Obermatt

Third Coast Bancshares

NYQ:TCBX · US88422P1093
BanksSmall

360

93
Profit price78
Cash yield1
Price/Sales81
EV / Gross Profit87
Price/Book86
Returns on capital48
Profit margins
Cash Conversion8
Accruals5
Owner Earnings Margin34
Sales growth81
Profit Growth50
Owner Earnings Growth13
Reinvestment90
Price momentum46
Debt load84
Debt serviceability25
Liquidity33
Analyst ratings35
Opinion Changes50
Price Target Upside69
Market mood96
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Third Coast Bancshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded2013
ISINUS88422P1093
Last UpdateApr 2, 2026

Description

Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank that focuses on providing commercial banking solutions to small- and medium-sized businesses and professionals with operations in its markets. The company’s market…

Analysis

Hidden champion

Third Coast Bancshares, Inc. fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.3×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is stretched. The company scores 13/20 on our value-creation score: creating some value.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
85
2023202420252026

All-time high

92

Jan 2024

All-time low

21

Jan 2023

Average rank

56

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
83
100
64
Price/Earnings
92
41
57
34
Price/Book
86
36
93
76
Dividend Yield
1
1
1
1
Value (overall)
66
31
74
41

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →