Is Third Coast Bancshares, Inc. (TCBX) Overvalued?
We dive into why Third Coast Bancshares, Inc. (TCBX) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in Texas, the United States. The company’s deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of commercial and residential real estate loans; construction, development and other loans; commercial and industrial loans; and farmland, consumer, and agricultural loans, as well as lease financing and bond anticipation notes, as well as financial products and services. The company also provides retail and commercial online banking platforms, mobile banking apps, treasury management solutions, merchant card services, and customer digital solutions, as well as debit and credit cards. In addition, it offers state and municipal and mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds. The company was founded in 2008 and is headquartered in Humble, Texas.
Commentary & Analysis
What You Need to Know About Third Coast Bancshares, Inc.'s Q3 Earnings
Third Coast Bancshares, Inc.'s fiscal Q3 earnings report was released on Wednesday, July 22. Let's dive in to see if (TCBX) missed or beat analyst's expectations.Michael Rose
5 Undervalued Banks Stocks for Tuesday, May 12
Discover the top 5 undervalued Banks stocks for Tuesday, May 12 based on AAII’s Stock Grades.Michael Rose
Why Third Coast Bancshares, Inc.’s (TCBX) Stock Is Down 5.75%
As of Thursday, April 23, Third Coast Bancshares, Inc.’s TCBX share price has dipped by 5.75%, which has investors questioning if this is right time to buy.Rosalio Madrigal
What You Need to Know About Third Coast Bancshares, Inc.'s Q2 Earnings
Third Coast Bancshares, Inc.'s fiscal Q2 earnings report was released on Wednesday, April 22. Let's dive in to see if (TCBX) missed or beat analyst's expectations.Rosalio Madrigal
Financial Summary
| Share Statistics | TCBX | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $739.5 | $740.4 | 41% |
|
| Shares Out (Mil) | 20.3 | 16.0 | 30% |
|
| Institutional Ownership | 87.6% | 84.0% | 55% |
|
| Float (Mil) | 15.2 | 21.6 | 25% |
|
| Beta | 0.64 | 0.44 | 38% |
|
| Avg Daily Volume (000s) | 111 | 42 | 37% |
|
| Price Change (52-week) |
12.1% | 94.1% | 60% |
|
| Growth | TCBX | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 26.2% | 7.7% | 87% |
|
| Net Income (5yr) | 40.5% | 11.1% | 91% |
|
| EPS (5yr) | 14.7% | 10.0% | 55 |
|
| Dividends (5yr) | 0.0% | 3.6% | 0% |
|
| Cash Flow (5yr) | (24.6%) | (17.2%) | 26% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 5 | 5 | 4 | |
| Current EPS | $1.005 | $3.976 | $4.320 | |
| Month Ago EPS | $1.001 | $3.950 | $4.260 | |
| # Rev Up | 0 | 2 | 1 | |
| # Rev Down | 2 | 0 | 1 | |
| Three Months Ago EPS | $0.993 | $3.920 | $4.203 | |
| Year/Year Chg | (7.0%) | 4.8% | na | |
| Financials | TCBX | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $229 | $193 | 33% |
|
| Net Income (TTM) (Mil) | $74 | $55 | 58% |
|
| EPS (TTM) | $4.703 | $2.500 | 85% |
|
| Operating Cash Flow (TTM) (Mil) | $33 | $34 | 44% |
|
| Net Cash Flow (TTM) (Mil) | $292 | $2 | 87% |
|
| Long-Term Debt (Q1) (Mil) | $97 | $98 | 44% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | TCBX | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.10 | 1.26 | 26% |
|
| P/E | 11.1 | 12.4 | 21% |
|
| Dividend Yield | 0.0% | 2.2% | 0% |
|
| PEG (5yr hist) | 0.8 | 1.1 | 37% |
|
| Ratios | TCBX | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | 32.5% | 29.2% | 90% |
|
| ROA | 1.3% | 1.1% | 50% |
|
| ROE | 12.7% | 11.3% | 65% |
|
| Liabilities to Assets | 90.0% | 89.7% | 86% |
|
| F-Score | 4 | 4 | 33% |
|
Passing Stock Screens
As of 9/17/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.1% |
| +/- S&P 500: | +5.6 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.8% |
| +/- S&P 500: | +6.3 |
