profit from every $100 of sales.
$0$100
Third Coast Bancshares
$39.89+0.78% today
+6.6% in 1 year
1-year low $36.051-year high $46.13
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.05 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Third Coast Bancshares sold, what it kept, and what it did with the cash.
Sales went from $123 million in 2022 to $208 million in 2025, with $66.3 million of profit last year.
SalesProfit
Third Coast Bancshares handed back 10% of the cash it generated last year.
$5M
Free cash flow 2025$48M
Bought back its own shares–
Paid as dividends$5M
Cash vs. debt$175M vs. $137M
Third Coast Bancshares vs. similar companies
Third Coast Bancshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Third Coast Bancshares | 10.1× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Third Coast Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 123 | 147 | 170 | 208 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 19 | 33 | 48 | 66 | |
| 1.25 | 1.98 | 2.78 | 3.79 | |
| – | – | – | – | |
| – | – | – | – | |
| 15.2% | 22.7% | 28.0% | 31.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,773 | 4,396 | 4,942 | 5,341 |
| Cash | 330 | 297 | 372 | 175 |
| Total debt | 129 | 142 | 133 | 137 |
| Total liabilities | 3,391 | 3,984 | 4,482 | 4,810 |
| 382 | 412 | 461 | 531 | |
| 14 | 17 | 17 | 17 | |
| – | – | – | – | |
| 4.9% | 8.1% | 10.3% | 12.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 22 | 39 | 35 | 51 | |
| 12 | 3 | 2 | 3 | |
| 10 | 36 | 33 | 48 | |
| Dividends paid | 0 | 5 | 5 | 5 |
| 0 | 0 | – | – | |
| 1 | 2 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.1×
- 10.3×
- 0.22
- 0.8×
- 3.2×
- 9.9%
- 0.0%
Profitability
- 31.9%
- 1.1%
- 6.3%
- 12.6%
- 1.0%
Growth
- +19.2%
- +44.7%
- –
- +15.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 26%of 749
Top 49%of 604
Top 27%of 872
Top 27%of 883
Top 36%of 931
What analysts expect
- Average price target
- $45.00
- Range
- $45.00 – $45.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.88 | 0.84 | +4.8% |
| Jan 21, 2026 | 1.02 | 0.90 | +13.3% |
| Oct 22, 2025 | 1.03 | 0.80 | +28.7% |
| Jul 23, 2025 | 0.96 | 0.75 | +28.0% |
| Apr 23, 2025 | 0.78 | 0.70 | +11.4% |
| Jan 22, 2025 | 0.79 | 0.68 | +16.2% |
| Oct 23, 2024 | 0.74 | 0.54 | +37.0% |
| Jul 24, 2024 | 0.63 | 0.57 | +10.5% |
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
92Pass
Philip Fisher
76Pass
Peter Lynch
96Pass
Joel Greenblatt
22No pass
Charlie Munger
53No pass
Terry Smith
51No pass
Questions about Third Coast Bancshares
Is Third Coast Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Third Coast Bancshares AI analysis
What does Third Coast Bancshares do?
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. It is in Banks - Regional.
Does Third Coast Bancshares pay a dividend?
Yes. In 2025 it paid out $4.75 million in dividends.
Is Third Coast Bancshares stock halal?
No. Third Coast Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Third Coast Bancshares stock done over the past year?
Up 6.6% over the past twelve months, to $39.89. It traded between $36.05 and $46.13 and is 13.5% below its high.
Who are Third Coast Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Third Coast Bancshares's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.