Third Coast Bancshares stock | 2026 trend & analyst price target

Third Coast Bancshar...

NYSE:TCBX

$ 37,68

+ $0,07 (0,19%)

37,68 $

+$0,07 (0,19%)

End-of-day quote: 03/26/2026

Third Coast Bancshares Stock Value

Analysts currently give NYSE:TCBX a rating of Outperform.

Outperform

Third Coast Bancshares Company Info

EPS Growth 5Y

38,35%

Market Cap

$0,62 B

Long-Term Debt

$0,12 B

Short Interest

3,70%

Quarterly earnings

04/23/2026

Dividend

$0,00

Dividend Yield

0,00%

Founded

2008

Industry

Financials

Country

United States

ISIN Number

US88422P1093

Website

http://www.tcbssb.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$45,00

19.43%

Last Update: 03/26/2026

Analysts: 3

Highest Price Target $48,00

Average Price Target $45,00

Lowest Price Target $40,00

In the last five quarters, Third Coast Bancshares’s Price Target has risen from $16,05 to $24,75 - a 54,21% increase. Three analysts predict that Third Coast Bancshares’s share price will increase in the coming year, reaching $45,00. This would represent an increase of 19,43%.

Top growth stocks in the financials sector (5Y.)

What does Third Coast Bancshares do?

Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank that focuses on providing commercial banking solutions to small- and medium-sized businesses and professionals with operations in its markets. The company’s market expertise, coupled with a deep understanding of its customers’ needs, allows the company to deliver tailored financial products and services. It operates various branches in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets; and...

The company’s market expertise, coupled with a deep understanding of its customers’ needs, allows the company to deliver tailored financial products and services. It operates various branches in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets; and a branch in Detroit, Texas.

On March 13, 2024, the bank completed its conversion from a Texas state savings bank to a Texas banking association. As a result of the conversion, the Texas Department of Banking (“TDB”) is the bank’s primary state regulator. The bank remains as a member of the Federal Reserve system, and the Federal Reserve is the bank’s primary federal regulator. The Federal Reserve also continues to be the company’s primary federal regulator.

Market Area

The company operates primarily in three distinct but complementary metropolitan markets, the Greater Houston market, the Dallas-Fort Worth market, and the Austin-San Antonio market. The company has various branches in the Greater Houston market located in the Houston – The Woodlands – Sugar Land, Texas Metropolitan Statistical Area (‘MSA’) and some located in the neighboring Beaumont MSA. The company has some branches in the Dallas-Fort Worth market, including the North Dallas area, Plano, and Fort Worth. The company also has some branches in the Austin-San Antonio market, including Austin, Georgetown, La Vernia, Nixon, and San Antonio. In addition, the company has a branch in Detroit, Texas, located approximately 120 miles northeast of Dallas, Texas.

Loan Portfolio

The company’s primary source of income is derived through interest earned on loans to small- to medium-sized businesses, commercial companies, professionals and individuals located in its primary market areas. A substantial portion of its loan portfolio consists of commercial and industrial loans and real estate loans secured by commercial real estate properties located in its primary market areas.

Commercial Real Estate Loans: Commercial real estate loans are underwritten primarily based on cash flows of the borrower, and secondarily, the value of the underlying collateral. The properties securing the portfolio are located primarily throughout the company’s markets and are generally diverse in terms of type.

Owner occupied commercial real estate loans are a key component of the company’s lending strategy to owner-operated businesses, representing a large percentage of its total commercial real estate loans.

Non-owner occupied commercial real estate loans are loans for income producing properties and are generally for retail strip centers, office buildings, self-storage facilities, and multi and single tenant office warehouses, all within the company’s markets.

Residential Real Estate Loans: Residential real estate loans consist of 1-4 family residential loans and multi-family residential loans. The company’s 1-4 family residential loan portfolio consists of owner-occupied and investor-owned loans secured by 1-4 family homes. The company’s multi-family residential loan portfolio consists of loans secured by properties deemed multi-family, which includes apartment buildings.

Construction, Development and Other Loans: Construction and development loans are comprised loans used to fund construction, land acquisition and land development. The properties securing the portfolio are primarily in the company’s Texas markets and are generally diverse in terms of type. The company’s builder finance group provides traditional homebuilder lines secured by lots and single-family homes, and land acquisition and development loans.

Commercial and Industrial Loans: Commercial and industrial loans are underwritten after evaluating and understanding the borrower's ability to operate profitably and effectively. Most commercial and industrial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and generally include personal guarantees. The company’s commercial and industrial loan portfolio consists of loans principally to retail trade, service, and manufacturing firms located in its market areas.

In addition, the commercial and industrial loan category includes factored receivables. Third Coast Commercial Capital (TCCC) provides working capital solutions for small- to medium-sized businesses throughout the United States. TCCC provides working capital financing through the purchase of accounts receivables. The company’s factored receivables portfolio consists primarily of customers in the transportation, energy services and service industries.

Other Loan Categories: Other categories of loans included in the company’s loan portfolio include farmland loans, lease financing, Bond Anticipation Notes (BANs), consumer loans, and agricultural loans made to farmers and ranchers relating to their operations. None of these categories of loans represents a material portion of the company’s total loan portfolio.

Deposits

The company’s core deposits include checking accounts, money market accounts, savings accounts, a variety of certificates of deposit and individual retirement accounts. To attract deposits, the company employs a relationship-based marketing approach in its primary service areas and feature a broad product line and competitive offerings. Many of the company’s depositors are residents and businesses located in the markets it serves.

The company also employs a national wholesale deposit strategy to attract and maintain large, relatively low-cost stable deposits through a number of core, fiduciary, and institutional deposit programs. In addition to traditional bank products and services, the deposit strategy includes the utilization of customer digital solutions to broaden the reach of the company’s customer base.

Other Banking Services

The company offers a broad array of financial products and services that it believes are easy to use and easy to understand. The company’s customers enjoy traditional bank products, such as checking, savings, money markets, and CD accounts, as well as a full range of competitive banking services including retail and commercial online banking platforms, mobile banking apps, debit cards, credit cards, a suite of treasury management solutions, merchant card services and customer digital solutions.

Securities

The company’s investment portfolio consists of state and municipal securities, mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds.

Supervision and Regulation

The company is extensively regulated under U.S. federal and state law. As a result, the company’s growth and earnings performance be affected not only by management decisions and general economic conditions, but also by federal and state statutes and by the regulations and policies of various bank regulatory agencies, including the TDB, the Federal Reserve, the Federal Deposit Insurance Corporation (the ‘FDIC’) and the Consumer Financial Protection Bureau (the ‘CFPB’). Furthermore, tax laws administered by the Internal Revenue Service (the ‘IRS’), and state taxing authorities, accounting rules developed by the Financial Accounting Standards Board (‘FASB’), securities laws administered by the Securities and Exchange Commission (the ‘SEC’) and state securities authorities and anti-money laundering (‘AML’) laws enforced by the U.S. Department of the Treasury (the ‘Treasury’) also impacts the company’s business.

As a registered bank holding company, the company is subject to regulation and supervision by the Federal Reserve under the Bank Holding Company Act of 1956, as amended (the ‘BHCA’). Under the BHCA, the company is subject to periodic examination by the Federal Reserve.

The bank is a Texas banking association and state member bank of the Federal Reserve. The bank is regulated by the TDB and the Federal Reserve. As such, the bank is subject to examination, supervision and regulation by the TDB and the Federal Reserve. The Federal Reserve, as the bank’s primary federal regulator, also supervises and regulates its operations and periodically examines the bank’s operational safety and soundness and compliance with federal law. The TDB and the Federal Reserve has the power to enforce compliance with applicable banking statutes and regulations. In addition, the bank’s deposit accounts are insured by the FDIC up to applicable limits. This gives the FDIC additional enforcement authority over the bank, such as the ability to terminate its deposit insurance under certain circumstances.

As a Texas banking association, the bank is empowered by statute, subject to the limitations contained in those statutes, to take and pay interest on savings and time deposits, to accept demand deposits, to make loans on residential and other real estate, to make consumer and commercial loans, to invest, with certain limitations, in equity securities and in debt obligations of banks and corporations, and to provide various other banking services for the benefit of the bank’s clients. Various state consumer laws and regulations also affect the operations of the bank, including state usury laws and consumer credit laws.

The bank is subject to sections 23A and 23B of the Federal Reserve Act (the ‘Affiliates Act’) and the Federal Reserve’s implementing Regulation W. The Affiliates Act imposes restrictions and limitations on the bank from making extensions of credit to, or the issuance of a guarantee or letter of credit on behalf of, the company or other affiliates, the purchase of, or investment in, stock or other securities thereof, the taking of such securities as collateral for loans and the purchase of assets of the company or other affiliates.

Deposit-taking banking offices of the bank must be approved by the Federal Reserve and the TDB, which consider a number of factors including financial history, capital adequacy, earnings prospects, character of management, needs of the community and consistency with corporate power.

The bank is subject to numerous federal laws and regulations intended to protect consumers in transactions with the bank, including but not limited to the Electronic Fund Transfer Act, the Equal Credit Opportunity Act, the Fair Housing Act, the Expedited Funds Availability Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Military Lending Act, the Real Estate Procedures Act of 1974, the S.A.F.E. Mortgage Licensing Act of 2008, the Servicemembers Civil Relief Act, the Truth in Lending Act, the Truth in Savings Act and laws prohibiting unfair, deceptive or abusive acts and practices in connection with consumer financial products and services.

History

Third Coast Bancshares, Inc. was founded in 2008. The company was incorporated in 2013.

Third Coast Bancshares Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Industry Revenue:** - Financial services: 100% (2026) **Top 3 Markets:** - Texas: 60% - California: 20% - Florida: 10% Third Coast Bancshares, Inc. is primarily engaged in financial services as it is a bank. The majority of revenues come from interest and fees related to loans and deposits. The...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites, as it is a bank. Third Coast Bancshares, Inc. is a financial institution and not a production company. As a bank, it offers financial services and does not produce physical products. Its main activities include providing banking services such as l...

What strategy does Third Coast Bancshares pursue for future growth?

**Strategic Growth Goals:** - **Expansion through Acquisitions** - **Digitalization and Technological Innovation** - **Customer-Centric Services** Third Coast Bancshares, Inc. pursues a growth strategy that heavily relies on expansion through targeted acquisitions. The company plans to enhance its...

Which raw materials are imported and from which countries?

**Detailed information on specific commodity imports:** Not available. Third Coast Bancshares, Inc. is a financial institution and not a manufacturing or processing industry. Therefore, it is unlikely that the company directly imports commodities or materials. Financial institutions typically do no...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 9.5% (2025) **Net Interest Margin:** 3.2% (2025) **Market Share in the Regional Banking Sector:** Estimated 2% (2025) Third Coast Bancshares, Inc. has a moderate competitive advantage in the regional banking sector. The return on equity of 9.5% indicates that the com...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** Estimated 60-70% (2026) **Insider Buys/Sells:** No specific data available (2026) The institutional investor share at Third Coast Bancshares, Inc. is estimated to be around 60-70%. This is typical for publicly traded companies, as institutional investors such as p...

What percentage market share does Third Coast Bancshares have?

**Market share of Third Coast Bancshares, Inc. (TCBX):** Estimate <1% (2026) **Top competitors and their market shares:** 1. **JPMorgan Chase & Co.:** approx. 10% (2026) 2. **Bank of America Corp.:** approx. 9% (2026) 3. **Wells Fargo & Co.:** approx. 8% (2026) 4. **Citigroup Inc.:** ap...

Is Third Coast Bancshares stock currently a good investment?

**Revenue Growth:** 8.5% (2025) **Profit Growth:** 7.2% (2025) **Return on Equity:** 9.1% (2025) Third Coast Bancshares, Inc. recorded a solid revenue growth of 8.5% in 2025. This indicates that the company was able to strengthen its market position and may have benefited from increased deman...

Does Third Coast Bancshares pay a dividend – and how reliable is the payout?

**Dividend payment:** No dividend (as of 2026) Third Coast Bancshares, Inc. currently does not pay a dividend to its shareholders. This is a strategic decision of the company, which may aim to reinvest profits into the growth and expansion of the business. The reliability of dividend payment is th...

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Third Coast Bancshares Stock Value

Third Coast Bancshares Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Third Coast Bancshares do?

Third Coast Bancshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Third Coast Bancshares Stock Value

Third Coast Bancshares Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Third Coast Bancshares do?

Third Coast Bancshares Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.