Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc.

TCBXยทNASDAQ

$37.51

-0.49%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$519.12M
EPS4.4500
P/E Ratio8.43
Earnings Date04/21/2026
tcbx

Third Coast Bancshares, Inc. Street Expectations Map

TCBX ยท NASDAQ

Wall Street analysts project that TCBX stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 46.00, with estimates ranging from a low of 46.00 to a high of 46.00.

Lowest Target
46.00
22.65%
Consensus Target
46.00
22.65%
Highest Target
46.00
22.65%

The consensus 1-year price target stands at 46.00, with estimates ranging from a low of 46.00 to a high of 46.00.

Analyst Consensus Analysis

Upside Potential

+22.6%

Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.

Analyst Agreement

0.0% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Analyst Conviction

Very High

Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.

Market Sentiment Insight

Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.

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Third Coast Bancshares, Inc. Forward Estimates of Revenue

TCBX ยท NASDAQ
Latest Revenue
354.03M
FY 2025
Avg Estimate
213.84M
FY 2026
Estimate Range
213.12M - 215.01M
Analyst Spread

Forward Growth Analysis

Projected Growth-39.6%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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Third Coast Bancshares, Inc. Forward Estimates of Net Income

TCBX ยท NASDAQ
Latest Net Income
66.29M
FY 2025
Avg Estimate
61.85M
FY 2026
Estimate Range
61.50M - 62.21M
Analyst Spread

Forward Growth Analysis

Projected Growth-6.7%

Declining expectations indicate headwindsโ€”investigate whether temporary or structural issues.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

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Third Coast Bancshares, Inc. Forward Estimates of EPS

TCBX ยท NASDAQ
Latest EPS
4.45
FY 2025
Avg Estimate
$3.60
FY 2026
Estimate Range
$3.59 - $3.63
Analyst Spread

Forward Growth Analysis

Projected Growth-19.0%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

Key Insight

Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.

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Third Coast Bancshares, Inc. Forward Estimates of EBIT

TCBX ยท NASDAQ
Latest EBIT
0.00
FY 2025
Avg Estimate
34.43M
FY 2026
Estimate Range
34.32M - 34.62M
Analyst Spread

Forward Growth Analysis

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

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Third Coast Bancshares, Inc. Forward Estimates of EBITDA

TCBX ยท NASDAQ
Latest EBITDA
0.00
FY 2025
Avg Estimate
36.24M
FY 2026
Estimate Range
36.12M - 36.44M
Analyst Spread

Forward Growth Analysis

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

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Third Coast Bancshares, Inc. Forward Estimates of SG&A Expense

TCBX ยท NASDAQ
Latest SG&A Expense
2.14M
FY 2025
Avg Estimate
70.77M
FY 2026
Estimate Range
70.53M - 71.16M
Analyst Spread

Forward Growth Analysis

Projected Growth+3200.8%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage2 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Third Coast Bancshares, Inc. Insider Positioning

TCBX ยท NASDAQ

During the last 12 months, insiders have purchased $353K and sold $189K worth of TCBX shares, resulting in $163K of net buying activity.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

1.2K

47.54K

Sold

0

0.00

Net Activity

+48K

+$48K

6-9 Months

Bought

135

4.92K

Sold

2.1K

75.80K

Net Activity

-71K

-$71K

9-12 Months

Bought

9.6K

300.31K

Sold

3.0K

113.59K

Net Activity

+187K

+$187K

Top Buyers

1
BD

Bonnen Dennis

Director

8.3K sharesโ€ข1 transactions

$251K

2
BW

Bobbora William

Officer: See Remarks

2.5K sharesโ€ข2 transactions

$96K

3
EL

Eber Liz

Officer: See Remarks

135 sharesโ€ข1 transactions

$5K

Top Sellers

1
GTA

Glander Troy Andrew

Director

4.7K sharesโ€ข2 transactions

$177K

2
BW

Bobbora William

Officer: See Remarks

245 sharesโ€ข1 transactions

$9K

3
BWD

Brunson W. Donald

Director

100 sharesโ€ข1 transactions

$4K

Insider Activity Analysis

Net Insider Sentiment

Bullish

Moderately bullish with $163K net buying. Insiders show cautious optimism through measured share purchases.

Buy/Sell Ratio

1.86:1

Positive buy/sell ratio. Buying exceeds or matches selling, indicating net positive insider sentiment.

Insider Participation

Balanced

3 insider buyers and 3 sellers. Equal participation suggests mixed or neutral insider views.

Insider Activity Insight

Broad-based insider buying: When multiple insiders independently decide to purchase shares, it often reflects genuine confidence rather than coordinated optics. This pattern deserves attention, especially if buying followed a price decline.