Third Coast Bancshares (TCBX)
Market Price (11/6/2026): $39.11 | Market Cap: $653.4 MilSector: Financials | Industry: Regional Banks
Third Coast Bancshares (TCBX)
Market Price (11/6/2026): $39.11Market Cap: $653.4 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal 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 6.3% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -64% Low stock price volatilityVol 12M is 27% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Weak multi-year price returns2Y Excs Rtn is -15% | Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 31x Key risksTCBX key risks include [1] its concentrated exposure to commercial real estate, Show more. |
| Attractive yieldTotal 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 6.3% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -64% |
| Low stock price volatilityVol 12M is 27% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Weak multi-year price returns2Y Excs Rtn is -15% |
| Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 31x |
| Key risksTCBX key risks include [1] its concentrated exposure to commercial real estate, Show more. |
Qualitative Assessment
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Third Coast Bancshares (TCBX) stock has lost about 10% since 7/31/2026 because of the following key factors:
1. Net Interest Margin (NIM) Compression and Sequential Decline in Net Interest Income.
Third Coast Bancshares experienced a compression in its Net Interest Margin (NIM) to 3.70% in fiscal Q3 2026 (ended September 2026), down from 3.83% in the preceding fiscal Q2 2026 and 4.10% in fiscal Q3 2025. Concurrently, net interest income decreased by 1.2% sequentially in fiscal Q3 2026, reaching $59.5 million. This decline in a key profitability metric likely contributed to investor concerns.
2. Increased Noninterest Expenses and Worsened Efficiency Ratio Due to Acquisition Costs.
The company's noninterest expenses rose to $41.6 million in fiscal Q3 2026, a figure that included $3.2 million in acquisition-related costs associated with the pending merger with Great Plains Bancshares. These expenses contributed to a deterioration of the efficiency ratio, which worsened to 63.10% in fiscal Q3 2026 from 56.51% in fiscal Q2 2026. While the acquisition is strategic, these initial costs negatively impacted short-term financial performance.
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Third Coast Bancshares (TCBX) stock has lost about 10% since 7/31/2026 because of the following key factors:
1. Net Interest Margin (NIM) Compression and Sequential Decline in Net Interest Income.
Third Coast Bancshares experienced a compression in its Net Interest Margin (NIM) to 3.70% in fiscal Q3 2026 (ended September 2026), down from 3.83% in the preceding fiscal Q2 2026 and 4.10% in fiscal Q3 2025. Concurrently, net interest income decreased by 1.2% sequentially in fiscal Q3 2026, reaching $59.5 million. This decline in a key profitability metric likely contributed to investor concerns.
2. Increased Noninterest Expenses and Worsened Efficiency Ratio Due to Acquisition Costs.
The company's noninterest expenses rose to $41.6 million in fiscal Q3 2026, a figure that included $3.2 million in acquisition-related costs associated with the pending merger with Great Plains Bancshares. These expenses contributed to a deterioration of the efficiency ratio, which worsened to 63.10% in fiscal Q3 2026 from 56.51% in fiscal Q2 2026. While the acquisition is strategic, these initial costs negatively impacted short-term financial performance.
3. Slight Deterioration in Asset Quality.
Third Coast Bancshares reported a modest increase in nonperforming loans, which grew to $29.0 million, representing 0.53% of total loans, in fiscal Q3 2026. This is up from $27.1 million, or 0.50% of total loans, reported in fiscal Q2 2026, indicating a minor weakening in credit quality.
4. Analyst Price Target Reductions and Revised Earnings Estimates.
Following the fiscal Q3 2026 earnings report, some analysts revised their outlook for TCBX. Notably, Keefe, Bruyette & Woods lowered its price target from $48 to $46 on November 3, 2026, maintaining a "market perform" rating. Similarly, StoneX reduced its price target from $56 to $54 on October 23, 2026, and decreased its earnings estimates for fiscal years 2026 and 2027 by $0.07 and $0.13, respectively. These adjustments reflect a more cautious stance from the analyst community regarding future performance.
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Stock Movement Drivers
Fundamental Drivers
The -10.8% change in TCBX stock from 7/31/2026 to 11/5/2026 was primarily driven by a -11.1% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 7312026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 43.84 | 39.10 | -10.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 219 | 245 | 11.9% |
| Net Income Margin (%) | 31.5% | 30.7% | -2.7% |
| P/E Multiple | 9.4 | 8.7 | -8.0% |
| Shares Outstanding (Mil) | 15 | 17 | -11.1% |
| Cumulative Contribution | -10.8% |
Market Drivers
7/31/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| TCBX | -10.8% | |
| Market (SPY) | -1.9% | 36.8% |
| Sector (XLF) | 1.0% | 48.7% |
Fundamental Drivers
The 4.7% change in TCBX stock from 4/30/2026 to 11/5/2026 was primarily driven by a 18.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 37.34 | 39.10 | 4.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 208 | 245 | 18.1% |
| Net Income Margin (%) | 31.9% | 30.7% | -3.9% |
| P/E Multiple | 7.8 | 8.7 | 10.6% |
| Shares Outstanding (Mil) | 14 | 17 | -16.6% |
| Cumulative Contribution | 4.7% |
Market Drivers
4/30/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| TCBX | 4.7% | |
| Market (SPY) | 2.3% | 14.8% |
| Sector (XLF) | 10.7% | 41.1% |
Fundamental Drivers
The 6.4% change in TCBX stock from 10/31/2025 to 11/5/2026 was primarily driven by a 31.9% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 10312025 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 36.75 | 39.10 | 6.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 186 | 245 | 31.9% |
| Net Income Margin (%) | 30.6% | 30.7% | 0.4% |
| P/E Multiple | 8.9 | 8.7 | -3.3% |
| Shares Outstanding (Mil) | 14 | 17 | -16.9% |
| Cumulative Contribution | 6.4% |
Market Drivers
10/31/2025 to 11/5/2026| Return | Correlation | |
|---|---|---|
| TCBX | 6.4% | |
| Market (SPY) | 8.4% | 26.0% |
| Sector (XLF) | 11.1% | 49.1% |
Fundamental Drivers
The 152.1% change in TCBX stock from 10/31/2023 to 11/5/2026 was primarily driven by a 77.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 10312023 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.51 | 39.10 | 152.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 139 | 245 | 77.1% |
| Net Income Margin (%) | 23.4% | 30.7% | 31.0% |
| P/E Multiple | 6.5 | 8.7 | 33.1% |
| Shares Outstanding (Mil) | 14 | 17 | -18.4% |
| Cumulative Contribution | 152.1% |
Market Drivers
10/31/2023 to 11/5/2026| Return | Correlation | |
|---|---|---|
| TCBX | 152.1% | |
| Market (SPY) | 81.3% | 42.3% |
| Sector (XLF) | 85.5% | 54.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| TCBX Return | 4% | -29% | 8% | 71% | 12% | 3% | 56% |
| Peers Return | 28% | -6% | -6% | 18% | -1% | 14% | 49% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 105% |
Monthly Win Rates [3] | |||||||
| TCBX Win Rate | 50% | 25% | 42% | 75% | 50% | 45% | |
| Peers Win Rate | 63% | 45% | 47% | 52% | 53% | 51% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 45% | |
Max Drawdowns [4] | |||||||
| TCBX Max Drawdown | - | -36% | -34% | -16% | -29% | -16% | |
| Peers Max Drawdown | -22% | -27% | -36% | -17% | -23% | -15% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PB, TCBI, CFR, FFIN, SBSI.
[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 11/5/2026 (YTD)
How Low Can It Go
| Event | TCBX | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -26.6% | -18.8% |
| % Gain to Breakeven | 36.3% | 23.1% |
| Time to Breakeven | 110 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -19.3% | -9.5% |
| % Gain to Breakeven | 23.9% | 10.5% |
| Time to Breakeven | 47 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -33.1% | -6.7% |
| % Gain to Breakeven | 49.5% | 7.1% |
| Time to Breakeven | 92 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -36.3% | -24.5% |
| % Gain to Breakeven | 57.0% | 32.4% |
| Time to Breakeven | 705 days | 427 days |
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.
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| Event | TCBX | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -26.6% | -18.8% |
| % Gain to Breakeven | 36.3% | 23.1% |
| Time to Breakeven | 110 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -33.1% | -6.7% |
| % Gain to Breakeven | 49.5% | 7.1% |
| Time to Breakeven | 92 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -36.3% | -24.5% |
| % Gain to Breakeven | 57.0% | 32.4% |
| Time to Breakeven | 705 days | 427 days |
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. (TCBX) operates as a bank holding company, primarily through its subsidiary, Third Coast Bank, SSB. The company's core business involves offering comprehensive commercial banking solutions. It functions as a community-focused bank, catering to the financial needs of businesses and professionals within its operational regions.
The bank provides a diverse range of products and services. Its deposit offerings include standard checking, savings, individual retirement accounts (IRAs), money market accounts, and certificates of deposit. On the lending side, TCBX specializes in commercial and industrial loans, which encompass financing for equipment, working capital, auto-related businesses, and other commercial ventures. Additionally, the company offers various ancillary services such as treasury management, consumer and commercial online banking, mobile applications, safe deposit boxes, wire transfer services, and debit cards.
TCBX primarily serves small and medium-sized businesses and individual professionals. Its operational footprint is concentrated in key Texas markets, with eleven branches spread across Greater Houston, Dallas-Fort Worth, and Austin-San Antonio. The company also maintains a single branch in Detroit, Texas. Founded in 2008 and headquartered in Humble, Texas, Third Coast Bancshares aims to support local economies by providing tailored financial services to its target customer segments.
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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.
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- 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.
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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:
- 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.
- 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.
- 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.
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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.
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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.
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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.
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- 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.
- 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.
- 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.
- 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.
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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.
Peer Outperformance in Regional Banks
null| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 33.1% | 75.7% | 125.1% | SPNT 168% · RGA 162% · RNR 141% |
| Investment Banking & Brokerage | 13 | -3.9% | 89.1% | 93.1% | IBKR 305% · SNEX 152% · GS 141% |
| Diversified Banks | 12 | 30.0% | 140.4% | 90.3% | CM 144% · RY 129% · JPM 127% |
| Life & Health Insurance | 20 | 14.3% | 52.3% | 75.4% | JXN 514% · UNM 224% · FG 188% |
| Property & Casualty Insurance | 42 | 18.9% | 76.8% | 66.8% | TRV 178% · PGR 172% · ACGL 168% |
| Multi-Sector Holdings | 3 | 10.1% | 53.8% | 59.4% | BRK-B 99% · VOYA 59% · JEF 37% |
| Multi-line Insurance | 9 | 9.5% | 71.4% | 59.4% | AIZ 105% · GNW 104% · L 98% |
| Regional Banks ← | 263 | 30.0% | 87.5% | 46.7% | CBC 268% · FCNCA 176% · NIC 136% |
| Insurance Brokers | 15 | 5.5% | 13.4% | 33.4% | LIFE 287% · ARX 89% · WTW 56% |
| Financial Exchanges & Data | 15 | 20.6% | 37.2% | 27.9% | CBOE 183% · VIRT 131% · CME 71% |
| Asset Management & Custody Banks | 83 | -5.9% | 22.8% | 12.3% | VCTR 210% · AAMI 207% · WT 205% |
| Consumer Finance | 30 | 2.9% | 81.0% | 8.1% | ENVA 330% · FCFS 130% · ECPG 111% |
| Commercial & Residential Mortgage Finance | 14 | -46.5% | 36.8% | 2.5% | FNMA 327% · FMCC 293% · ACT 158% |
| Diversified Financial Services | 4 | -1.6% | 20.1% | -1.1% | FRHC 153% · EQH 71% |
| Specialized Finance | 3 | 15.8% | 31.5% | -19.7% | HASI -20% · CACC -24% |
| Transaction & Payment Processing Services | 17 | 19.3% | 9.1% | -29.4% | V 103% · MA 94% · CPAY 83% |
| Mortgage REITs | 35 | -18.0% | -6.1% | -37.2% | RITM 36% · DX 17% · AGNC 10% |
| Diversified Capital Markets | 20 | -47.1% | -8.5% | -70.1% | LPLA 83% · TW 38% · RIOT -53% |
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Third Coast Bancshares Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 55.55 |
| Mkt Cap | 4.4 |
| Rev LTM | 990 |
| Op Inc LTM | - |
| FCF LTM | 398 |
| FCF 3Y Avg | 348 |
| CFO LTM | 417 |
| CFO 3Y Avg | 373 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.4% |
| Rev Chg 3Y Avg | 7.3% |
| Rev Chg Q | 14.9% |
| QoQ Delta Rev Chg LTM | 3.5% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 41.7% |
| CFO/Rev 3Y Avg | 38.0% |
| FCF/Rev LTM | 39.9% |
| FCF/Rev 3Y Avg | 33.5% |
Price Behavior
| Market Price | $39.10 | |
| Market Cap ($ Bil) | 0.7 | |
| First Trading Date | 11/09/2021 | |
| Distance from 52W High | -15.2% | |
| 50 Days | 200 Days | |
| DMA Price | $42.62 | $40.90 |
| DMA Trend | down | indeterminate |
| Distance from DMA | -8.3% | -4.4% |
| 3M | 1YR | |
| Volatility | 21.3% | 26.9% |
| Downside Capture | 80.35 | 65.24 |
| Upside Capture | 28.70 | 68.75 |
| Correlation (S&P 500) | 21.9% | 23.3% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.53 | 0.47 | 0.43 | 0.13 | 0.49 | 0.89 |
| Up Beta | -1.39 | -0.84 | 0.17 | -0.20 | 0.43 | 0.81 |
| Down Beta | 0.68 | 0.60 | 0.62 | -0.26 | 0.05 | 1.00 |
| Up Capture | 5% | 23% | 18% | 35% | 56% | 89% |
| Bmk +ve Days | 12 | 18 | 28 | 62 | 130 | 427 |
| Stock +ve Days | 13 | 20 | 33 | 69 | 130 | 386 |
| Down Capture | 94% | 107% | 79% | 35% | 73% | 93% |
| Bmk -ve Days | 10 | 25 | 36 | 64 | 121 | 325 |
| Stock -ve Days | 9 | 23 | 31 | 57 | 120 | 358 |
[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 | |
|---|---|---|---|---|
| TCBX | 8.2% | 26.9% | 0.26 | - |
| Sector ETF (XLF) | 11.1% | 15.2% | 0.47 | 49.2% |
| Equity (SPY) | 9.5% | 13.6% | 0.41 | 25.9% |
| Gold (GLD) | 3.6% | 28.7% | 0.11 | 4.6% |
| Commodities (DBC) | 37.7% | 21.2% | 1.40 | -24.7% |
| Real Estate (VNQ) | 12.0% | 14.2% | 0.55 | 33.3% |
| Bitcoin (BTCUSD) | -20.8% | 43.3% | -0.42 | 11.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TCBX | |
|---|---|---|---|---|
| TCBX | 9.1% | 32.7% | 0.31 | - |
| Sector ETF (XLF) | 9.1% | 18.4% | 0.36 | 49.2% |
| Equity (SPY) | 11.3% | 17.3% | 0.48 | 40.2% |
| Gold (GLD) | 17.5% | 19.1% | 0.74 | 2.5% |
| Commodities (DBC) | 8.0% | 19.6% | 0.29 | -0.3% |
| Real Estate (VNQ) | 1.2% | 18.9% | -0.05 | 39.0% |
| Bitcoin (BTCUSD) | 5.9% | 51.5% | 0.29 | 16.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TCBX | |
|---|---|---|---|---|
| TCBX | 4.4% | 32.7% | 0.31 | - |
| Sector ETF (XLF) | 13.3% | 22.1% | 0.54 | 49.2% |
| Equity (SPY) | 14.9% | 18.0% | 0.70 | 40.2% |
| Gold (GLD) | 12.0% | 16.5% | 0.59 | 2.5% |
| Commodities (DBC) | 7.6% | 18.1% | 0.33 | -0.3% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.23 | 39.0% |
| Bitcoin (BTCUSD) | 61.3% | 66.2% | 1.01 | 16.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 10/30/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/21/2026 | -1.9% | -1.2% | |
| 7/22/2026 | 5.6% | 10.5% | 12.8% |
| 4/22/2026 | -4.7% | -8.1% | -6.4% |
| 1/21/2026 | 5.2% | -1.9% | 4.2% |
| 10/22/2025 | -3.0% | -6.7% | -7.6% |
| 7/23/2025 | 2.8% | 5.8% | 5.8% |
| 4/23/2025 | -4.7% | -2.3% | 0.8% |
| 1/22/2025 | 5.2% | 7.6% | 6.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 12 | 12 |
| # Negative | 9 | 8 | 7 |
| Median Positive | 5.2% | 4.7% | 6.9% |
| Median Negative | -1.9% | -3.7% | -5.8% |
| Max Positive | 15.5% | 19.4% | 27.5% |
| Max Negative | -9.3% | -12.3% | -9.2% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/21/2026 | -1.9% | -1.2% | |
| 7/22/2026 | 5.6% | 10.5% | 12.8% |
| 4/22/2026 | -4.7% | -8.1% | -6.4% |
| 1/21/2026 | 5.2% | -1.9% | 4.2% |
| 10/22/2025 | -3.0% | -6.7% | -7.6% |
| 7/23/2025 | 2.8% | 5.8% | 5.8% |
| 4/23/2025 | -4.7% | -2.3% | 0.8% |
| 1/22/2025 | 5.2% | 7.6% | 6.4% |
| 10/23/2024 | 5.8% | 19.4% | 27.5% |
| 7/24/2024 | 1.8% | -5.2% | -5.8% |
| 4/24/2024 | -1.1% | 1.8% | 7.5% |
| 1/25/2024 | 3.5% | 2.0% | -1.0% |
| 10/25/2023 | -1.5% | 1.0% | 9.9% |
| 7/26/2023 | 3.7% | 6.0% | 1.0% |
| 4/26/2023 | 8.2% | 1.3% | 27.3% |
| 1/26/2023 | 0.5% | 3.6% | -0.5% |
| 10/27/2022 | 15.5% | 16.3% | 14.1% |
| 7/27/2022 | -9.3% | -12.3% | -9.2% |
| 4/28/2022 | -1.4% | 1.7% | 3.3% |
| 1/27/2022 | -1.0% | -0.8% | -3.4% |
| SUMMARY STATS | |||
| # Positive | 11 | 12 | 12 |
| # Negative | 9 | 8 | 7 |
| Median Positive | 5.2% | 4.7% | 6.9% |
| Median Negative | -1.9% | -3.7% | -5.8% |
| Max Positive | 15.5% | 19.4% | 27.5% |
| Max Negative | -9.3% | -12.3% | -9.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2026 | 11/03/2026 | 10-Q |
| 06/30/2026 | 08/04/2026 | 10-Q |
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 03/04/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 03/05/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 03/07/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/15/2023 | 10-K |
| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2026 | 11/03/2026 | 10-Q |
| 06/30/2026 | 08/04/2026 | 10-Q |
| 03/31/2026 | 05/05/2026 | 10-Q |
| 12/31/2025 | 03/04/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 03/05/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 03/07/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/15/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
| 12/31/2021 | 03/17/2022 | 10-K |
| 09/30/2021 | 12/22/2021 | 10-Q |
| 06/30/2021 | 11/09/2021 | 424B4 |
Insider Activity
Updated 10/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bobbora, William | See Remarks | Direct | Buy | 10262026 | 40.34 | 1,000 | 40,340 | 2,132,160 | Form |
| 2 | Glander, Troy Andrew | Direct | Sell | 6162026 | 40.29 | 2,500 | 100,728 | 1,114,092 | Form | |
| 3 | Bobbora, William | See Remarks | Direct | Buy | 2242026 | 39.62 | 1,200 | 47,538 | 1,913,642 | Form |
| 4 | Brunson, W. Donald | Direct | Sell | 12022025 | 38.55 | 1,500 | 57,818 | 1,436,505 | Form | |
| 5 | Bobbora, William | See Remarks | Direct | Sell | 11202025 | 36.30 | 245 | 8,894 | 1,710,099 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bobbora, William | See Remarks | Direct | Buy | 10262026 | 40.34 | 1,000 | 40,340 | 2,132,160 | Form |
| 2 | Glander, Troy Andrew | Direct | Sell | 6162026 | 40.29 | 2,500 | 100,728 | 1,114,092 | Form | |
| 3 | Bobbora, William | See Remarks | Direct | Buy | 2242026 | 39.62 | 1,200 | 47,538 | 1,913,642 | Form |
| 4 | Brunson, W. Donald | Direct | Sell | 12022025 | 38.55 | 1,500 | 57,818 | 1,436,505 | Form | |
| 5 | Bobbora, William | See Remarks | Direct | Sell | 11202025 | 36.30 | 245 | 8,894 | 1,710,099 | Form |
| 6 | Eber, Liz | See Remarks | Direct | Buy | 11192025 | 36.48 | 135 | 4,925 | 24,733 | Form |
| 7 | Glander, Troy Andrew | Direct | Sell | 10302025 | 36.96 | 1,706 | 63,057 | 1,065,717 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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