Stocktoria

Third Coast Bancshares, Inc. TCBX

NYSE · stock · Savings Institutions, Not Federally Chartered · website · IPO 2021-11-09 · LEI

Third Coast Bancshares, Inc. statistics & valuation

Market cap$676.6M
P / E10.2×
P / B1.3×
Return on equity12.5%
Graham number +11.9%$50.90

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($50.90); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
202020212022202320242025
Operating margin (%)
202020212022202320242025
Return on equity (%)
10.10% 3.80% 4.90% 8.10% 10.30% 12.50% 202020212022202320242025
Shares outstanding
6.3M 13.4M 13.8M 16.9M 17.1M 17.5M 202020212022202320242025
Net debt ($)
202020212022202320242025
Share buybacks ($)
202020212022202320242025
Return on assets (%)
0.60% 0.50% 0.50% 0.80% 1.00% 1.20% 202020212022202320242025
Free cash flow margin (%)
202020212022202320242025
Debt / equity (×)
202020212022202320242025
EPS ($)
$1.91 $1.40 $1.25 $1.98 $2.78 $3.79 202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Third Coast Bancshares, Inc. trades at about 12× earnings — near its 10-year norm (10-year range 9.6×–17.1×, median 13×).

9.6× 17.1×

Shaded band = 10-year range (9.6×–17.1×); dot = today's 12×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020
Return on assets1.2%1.0%0.8%0.5%0.5%0.6%
Return on equity12.5%10.3%8.1%4.9%3.8%10.1%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.