers commercial and industrial loans, such as equipment loans, working capital, auto finance, and commercial finance. In addition, the company provides treasury management consumer and commercial online banking services, mobile applications, safe deposit boxes, and wire transfer services, as well as debit cards. It operates through eleven branches in Greater Houston, Dallas-Fort Worth, and Austin-San Antonio; and one branch in Detroit, Texas. The company was founded in 2008 and is headquartered in Humble, Texas.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Third coast bancshares, inc. (TCBX) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating TCBX's short-term business performance and financial health. For the latest updates on TCBX's earnings releases, visit this page regularly.
According to historical valuation range analysis, Third coast bancshares, inc. (TCBX)'s current price-to-earnings (P/E) ratio is 1.97, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Third coast bancshares, inc. (TCBX) reported an Operating Profit of 85.17M with an Operating Margin of 23.17% this period, representing a growth of 391.03% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Third coast bancshares, inc. (TCBX) announced revenue of 367.68M, with a Year-Over-Year growth rate of 708.91%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Third coast bancshares, inc. (TCBX) had total debt of 157.57M, with a debt ratio of 0.02. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Third coast bancshares, inc. (TCBX) held Total Cash and Cash Equivalents of 425.17M, accounting for 0.06 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Third coast bancshares, inc. (TCBX) achieved the “three margins increasing” benchmark, with a gross margin of 54.74%%, operating margin of 23.17%%, and net margin of 18.03%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess TCBX's profit trajectory and future growth potential.
According to the past four quarterly reports, Third coast bancshares, inc. (TCBX)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.03. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Third coast bancshares, inc. (TCBX)'s Free Cash Flow (FCF) for the period is 4.64M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 209.86% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Third coast bancshares, inc. (TCBX) has a Price-To-Earnings (PE) ratio of 1.97 and a Price/Earnings-To-Growth (PEG) ratio of -0.13. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.