TCBX
Company Description
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.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | 366.95M | 338.07M | 274.08M | 160.18M | 103.19M | 83.55M | 50.28M |
| Net Income | 66.29M | 47.67M | 33.40M | 18.66M | 11.42M | 12.12M | 2.38M |
| EPS | 4.45 | 3.14 | 2.11 | 1.28 | 1.45 | 1.94 | 0.34 |
| Free Cash Flow | 48.16M | 33.37M | 35.64M | 9.60M | (1.04M) | (5.01M) | 611,000 |
| FCF / Share | 3.49 | 2.44 | 2.62 | 0.71 | -0.13 | -0.80 | 0.09 |
| Operating CF | 50.84M | 35.14M | 39.08M | 21.79M | 4.58M | (3.65M) | 3.59M |
| Total Assets | 5.34B | 4.94B | 4.40B | 3.77B | 2.50B | 1.87B | 928.34M |
| Total Debt | 136.97M | 132.53M | 141.71M | 129.43M | 1.00M | 33.88M | 30.38M |
| Cash & Equiv | 175.47M | 371.51M | 296.93M | 329.86M | 326.86M | 201.40M | 95.85M |
| Book Value | 531.03M | 460.72M | 411.97M | 381.78M | 299.01M | 121.72M | 57.30M |
| Return on Equity | 0.12 | 0.10 | 0.08 | 0.05 | 0.04 | 0.10 | 0.04 |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 101.42M | 96.36M | 96.11M | 90.87M | 83.60M | 88.22M | 85.01M | 83.85M | 80.99M | 79.09M | 70.98M | 64.69M |
| Net Income | 16.37M | 17.90M | 18.06M | 16.75M | 13.59M | 13.73M | 12.78M | 10.80M | 10.37M | 9.69M | 5.58M | 8.89M |
| EPS | 1.03 | 1.21 | 1.22 | 1.12 | 0.90 | 0.92 | 0.85 | 0.70 | 0.68 | 0.62 | 0.32 | 0.57 |
| Free Cash Flow | (52.83M) | 4.64M | 19.91M | 13.62M | 9.98M | (4.22M) | 21.93M | 6.23M | 9.43M | 17.11M | 1.87M | 9.39M |
| FCF / Share | -3.83 | 0.34 | 1.35 | 0.99 | 0.72 | -0.31 | 1.61 | 0.46 | 0.69 | 1.26 | 0.14 | 0.69 |
| Operating CF | (38.70M) | 5.74M | 20.75M | 13.88M | 10.47M | (3.63M) | 22.03M | 7.30M | 9.43M | 17.53M | 3.06M | 10.50M |
| Total Assets | 6.58B | 5.34B | 5.06B | 4.94B | 4.90B | 4.94B | 4.63B | 4.47B | 4.66B | 4.40B | 4.22B | 3.96B |
| Total Debt | 157.57M | 136.97M | 132.52M | 131.57M | 132.11M | 132.53M | 134.00M | 139.45M | 146.13M | 141.71M | 138.34M | 133.76M |
| Cash & Equiv | 425.44M | 175.47M | 116.65M | 113.40M | 219.35M | 371.51M | 258.19M | 242.16M | 367.83M | 296.93M | 142.12M | 244.81M |
| Book Value | 650.53M | 531.03M | 513.83M | 496.12M | 479.79M | 460.72M | 450.55M | 435.00M | 423.62M | 411.97M | 400.33M | 395.94M |
| Return on Equity | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.02 |
