Third Coast Bancshares Inc
TCBXBuild a strategy around TCBX
Third Coast Bancshares Inc AI Insights
Informational only. Not investment advice.Snapshot
- ROE TTM of 12.9% vs industry median 1.7% - 7.5x profitability advantage signals superior capital allocation in regional banking[ROE TTM]
- Revenue 5Y CAGR 27.6% vs industry median 5.7% - nearly 5x growth rate while maintaining 31% net margin TTM[Total Revenue 5Y Growth]
- P/B of 1.41x on tangible book of 495M - trading near book despite ROE 7x industry; P/E 11.2x vs median 12x[P/B Ratio]
Watch Triggers
- Net Margin TTM: Falls below 25% — Current 31% margin is key differentiator; compression signals NIM pressure or credit losses
- ROE TTM: Falls below 10% — At 12.9% vs 1.7% median, ROE decline would eliminate valuation discount justification
- Total Revenue 1Y Growth: Falls below 15% — 27.6% growth rate premium to peers is core thesis; deceleration changes narrative
Bull Case
Elite profitability metrics (ROE 12.9%, ROIC 10.1%, net margin 31%) at 7x industry medians with conservative 0.26x debt/equity creates compounding machine
Accelerating growth (revenue 1Y 27.6%, EPS 3Y CAGR 28%) at discount valuation (P/E 11.2x, P/B 1.4x) vs peers
Bear Case
Interest expense TTM 161M (1.7x interest income 92.5M) creates NIM compression risk if rate environment shifts unfavorably
Small 5B asset base with 700M market cap limits liquidity; zero dividend payout vs 31% industry median signals reinvestment pressure
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
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Forward Thesis
Earnings growth to outpace revenue as operating leverage matures in 5B asset base
- EPS 3Y CAGR 28% vs revenue 3Y CAGR 17% shows margin expansion
- Interest income 92.5M growing faster than interest expense trajectory
- ROIC 10.1% TTM indicates efficient capital deployment
Valuation Context
Caveats
TCBX Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$616.06M | — | ||
$348.19M | — | ||
9.5 | — | ||
$219.24M | +24.6% | — | |
$3.89 | +31.9% | — | |
0% | — | ||
31.5% | +2.6% | — | |
$-14.65M | — | ||
12.2% | +1.0% | — | |
Beta 5Y (Monthly) | unknown | — |
TCBX Dividend History
TCBX Stock Splits
TCBX SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
05/05/26 | 03/31/26 | 10-Q | |
03/04/26 | 12/31/25 | Unknown | |
11/04/25 | 09/30/25 | 10-Q | |
08/05/25 | 06/30/25 | 10-Q | |
05/06/25 | 03/31/25 | 10-Q | |
03/05/25 | 12/31/24 | Unknown | |
11/05/24 | 09/30/24 | 10-Q | |
08/08/24 | 06/30/24 | 10-Q | |
05/07/24 | 03/31/24 | 10-Q | |
03/07/24 | 12/31/23 | 10-K | |
11/07/23 | 09/30/23 | 10-Q | |
08/08/23 | 06/30/23 | 10-Q | |
05/09/23 | 03/31/23 | 10-Q | |
03/15/23 | 12/31/22 | 10-K | |
11/10/22 | 09/30/22 | 10-Q | |
08/09/22 | 06/30/22 | 10-Q | |
05/05/22 | 03/31/22 | 10-Q | |
03/17/22 | 12/31/21 | 10-K | |
12/22/21 | 09/30/21 | 10-Q | |
11/09/21 | 06/30/21 | 424B4 | |
05/05/22 | 03/31/21 | 10-Q | |
11/09/21 | 12/31/20 | 424B4 | |
12/22/21 | 09/30/20 | 10-Q |