THIRD COAST BANCSHARES INC (TCBX)
Financials · regional banks · NYSE
Third Coast Bancshares is a Texas-based regional banking organization providing commercial and consumer banking services to businesses and individuals.
What THIRD COAST BANCSHARES INC does
Third Coast Bancshares, Inc. is a bank holding company that provides a range of commercial and consumer banking services through its subsidiary, Third Coast Bank, SSB. The company focuses on serving small to medium-sized businesses, professionals, and individuals, offering services such as commercial and consumer lending, deposit accounts, and treasury management. It operates primarily in Texas.
Themes: regional banking, commercial lending, Texas financial market, M&A consolidation
Fundamentals
- Price$40.76 as of 2026-10-21 close
- Market cap$679M as of 2026-07-31 (share count; price 2026-10-21)
- 1-year return+4.1% 2025-10-21 close $39.17 → 2026-10-21 close $40.76
- P/E10.14 as of 2026-10-21
- ROE+12.5% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equityn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Beta0.85 as of 2026-09-02
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: pays a dividend.
How TCBX compares in its sector
- price-to-earnings ratiobottom 25% 487 covered Financials peers, as of 2026-10-21
- return on equitymiddle range 558 covered Financials peers, as of 2026-09-02
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Quarterly results
| Quarter | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|
| Q2 FY2026 2026-06-30 | $22M | $1.08 | $45M† |
| Q1 FY2026 2026-03-31 | $16M | $0.88 | -$39M |
| Q4 FY2025 2025-12-31 | $18M† | $1.02† | $6M† |
| Q3 FY2025 2025-09-30 | $18M | $1.03 | $21M† |
| Q2 FY2025 2025-06-30 | $17M | $0.96 | $14M† |
| Q1 FY2025 2025-03-31 | $14M | $0.78 | $10M |
| Q4 FY2024 2024-12-31 | $14M† | $0.79† | -$4M† |
| Q3 FY2024 2024-09-30 | $13M | $0.74 | $22M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$404M
- Total debtnot shown the filing tags none of the debt lines we read — not evidence of zero debt
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How THIRD COAST BANCSHARES INC looks technically
THIRD COAST BANCSHARES INC (TCBX) is trading 0.0% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 66 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 37, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 3 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 0.0% below its 200-day average, the long-term trend line — a long-term downtrend | -0.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $43.80 | $43.80 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $40.78 | $40.78 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 47 calendar days ago — the swings before that are what the structure reading is measured on | 47 sessions |
| Wave structure | its recent swings can be read as a completed five-part upward sequence — the pattern Elliott-wave chartists call an impulse — which on that reading would now be due a pullback rather than more of the same; the labelling fails if price closes above 46.14. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible five-wave upward sequence, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 66 trading days ago — a "golden cross", a bullish long-term signal | 66 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 24.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 37, neither overbought (above 70) nor oversold (below 30) | 37.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($40.36 to $44.17) — its "stochastic" reading is 11 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 10.5 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 45 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $46.35 | $46.35 |
|---|---|---|
| From the 52-week high | it is 12.1% below its 52-week high (its highest price of the past year) | -12.1% |
| Above the 52-week low | it is 14.1% above its 52-week low (its lowest price of the past year) | +14.1% |
| Below the 52-week high | it is 12.1% below its highest point of the past year | 12.1% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day low about 3 trading days ago | 3 sessions |
| All-time high | its highest closing price on record is $46.35 (set on 2026-08-17) | $46.35 |
| Given back of the 52-week move | over the past year its closes ranged ($36.05 to $46.13), and it has given back around half of its rise from last year’s low — 53% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $39.58 to $39.90. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 53.3% |
| From the all-time high | it is 12.1% below its all-time high | -12.1% |
| Nearest price level | it is sitting right on a resistance level at $40.96 — a price it turned at six times since 2025-08-27, most recently on 2026-07-01. Since 2024-10-21 it has 9 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.5% |
| All-time low | its lowest closing price on record is $12.30 (set on 2023-05-04) | $12.30 |
| Above the all-time low | it is 231.2% above its all-time low | +231.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 41st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.14 between its high and its low — about 2.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.14 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $40.34 and $43.77 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $40.34 – $42.05 – $43.77 |
| Typical daily range (% of price) | its price moves about 2.8% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.8% |
| Stretch from the 200-day average | it is sitting essentially on its 200-day average price (0.1% below it in plain percentage terms) | at its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.68× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
4
| Since a doji | 8 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 8 sessions ago |
|---|---|---|
| Since a hammer | 9 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 9 sessions ago |
| Since a bullish engulfing | 7 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 7 sessions ago |
| Since a bearish engulfing | today it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | today |
Price gaps
2
| Gap at the open | it opened on 2026-10-21 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.2% |
|---|---|---|
| Gap filled | a 2.1% gap down opened on 2026-10-07 has been "filled" 8 sessions ago — price traded back through the level the gap left behind, and it took 2 sessions to close | 8 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 7.4 percentage points (the stock lost 7.5% while the market lost 0.1%) | -7.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 1.6 percentage points (the stock gained 1.7% while the market gained 3.3%) | -1.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 10.3 percentage points (the stock lost 0.5% while the market gained 9.8%) | -10.3% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 11.1 percentage points (the stock gained 4.1% while the market gained 15.2%) | -11.1% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.2% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 6.0% of the share price. | -4.2% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 1% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $41.17 — a volume-weighted average of daily closes over 199 sessions, not a true tick-by-tick VWAP. | -1.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 7% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $43.67 — a volume-weighted average of daily closes over 65 sessions, not a true tick-by-tick VWAP. | -6.7% |
Price levels it has turned at before
TCBX last closed at $40.76 on 2026-10-21. Since 2024-10-21 it has turned at 9 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $40.96 | Resistance | 0.5% above the last close | turned there six times · 2025-08-27 to 2026-07-01 |
| $39.69 | Support | 2.6% below the last close | turned there twice · 2025-07-30 to 2026-07-22 |
| $39.00 | Support | 4.3% below the last close | turned there 9 times · 2025-02-06 to 2026-07-08 |
| $42.73 | Resistance | 4.8% above the last close | turned there twice · 2026-01-22 to 2026-04-17 |
| $37.91 | Support | 7.0% below the last close | turned there three times · 2024-12-11 to 2026-06-17 |
| $43.73 | Resistance | 7.3% above the last close | turned there four times · 2026-02-06 to 2026-10-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $46.14.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 4 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 28 trading days, since 2026-09-14.
Read from daily closes as of 2026-10-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Trading below the 50-day moving average · Broke down to a new 20-day low · lagging the market · Printed a bearish engulfing pair · At the bottom of its 14-day range (stochastic below 20) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.14 mean, 1=Strong Buy…5=Strong Sell) — 7 analysts
- Mean price target$48.43 range $40.00 – $56.00; median $48.00
Analyst estimates, as of 2026-10-20. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for TCBX
- Consensus EPS estimate$1.00 next reporting period, as of 2026-10-20
- Estimate change, 30 days-$0.00283 (-0.3%) from $1.00, on 2026-09-15, 35-day window
- Readings revised upward10% of 10 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Interest rate sensitivity and market risk impacting net interest income.","Potential adverse effects of future claims or litigation.","Risks associated with integrating acquired entities, such as Keystone Bancshares, Inc."]
What changed in the latest 10-Q
AI-assisted comparison of TCBX's 10-Q filed 2026-05-05 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-05) references Form 10-K filed March 4, 2026; older filing (2025-11-04) references Form 10-K filed March 5, 2025
- Newer filing includes Item 2 section on 'Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities' with stock repurchase table for Q1 2026 (January-March 2026 periods)
- Newer filing includes details of $30 million share repurchase program authorized June 17, 2025, with Federal Reserve approval June 16, 2025, expiring May 22, 2026
- Newer filing includes Item 5 on Rule 10b5-1 trading arrangements for the three months ended March 31, 2026
- Newer filing includes Exhibit 2.1 referencing Agreement and Plan of Reorganization dated October 22, 2025 with Keystone Bancshares, Inc.
- Newer filing includes Exhibit 10.1 referencing Employment Agreement dated October 22, 2025 for Jeff Wilkinson
- Removed:
- Older filing (2025-11-04) contains extensive 'Risks Relating to the Merger' section describing merger completion uncertainties, integration challenges, and termination fee provisions; this section is not present in newer filing (2026-05-05)
- Older filing contains discussion of business uncertainties and contractual restrictions while merger is pending; not in newer filing
- Reworded:
- Internal Control over Financial Reporting section: period changed from 'quarter ended September 30, 2025' (older) to 'quarter ended March 31, 2026' (newer)
- Item 1A Risk Factors: older text states 'Other than as set forth below, there have been no material changes' with subsequent merger risk discussion; newer text states 'There have been no material changes' with no merger risk section following
- Notes:
- Older filing text is truncated at the end of the 'Risks Relating to the Merger' section; full comparison of that section is not possible
- Newer filing text is also truncated near the end (Exhibit 10.2 description incomplete); full exhibit list comparison not possible
Risk Factors
- Added:
- Reference to 2025 Form 10-K filed March 4, 2026 (newer filing dated 2026-05-05)
- Balance sheet comparative date of March 31, 2026 vs December 31, 2025 (newer filing)
- Income statement for three months ended March 31, 2026 (newer filing)
- Comprehensive income statement for three months ended March 31, 2026 (newer filing)
- Changes in shareholders' equity statement showing data through first quarter 2026 (newer filing)
- Removed:
- Reference to 2024 Form 10-K filed March 5, 2025 (older filing dated 2025-11-04)
- Balance sheet comparative date of September 30, 2025 vs December 31, 2024 (older filing)
- Income statement for three months ended September 30, 2025 and nine months ended September 30, 2025 (older filing)
- Comprehensive income statement for three months and nine months ended September 30, 2025 (older filing)
- Changes in shareholders' equity statement showing data through Q3 2025 (older filing)
- Reworded:
- Risk Factors section preamble references updated from 2024 10-K (filed 2025) to 2025 10-K (filed 2026)
- Financial reporting period changed from third quarter ended September 30, 2025 to first quarter ended March 31, 2026
- Notes:
- The two filings represent different reporting periods (Q3 2025 vs Q1 2026) with different comparative bases (2024 vs 2025), making direct financial metric comparisons subject to timing differences
- The Risk Factors section text itself appears substantially similar in structure and wording, with changes limited to forward references to the appropriate Form 10-K
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-17. The 5 days since 2026-10-17 have not been checked yet.
- Last 180 days · read to 2026-10-170 buys · 1 sell ($100728) — 1 selling insider
Most recent open-market transaction: 2026-06-15. Based on Form 4 filings read through 2026-10-17; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about TCBX's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding TCBX as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,673,255
- Reported value $67,599,492
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about TCBX's institutional holders → See what each manager we track holds →
Short interest (FINRA)
TCBX had 540,534 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
TCBX had 3.25% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.84 days to cover at the same settlement.
- Reported short interest (shares) 540,534
- Short interest (% of shares outstanding) 3.25%
- Prior settlement (shares) 519,827
- Reported change 3.98%
- Days to cover (reported) 4.84
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Independent Bank Group (IBTX)
- Hilltop Holdings (HTH)
- Veritex Holdings (VBTX)
- Cadence Bank (CADE)
- Southside Bancshares (SBSI)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare TCBX vs…
THIRD COAST BANCSHARES INC is found in…
Frequently asked questions
What does THIRD COAST BANCSHARES INC (TCBX) do?
Third Coast Bancshares, Inc. is a bank holding company that provides a range of commercial and consumer banking services through its subsidiary, Third Coast Bank, SSB. The company focuses on serving small to medium-sized businesses, professionals, and individuals, offering services such as commercial and consumer lending, deposit accounts, and treasury management. It operates primarily in Texas.
What sector is THIRD COAST BANCSHARES INC (TCBX) in?
THIRD COAST BANCSHARES INC (TCBX) is classified in the Financials sector. Its industry is regional banks. It trades on NYSE.
Does TCBX pay a dividend?
Yes — THIRD COAST BANCSHARES INC (TCBX) pays a dividend (market data, as of 2026-09-02). Informational only — not financial advice.
Who are THIRD COAST BANCSHARES INC's (TCBX) competitors?
Notable peers of THIRD COAST BANCSHARES INC (TCBX) include Independent Bank Group, Hilltop Holdings, Veritex Holdings, Cadence Bank and Southside Bancshares. This peer set is informational only — not financial advice.
Is THIRD COAST BANCSHARES INC (TCBX) overbought or oversold right now?
THIRD COAST BANCSHARES INC (TCBX) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 37, in the neutral middle (as of 2026-10-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on TCBX come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.