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Third Coast Bancshares (TCBX)

Market Price (5/11/2026): $38.57 | Market Cap: $571.4 Mil
Sector: Financials | Industry: Regional Banks

Third Coast Bancshares (TCBX)

Market Price (5/11/2026): $38.57
Market Cap: $571.4 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -101%

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25%

Low stock price volatility
Vol 12M is 29%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 343x

Not cash flow generative
FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -6.7%

Key risks
TCBX key risks include [1] its concentrated exposure to commercial real estate, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -101%
2 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25%
3 Low stock price volatility
Vol 12M is 29%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5 Expensive valuation multiples
P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 343x
6 Not cash flow generative
FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -6.7%
7 Key risks
TCBX key risks include [1] its concentrated exposure to commercial real estate, Show more.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Third Coast Bancshares (TCBX) stock has lost about 5% since 1/31/2026 because of the following key factors:

1. Third Coast Bancshares experienced a notable decline in its net interest margin (NIM) during the first quarter of 2026, which compressed profitability. The NIM fell to 3.67% in Q1 2026, a decrease of 43 basis points from 4.10% in the fourth quarter of 2025.

2. The company's net income was impacted by increased noninterest expenses, primarily due to costs associated with its merger. Net income for the first quarter of 2026 totaled $16.4 million, an 8.4% drop from $17.9 million in Q4 2025. This decline included approximately $3.3 million in pre-tax merger-related expenses stemming from the Keystone Bancshares acquisition, which closed on February 1, 2026.

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Stock Movement Drivers

Fundamental Drivers

The -5.1% change in TCBX stock from 1/31/2026 to 5/10/2026 was primarily driven by a -8.8% change in the company's P/E Multiple.
(LTM values as of)13120265102026Change
Stock Price ($)40.5638.48-5.1%
Change Contribution By: 
Total Revenues ($ Mil)19821910.8%
Net Income Margin (%)31.4%31.5%0.3%
P/E Multiple9.08.3-8.8%
Shares Outstanding (Mil)1415-6.4%
Cumulative Contribution-5.1%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2026 to 5/10/2026
ReturnCorrelation
TCBX-5.1% 
Market (SPY)3.6%41.1%
Sector (XLF)-3.6%62.2%

Fundamental Drivers

The 4.7% change in TCBX stock from 10/31/2025 to 5/10/2026 was primarily driven by a 17.9% change in the company's Total Revenues ($ Mil).
(LTM values as of)103120255102026Change
Stock Price ($)36.7538.484.7%
Change Contribution By: 
Total Revenues ($ Mil)18621917.9%
Net Income Margin (%)30.6%31.5%3.1%
P/E Multiple8.98.3-7.7%
Shares Outstanding (Mil)1415-6.6%
Cumulative Contribution4.7%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 5/10/2026
ReturnCorrelation
TCBX4.7% 
Market (SPY)5.5%37.6%
Sector (XLF)-1.3%55.0%

Fundamental Drivers

The 29.1% change in TCBX stock from 4/30/2025 to 5/10/2026 was primarily driven by a 28.6% change in the company's Total Revenues ($ Mil).
(LTM values as of)43020255102026Change
Stock Price ($)29.8038.4829.1%
Change Contribution By: 
Total Revenues ($ Mil)17021928.6%
Net Income Margin (%)28.0%31.5%12.7%
P/E Multiple8.68.3-3.6%
Shares Outstanding (Mil)1415-7.5%
Cumulative Contribution29.1%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2025 to 5/10/2026
ReturnCorrelation
TCBX29.1% 
Market (SPY)30.4%41.7%
Sector (XLF)6.7%55.1%

Fundamental Drivers

The 176.0% change in TCBX stock from 4/30/2023 to 5/10/2026 was primarily driven by a 107.1% change in the company's Net Income Margin (%).
(LTM values as of)43020235102026Change
Stock Price ($)13.9438.48176.0%
Change Contribution By: 
Total Revenues ($ Mil)12321978.7%
Net Income Margin (%)15.2%31.5%107.1%
P/E Multiple10.18.3-18.3%
Shares Outstanding (Mil)1415-8.7%
Cumulative Contribution176.0%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2023 to 5/10/2026
ReturnCorrelation
TCBX176.0% 
Market (SPY)78.7%45.4%
Sector (XLF)62.1%55.3%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
TCBX Return4%-29%8%71%12%1%53%
Peers Return23%-3%-5%18%1%11%48%
S&P 500 Return27%-19%24%23%16%7%95%

Monthly Win Rates [3]
TCBX Win Rate50%25%42%75%50%40% 
Peers Win Rate62%47%50%53%55%52% 
S&P 500 Win Rate75%42%67%75%67%60% 

Max Drawdowns [4]
TCBX Max Drawdown-0%-36%-30%-8%-19%-4% 
Peers Max Drawdown-3%-16%-31%-14%-17%-2% 
S&P 500 Max Drawdown-1%-25%-1%-2%-15%-7% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: PB, TCBI, CFR, FFIN, STEL.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/8/2026 (YTD)

How Low Can It Go

EventTCBXS&P 500
2025 US Tariff Shock
  % Loss-26.6%-18.8%
  % Gain to Breakeven36.3%23.1%
  Time to Breakeven110 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-19.3%-9.5%
  % Gain to Breakeven23.9%10.5%
  Time to Breakeven47 days24 days
2023 SVB Regional Banking Crisis
  % Loss-33.1%-6.7%
  % Gain to Breakeven49.5%7.1%
  Time to Breakeven92 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-36.3%-24.5%
  % Gain to Breakeven57.0%32.4%
  Time to Breakeven705 days427 days

Compare to PB, TCBI, CFR, FFIN, STEL

In The Past

Third Coast Bancshares's stock fell -26.6% during the 2025 US Tariff Shock. Such a loss loss requires a 36.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventTCBXS&P 500
2025 US Tariff Shock
  % Loss-26.6%-18.8%
  % Gain to Breakeven36.3%23.1%
  Time to Breakeven110 days79 days
2023 SVB Regional Banking Crisis
  % Loss-33.1%-6.7%
  % Gain to Breakeven49.5%7.1%
  Time to Breakeven92 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-36.3%-24.5%
  % Gain to Breakeven57.0%32.4%
  Time to Breakeven705 days427 days

Compare to PB, TCBI, CFR, FFIN, STEL

In The Past

Third Coast Bancshares's stock fell -26.6% during the 2025 US Tariff Shock. Such a loss loss requires a 36.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Third Coast Bancshares (TCBX)

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.

AI Analysis | Feedback

Here are 1-3 brief analogies for Third Coast Bancshares (TCBX):

  • It's like PNC Bank, but focused on small and medium businesses in Texas.
  • Think of it as the U.S. Bank for Texas businesses.

AI Analysis | Feedback

  • Deposit Products
    • Checking Accounts: Accounts allowing customers to deposit and withdraw money, typically with easy access via debit cards or checks.
    • Savings Accounts: Accounts designed for storing money, often earning interest, with less frequent access than checking accounts.
    • Individual Retirement Accounts (IRAs): Tax-advantaged savings plans designed to help individuals save for retirement.
    • Money Market Accounts: Interest-bearing accounts that typically offer higher interest rates than savings accounts and some check-writing privileges.
    • Certificates of Deposit (CDs): Time deposits that pay a fixed interest rate for a specified period, typically offering higher returns than savings accounts.
  • Loan Products
    • Commercial and Industrial Loans: Financing solutions provided to businesses for various purposes, including equipment purchases, working capital, and general business expansion.
  • Other Banking Services
    • Treasury Management Services: Services designed to help businesses manage their cash flow, liquidity, and financial risks efficiently.
    • Online and Mobile Banking: Digital platforms and applications allowing customers to manage their accounts and conduct transactions remotely.
    • Safe Deposit Boxes: Secure containers rented by customers to store valuable documents and items.
    • Wire Transfer Services: Electronic transfer of funds from one bank account to another.
    • Debit Cards: Payment cards linked directly to a checking account, allowing for purchases and ATM withdrawals.

AI Analysis | Feedback

Third Coast Bancshares (TCBX) sells primarily to other companies and professionals, but due to the confidential nature of banking relationships and the fact that its core customer base consists of small and medium-sized businesses and individual professionals, specific customer names are not publicly disclosed. The company also serves individual consumers.

Based on the company's description, its customer base can be categorized as follows:

  1. Small and Medium-Sized Businesses: These are a primary focus, receiving a range of commercial banking solutions, including commercial and industrial loans (such as equipment loans, working capital, auto finance, and commercial finance), as well as treasury management services and commercial online banking.
  2. Professionals: This category includes individuals such as doctors, lawyers, and other self-employed professionals who utilize the bank's commercial banking solutions to support their practices and businesses.
  3. Individual Consumers: While the bank's main emphasis is on commercial clients, it also serves individual consumers by offering deposit products like checking, savings, individual retirement, and money market accounts, certificates of deposit, and consumer online banking services.

AI Analysis | Feedback

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AI Analysis | Feedback

Bart O. Caraway, Founder, Chairman, President & CEO Mr. Caraway founded Third Coast Bank in 2008 and has served as the Chairman, President, and CEO of Third Coast Bancshares, Inc. since its formation in 2013. He possesses over 30 years of banking and public accounting experience and is a Texas licensed attorney and Certified Public Accountant. Before establishing Third Coast Bank, Mr. Caraway held executive roles at several other community banks. He also developed and led the financial institution and consulting practice at Briggs & Veselka Co.. He was recognized as a finalist for the Entrepreneur Of The Year® 2022 Central South Award. R. John McWhorter, Senior Executive Vice President & Chief Financial Officer Mr. McWhorter has served as Senior Executive Vice President and Chief Financial Officer since April 2015, bringing over 35 years of experience in banking, bank audit, and public accounting as a Certified Public Accountant. His career highlights include serving as EVP CFO at Bank of Houston until its acquisition by Independent Bank, and as EVP CFO at Cadence Bancorporation LLC. From 1990 to 2003, he was Senior Vice President and Controller of Amegy Bank, where he played a key role in taking the bank public and growing its assets to over $5 billion, which involved completing nine acquisitions and several capital offerings. Audrey A. Spaulding, Senior Executive Vice President & Chief Credit Officer Ms. Spaulding has served as Senior Executive Vice President and Chief Credit Officer since June 2015 (or January 2021). She has over 35 years of banking and bank regulator experience, having previously held positions as SVP Credit Officer and Director of Credit Risk Management at LegacyTexas Bank. She also served as a Senior and Commissioned Bank Examiner with The Federal Reserve Bank of Dallas. William Bobbora, Executive Vice President & Chief Banking Officer Mr. Bobbora joined Third Coast Bank in October 2021 and became Executive Vice President and Chief Banking Officer in May 2022. He brings over 30 years of experience in Commercial, Corporate, and Investment Banking. His prior roles include Head of Corporate Banking at Third Coast Bank, Managing Director of Regions Securities Corporate & Investment Banking, EVP Managing Director with Cadence Bank, and positions at Texas Commerce Bank (now JP Morgan Chase), Wachovia (now Wells Fargo), and KeyBanc Capital Markets. Vicki Alexander, Executive Vice President, Chief Risk & Operations Officer Ms. Alexander joined Third Coast Bank in September 2022 and has served as Executive Vice President, Chief Risk and Operations Officer since March 2024. Prior to this, she held the role of EVP Chief Compliance and Risk Officer at Third Coast Bank. Her extensive background includes serving as Managing Director of Protiviti, Chief Compliance Officer of FIS Global, Compliance Officer at SunTrust, and managing Global Technology and Operations Compliance at Bank of America.

AI Analysis | Feedback

The key risks to Third Coast Bancshares (TCBX) are primarily associated with its operational focus as a regional bank. *

Geographic Concentration Risk: Third Coast Bancshares operates predominantly in Texas, with branches concentrated in Greater Houston, Dallas-Fort Worth, and Austin-San Antonio. This geographic concentration exposes the company to a lack of diversification, meaning that a significant economic downturn or adverse local conditions in these Texas regions could disproportionately and negatively affect the company's profitability and financial performance.

*

Interest Rate Risk: As a bank holding company, Third Coast Bancshares' financial performance is heavily reliant on its net interest income. Fluctuations in interest rates, particularly if there is a mismatch between the rates earned on its interest-bearing assets (like loans) and the rates paid on its interest-bearing liabilities (like deposits and borrowed funds), can adversely impact its net interest margin and overall profitability.

*

Credit Risk: Third Coast Bancshares' loan portfolio, which includes a significant portion of commercial and industrial loans, as well as commercial real estate loans, carries inherent credit risk. While the company has maintained relatively stable credit quality and manageable non-performing assets recently, a deterioration in economic conditions or specific industry challenges could lead to an increase in loan defaults and delinquencies. Such an increase in non-performing loans would necessitate higher provisions for credit losses, thereby negatively impacting the company's earnings and financial health.

AI Analysis | Feedback

The clear emerging threat for Third Coast Bancshares is the increasing competition from **digital-first banks (neobanks) and specialized financial technology (fintech) companies**. These entities are leveraging technology to offer more streamlined, often lower-cost, and highly specialized banking solutions to small and medium-sized businesses and professionals, directly targeting Third Coast Bancshares' core customer base. They can offer superior digital experiences for deposits, lending, and treasury management without the overhead of a physical branch network, potentially drawing customers away from traditional regional banks.

AI Analysis | Feedback

The addressable market for Third Coast Bancshares (TCBX) for its main products and services can be estimated primarily within the state of Texas, where the company operates the majority of its branches.

The overall Commercial Banking industry in Texas is projected to have a market size of approximately $108.7 billion in 2026. This market encompasses key services such as receiving deposits and issuing commercial and industrial loans, which are central to Third Coast Bancshares' offerings.

More specifically, within the Dallas-Fort Worth region, banks held a cumulative total of $714.7 billion in deposits as of June 30, 2023. Texas' economy as a whole is significant, valued at $2.7 trillion, and the state has 15.8 million workers, indicating a substantial base for financial services.

For a broader perspective, the United States commercial banking market size is estimated at $765.53 billion in 2026 and is projected to grow to $954.48 billion by 2031. The commercial lending market in North America alone is projected to reach a valuation of $2,892.50 billion by 2025.

AI Analysis | Feedback

Third Coast Bancshares (TCBX) anticipates several key drivers for revenue growth over the next two to three years:
  1. Strategic Acquisitions and Market Expansion: The recently completed merger with Keystone Bancshares in Q1 2026 is a significant driver, expected to increase total assets to over $6 billion and deliver high single-digit earnings per share (EPS) accretion by next year. This merger notably enhances the company's presence in the Austin market and diversifies its loan portfolio. Third Coast Bancshares also remains open to additional strategic acquisition opportunities on a case-by-case basis.
  2. Organic Loan and Deposit Growth in Fastest-Growing Texas Markets: The company continues to prioritize robust organic growth in its core Texas markets, including Greater Houston, Dallas-Fort Worth, Austin-San Antonio. Third Coast Bancshares reported strong loan growth of 10.8% year-over-year in Q4 2025 and deposit growth of 7.3% year-over-year in the same period. The strategy involves leveraging the dynamic Texas economy to expand its customer base and market share, with a particular emphasis on driving core deposit growth through banker incentives and treasury management service offerings.
  3. Diversification and Enhancement of Banking Solutions: Third Coast Bancshares is focused on expanding its offerings through the enhancement of supplemental, specialty, and commercial banking solutions. This includes investments in high-touch, high-technology solutions to remain relevant with customers and further development of specialty lending verticals like SBA loans and working capital solutions. The success of these initiatives is already evident in the significant increase in service charges and fees, which rose 24% over Q3 and 55% year-over-year in Q4 2025, diversifying the company's revenue streams.
  4. Improved Operational Efficiencies and Net Interest Margin Management: The company aims to enhance profitability through improved operational efficiencies and strategic management of its net interest margin. Efforts include leveraging its established branch network to streamline operations and a continuous focus on maintaining a favorable efficiency ratio. Lower deposit costs have contributed to higher net interest income, and the company has demonstrated an ability to maintain a strong net interest margin.

AI Analysis | Feedback

Share Repurchases

  • Third Coast Bancshares, Inc. announced a new share repurchase program on June 17, 2025.
  • The program authorizes the company to repurchase up to $30 million of its common stock.
  • This share repurchase program is scheduled to expire on May 22, 2026.

Share Issuance

  • The company's shares outstanding significantly increased from 8.09 million in 2021 to 13.49 million in 2022, representing a 66.55% increase.
  • Third Coast Bancshares (TCBX) raised $88 million in an Initial Public Offering (IPO) during the week of November 8, 2021, issuing 3,500,000 shares at a price between $24.00 and $26.00 per share.
  • Shares outstanding continued to grow, reaching 13.86 million by the end of 2025.

Outbound Investments

  • Third Coast Bancshares, Inc. completed the acquisition of Keystone Bancshares, Inc. from a group of shareholders.

Capital Expenditures

  • Third Coast Bancshares, Inc. invested $422K in capital expenditures in the fourth quarter of 2023.
  • Over the trailing twelve months, capital expenditures totaled -$1.93 million, contributing to a free cash flow of $48.90 million.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1How Low Can Third Coast Bancshares Stock Really Go?10/17/2025
Title
0ARTICLES

Trade Ideas

Select ideas related to TCBX.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
EEFT_4302026_Dip_Buyer_ValueBuy04302026EEFTEuronet WorldwideDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		0.0%0.0%0.0%
HOMB_4242026_Insider_Buying_GTE_1Mil_EBITp+DE_V204242026HOMBHome BancSharesInsiderInsider Buys | Low D/EStrong Insider Buying
Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap		1.5%1.5%0.0%
HBAN_3312026_Insider_Buying_45D_2Buy_200K03312026HBANHuntington BancsharesInsiderInsider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days		7.1%7.1%0.0%
NP_3312026_Insider_Buying_45D_2Buy_200K03312026NPNeptune InsuranceInsiderInsider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days		3.9%3.9%0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper03272026JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-4.0%

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Peer Comparisons

Peers to compare with:

Financials

TCBXPBTCBICFRFFINSTELMedian
NameThird Co.Prosperi.Texas Ca.Cullen/F.First Fi.Stellar . 
Mkt Price38.4869.2699.96138.8532.2637.4653.87
Mkt Cap0.66.54.48.84.61.94.5
Rev LTM2191,2011,2992,270635430918
Op Inc LTM-------
FCF LTM-15517435663309115372
FCF 3Y Avg19527396462285117341
CFO LTM2550447807324119386
CFO 3Y Avg26556428604300122364

Growth & Margins

TCBXPBTCBICFRFFINSTELMedian
NameThird Co.Prosperi.Texas Ca.Cullen/F.First Fi.Stellar . 
Rev Chg LTM24.6%4.9%35.8%8.0%14.2%0.5%11.1%
Rev Chg 3Y Avg18.8%2.7%9.1%7.0%7.8%5.3%7.4%
Rev Chg Q25.2%3.3%15.5%6.4%12.5%6.0%9.5%
QoQ Delta Rev Chg LTM5.5%0.8%3.5%1.5%2.9%1.5%2.2%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM0.8%45.7%34.4%35.6%51.0%27.7%35.0%
CFO/Rev 3Y Avg16.0%49.2%39.1%28.5%53.9%27.9%33.8%
FCF/Rev LTM-6.7%43.0%33.5%29.2%48.6%26.8%31.4%
FCF/Rev 3Y Avg12.7%46.6%36.0%21.8%51.2%26.8%31.4%

Valuation

TCBXPBTCBICFRFFINSTELMedian
NameThird Co.Prosperi.Texas Ca.Cullen/F.First Fi.Stellar . 
Mkt Cap0.66.54.48.84.61.94.5
P/S2.65.43.43.97.34.44.1
P/Op Inc-------
P/EBIT-------
P/E8.312.012.313.117.518.112.7
P/CFO343.011.99.910.914.216.013.0
Total Yield12.1%11.7%8.1%10.6%8.0%7.1%9.3%
Dividend Yield0.0%3.4%0.0%2.9%2.3%1.6%1.9%
FCF Yield 3Y Avg6.3%8.0%11.5%5.9%6.1%7.8%7.1%
D/E0.30.30.20.00.00.10.1
Net D/E-1.0-1.6-0.5-1.0-0.2-1.0-1.0

Returns

TCBXPBTCBICFRFFINSTELMedian
NameThird Co.Prosperi.Texas Ca.Cullen/F.First Fi.Stellar . 
1M Rtn-6.6%0.6%-0.8%-2.6%3.5%0.1%-0.4%
3M Rtn-11.5%-6.2%-4.3%-4.7%-6.6%-4.0%-5.4%
6M Rtn4.9%4.4%15.2%12.1%4.2%25.5%8.5%
12M Rtn24.2%0.6%37.2%14.7%-4.8%44.9%19.5%
3Y Rtn145.1%30.9%128.5%58.5%34.7%88.1%73.3%
1M Excs Rtn-15.3%-8.9%-9.8%-12.6%-6.6%-9.1%-9.5%
3M Excs Rtn-18.2%-12.9%-11.0%-11.4%-13.4%-10.7%-12.2%
6M Excs Rtn-6.3%-3.2%8.4%4.7%-4.2%17.0%0.7%
12M Excs Rtn-2.0%-28.0%11.3%-14.6%-34.9%17.1%-8.3%
3Y Excs Rtn112.6%-52.1%32.7%-27.5%-59.4%0.6%-13.5%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Community banking1701471229369
Total1701471229369


Price Behavior

Price Behavior
Market Price$38.48 
Market Cap ($ Bil)0.5 
First Trading Date11/09/2021 
Distance from 52W High-11.5% 
   50 Days200 Days
DMA Price$38.76$38.92
DMA Trendupdown
Distance from DMA-0.7%-1.1%
 3M1YR
Volatility27.9%29.0%
Downside Capture0.770.46
Upside Capture64.6189.89
Correlation (SPY)39.7%40.9%
TCBX Betas & Captures as of 4/30/2026

 1M2M3M6M1Y3Y
Beta1.050.660.750.780.971.00
Up Beta0.550.580.540.881.270.90
Down Beta3.88-0.230.180.280.761.11
Up Capture61%62%80%87%85%132%
Bmk +ve Days15223166141428
Stock +ve Days11193161127375
Down Capture583%119%114%94%92%98%
Bmk -ve Days4183056108321
Stock -ve Days11233263122365

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with TCBX
TCBX27.9%29.3%0.85-
Sector ETF (XLF)5.2%14.6%0.1356.2%
Equity (SPY)29.0%12.5%1.8342.3%
Gold (GLD)39.8%27.0%1.223.1%
Commodities (DBC)50.6%18.0%2.21-14.6%
Real Estate (VNQ)13.0%13.5%0.6633.9%
Bitcoin (BTCUSD)-17.4%42.1%-0.3425.8%

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Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with TCBX
TCBX8.7%33.5%0.33-
Sector ETF (XLF)8.9%18.6%0.3649.6%
Equity (SPY)12.8%17.1%0.5942.1%
Gold (GLD)20.9%17.9%0.952.9%
Commodities (DBC)13.8%19.1%0.591.4%
Real Estate (VNQ)3.4%18.8%0.0838.9%
Bitcoin (BTCUSD)7.0%56.0%0.3417.3%

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Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with TCBX
TCBX4.3%33.5%0.33-
Sector ETF (XLF)12.6%22.2%0.5249.6%
Equity (SPY)15.1%17.9%0.7242.1%
Gold (GLD)13.4%15.9%0.692.9%
Commodities (DBC)9.3%17.8%0.441.4%
Real Estate (VNQ)5.8%20.7%0.2438.9%
Bitcoin (BTCUSD)67.8%66.9%1.0717.3%

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Short Interest

Short Interest: As Of Date4152026
Short Interest: Shares Quantity0.3 Mil
Short Interest: % Change Since 3312026-9.8%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest4.1 days
Basic Shares Quantity14.8 Mil
Short % of Basic Shares2.2%

Returns Analyses

Earnings Returns History

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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/22/2026-4.7%-8.1% 
1/21/20265.2%-1.9%4.2%
10/22/2025-3.0%-6.7%-7.6%
7/23/20252.8%5.8%5.8%
4/23/2025-4.7%-2.3%0.8%
1/22/20255.2%7.6%6.4%
10/23/20245.8%19.4%27.5%
7/24/20241.8%-5.2%-5.8%
...
SUMMARY STATS   
# Positive101111
# Negative876
Median Positive4.4%3.6%6.4%
Median Negative-2.2%-5.2%-4.6%
Max Positive15.5%19.4%27.5%
Max Negative-9.3%-12.3%-9.2%

SEC Filings

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Report DateFiling DateFiling
03/31/202605/05/202610-Q
12/31/202503/04/202610-K
09/30/202511/04/202510-Q
06/30/202508/05/202510-Q
03/31/202505/06/202510-Q
12/31/202403/05/202510-K
09/30/202411/05/202410-Q
06/30/202408/08/202410-Q
03/31/202405/07/202410-Q
12/31/202303/07/202410-K
09/30/202311/07/202310-Q
06/30/202308/08/202310-Q
03/31/202305/09/202310-Q
12/31/202203/15/202310-K
09/30/202211/10/202210-Q
06/30/202208/09/202210-Q

Insider Activity

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#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Bobbora, WilliamSee RemarksDirectBuy224202639.621,20047,5381,913,642Form
2Brunson, W. Donald DirectSell1202202538.551,50057,8181,436,505Form
3Bobbora, WilliamSee RemarksDirectSell1120202536.302458,8941,710,099Form
4Eber, LizSee RemarksDirectBuy1119202536.481354,92524,733Form
5Glander, Troy Andrew DirectSell1030202536.961,70663,0571,065,717Form

Industry Resources

External Quote Links


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