Third Coast Bancshares, Inc.
TCBX NYSE· Savings Institutions, Not Federally Chartered
Last close · Oct 27, 2026
$40.17
KIRA · Stoqly’s AI analyst, in plain words
- Third Coast Bancshares, Inc. had $209M of revenue in fiscal 2025, up 21.9% on the year before. Over five years, revenue changed +24.2% a year on average.
- Third Coast Bancshares, Inc. made $66.3M of net profit in fiscal 2025. From fiscal 2019 to 2025, diluted EPS grew 36.0% a year.
- It earned 13.4% on shareholders’ money. Running costs took 56.8% of revenue (the efficiency ratio; lower is better).
Market cap
$817M
P/E
10.0x
Revenue
$209M
Net income
$66.3M
Return on equity
13.4%
Efficiency ratio
56.8%
Third Coast Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+21.9%
Yes. Sales grew 21.9% last year.
Does it make a profit?
31.7%
Yes. It keeps 31.7% of every sale as profit.
How lean are its costs?
56.8%
Average. Running costs take 56.8% of revenue.
How much does it earn on its capital?
13.4%
Good. It earns 13.4% a year on shareholders’ money.
How is the share priced?
10.0x
One share costs 10.0 times its yearly profit per share.
What Third Coast Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 4, 2026
- Legal name
- Third Coast Bancshares, Inc.
- CIK
- 0001781730
Third Coast Bancshares, Inc. · TCBX
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $95.4M | $124M | $148M | $171M | $209M |
| Revenue growth | 35.2% | 29.6% | 19.4% | 16.0% | 21.9% |
| Net interest income | $90.6M | $116M | $140M | $161M | $195M |
| Net income | $11.4M | $18.7M | $33.4M | $47.7M | $66.3M |
| Net margin | 12.0% | 15.1% | 22.6% | 27.8% | 31.7% |
| Diluted EPS | $1.40 | $1.25 | $1.98 | $2.78 | $3.79 |
| Cash | |||||
| Cash from operations | $4.6M | $21.8M | $39.1M | $35.1M | $50.8M |
| Capital expenditure | $5.6M | $12.2M | $3.4M | $1.8M | — |
| Free cash flow | −$1.0M | $9.6M | $35.6M | $33.4M | — |
| FCF margin | −1.1% | 7.8% | 24.1% | 19.5% | — |
| Share count change | 28.6% | 69.0% | 22.7% | 1.5% | 2.0% |
| Debt and strength | |||||
| Cash and short-term investments | $327M | $330M | $297M | $371M | $175M |
| Loans, net | $2.0B | $3.1B | $3.6B | — | — |
| Deposits | $2.1B | $3.2B | $3.8B | $4.3B | $4.6B |
| Shareholders' equity | $299M | $382M | $412M | $461M | $531M |
| Returns and quality | |||||
| Return on equity | 5.4% | 5.5% | 8.4% | 10.9% | 13.4% |
| Return on tangible equity | 4.1% | 4.8% | 7.3% | 9.3% | 12.0% |
| Efficiency ratio | 74.4% | 71.4% | 67.6% | 60.9% | 56.8% |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$0.2M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Third Coast Bancshares, Inc. · TCBX
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $40.17 a share, the company is worth $817M: 10.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001781730). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.