Stocks · Financial Services · Banks - Regional
Third Coast Bancshares, Inc. TCBX
$43.36 +1.14% Close, Oct 2, 2026 · NYSE · Market cap $611.4M
Inexpensive vs sector
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 11 quarters (average surprise over the last four: +16.6%).
- Operating margin narrowed to 13.5% from 20.9% a year earlier.
- Diluted EPS over the last four quarters was $4.13, up 38.1% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 25%
- EPS growth (TTM, YoY)Top 28%
- FCF growth (TTM, YoY)Bottom 9%
- Revenue growth, 3-year CAGRTop 14%
- Revenue growth accelerationBottom 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 32%
- Gross marginBottom 22%
- Operating marginBottom 29%
- Cash conversion (OCF / net income)Bottom 24%
- Accruals (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Top 5%
- Interest coverBottom 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 19%
- Free-cash-flow yieldBottom 29%
- EBITDA / enterprise valueTop 14%
- Sales / enterprise valueTop 11%
- P/E vs own 5-year history (lower is better)Top 18%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 36%
- 6-month returnTop 34%
- 1-year return vs S&P 500Top 36%
- Distance from 52-week highTop 33%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 16%
- Consecutive EPS beatsTop 8%
- Share of analysts rating BuyTop 34%
- Upside to consensus price targetBottom 41%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 39%
- Maximum drawdown, 3 yearsBottom 49%
- Beta vs S&P 500 (lower is better)Bottom 33%
- Net debt / EBITDA (lower is better)Top 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.9% | -0.8% | ↓ |
| EPS growth (YoY) | 48.1% | 38.1% | ↓ |
| Gross margin | 52.1% | 49.8% | ↓ |
| Operating margin | 20.9% | 13.5% | ↓ |
| FCF margin | 11.9% | 4.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -0.8% | 12.9% | ↓ | Bottom 25% |
| EPS growth (TTM, YoY) | 38.1% | 48.1% | ↓ | Top 28% |
| Gross margin | 49.8% | 52.1% | ↓ | Bottom 22% |
| Operating margin | 13.5% | 20.9% | ↓ | Bottom 29% |
| Net margin | 21.6% | 16.3% | ↑ | — |
| Free-cash-flow margin | 4.6% | 11.9% | ↓ | — |
| Return on invested capital | 4.4% | — | Top 32% | |
| Revenue growth, 3-year CAGR | 31.8% | — | Top 14% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.44×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +10.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -5.33×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.20%
- Shareholder yield
- -0.20%
- Share count change, 1 year
- -6.1%
- Share count change, 3-year CAGR
- -1.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 11
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +16.6%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $49.00
- Target vs current price
- +13.0%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 60%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +19.6% | +0.2% | +8.9% | +13.9% | — |
| Apr 22, 2026 | +4.8% | -1.0% | -7.1% | -10.5% | -0.8% |
| Jan 21, 2026 | +13.3% | +5.1% | +4.1% | +8.8% | +7.3% |
| Oct 22, 2025 | +28.7% | +0.3% | -3.9% | -8.0% | -2.7% |
| Jul 23, 2025 | +28.0% | +1.3% | +8.9% | +8.0% | +7.3% |
| Apr 23, 2025 | +11.4% | +1.0% | -1.6% | +5.1% | +19.0% |
| Jan 22, 2025 | +16.2% | -0.7% | +10.2% | +11.4% | -14.4% |
| Oct 23, 2024 | +37.0% | -0.1% | +19.9% | +28.4% | +21.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $1.08 | $0.90 | +19.6% | $68.0M |
| Apr 22, 2026 | $0.88 | $0.84 | +4.8% | $57.7M |
| Jan 21, 2026 | $1.02 | $0.90 | +13.3% | $56.5M |
| Oct 22, 2025 | $1.03 | $0.80 | +28.7% | $54.5M |
| Jul 23, 2025 | $0.96 | $0.75 | +28.0% | $51.6M |
| Apr 23, 2025 | $0.78 | $0.70 | +11.4% | $45.9M |
| Jan 22, 2025 | $0.79 | $0.68 | +16.2% | $46.1M |
| Oct 23, 2024 | $0.74 | $0.54 | +37.0% | $42.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.5× | 11.4× | 19th | Top 19% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 7.1× | — | — | Top 14% |
| EV / Sales | 1.01× | — | — | Top 11% |
| Free-cash-flow yield | 2.58% | — | — | Bottom 29% |
| Earnings yield | 9.52% | — | — | Top 19% |
P/E over the past five years
Range 8.9× – 30.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +16.0%
- Earnings per share growth (TTM)
- +38.1%
- Change in P/E multiple
- -12.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 61
- 50-day average slope (20 days)
- +3.4%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -2.4%
- Distance from 200-day average
- +6.6%
- RSI (14)
- 45.7
- Relative volume
- 0.65×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.84
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -6.0%
- Maximum drawdown, 3 years
- -28.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 6, 2021 | Apr 26, 2023 | -54.5% | 348 days | 372 days (Oct 17, 2024) |
| Feb 6, 2025 | Apr 10, 2025 | -28.9% | 44 days | 74 days (Jul 29, 2025) |
| Dec 11, 2024 | Jan 10, 2025 | -17.1% | 19 days | 17 days (Feb 5, 2025) |
| Feb 6, 2026 | Mar 18, 2026 | -16.1% | 27 days | 90 days (Jul 28, 2026) |
| Sep 18, 2025 | Nov 18, 2025 | -12.1% | 43 days | 21 days (Dec 18, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $611.4M
- P/E (TTM)
- 10.5
- EPS, diluted (TTM)
- $4.13
- Revenue (TTM)
- $344.8M
- 52-week range
- $35.73 – $46.36
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $103.2M | $160.2M | $274.1M | $338.1M | $366.9M |
| Gross profit | $83.2M | $110.5M | $140.7M | $164.8M | $202.8M |
| Operating income | $14.5M | $23.2M | $41.6M | $61.4M | $85.0M |
| Net income | $11.4M | $18.7M | $33.4M | $47.7M | $66.3M |
| EPS (diluted) | $1.40 | $1.25 | $1.98 | $2.78 | $3.79 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $85.0M | $88.2M | $83.6M | $90.9M | $96.1M | $96.4M | $101.4M | $50.9M |
| Net income | $12.8M | $13.7M | $13.6M | $16.7M | $18.1M | $17.9M | $16.4M | $22.0M |
| EPS (diluted) | $0.67 | $0.72 | $0.71 | $0.89 | $1.03 | $1.02 | $1.00 | $1.08 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $4.6M | $21.8M | $39.1M | $35.1M | $50.8M |
| Capital expenditure | -$5.6M | -$12.2M | -$3.4M | -$1.8M | -$2.7M |
| Free cash flow | -$1.0M | $9.6M | $35.6M | $33.4M | $48.2M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $162.4M | $1.5M | $47,000 | $656,000 | $779,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.01B
- Total assets
- $6.74B
- Total liabilities
- $6.06B
- Total debt
- $141.4M
- Net debt
- -$262.7M
- Shareholders’ equity
- $670.8M
As of Jun 30, 2026 (filed Aug 4, 2026).
Short interest
- Shares sold short
- 519,827
- Days to cover
- 4.30
- Change vs previous report
- -6.6%
FINRA short interest, settlement date Sep 15, 2026.