Third Coast Bancshares, Inc. (TCBX) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Third Coast Bancshares, Inc. stock (TCBX) is currently trading at $37.61. Third Coast Bancshares, Inc. PE ratio is 9.97. Third Coast Bancshares, Inc. PS ratio (Price-to-Sales) is 3.09. Analyst consensus price target for TCBX is $44.33. WallStSmart rates TCBX as Moderate Buy.
- TCBX PE ratio analysis and historical PE chart
- TCBX PS ratio (Price-to-Sales) history and trend
- TCBX intrinsic value — DCF, Graham Number, EPV models
- TCBX stock price prediction 2025 2026 2027 2028 2029 2030
- TCBX fair value vs current price
- TCBX insider transactions and insider buying
- Is TCBX undervalued or overvalued?
- Third Coast Bancshares, Inc. financial analysis — revenue, earnings, cash flow
- TCBX Piotroski F-Score and Altman Z-Score
- TCBX analyst price target and Smart Rating
Third Coast Bancshares, Inc.
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TCBX Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Third Coast Bancshares, Inc. (TCBX)
TCBX trades at a significant discount to its Graham intrinsic value of $177.37, offering a 77% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Third Coast Bancshares, Inc. (TCBX) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Third Coast Bancshares, Inc. (TCBX) Key Strengths (6)
Keeps $40 of every $100 in revenue after operating costs
Keeps $33 of every $100 in revenue as net profit
Trading at 1.15x book value, attractively priced
Strong revenue growth at 20.10% annually
Strong earnings growth at 29.20% per year
52.96% held by institutions, strong professional interest
Supporting Valuation Data
Third Coast Bancshares, Inc. (TCBX) Areas to Watch (3)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.09x sales
Third Coast Bancshares, Inc. (TCBX) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 6 register as strengths (avg 8.7/10) while 3 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.15) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.40%, Profit Margin at 32.90%. Growth metrics are encouraging with Revenue Growth at 20.10%, EPS Growth at 29.20%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.09) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 13.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 20.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TCBX Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TCBX's Price-to-Sales ratio of 3.09x trades at a 34% premium to its historical average of 2.31x (75th percentile). The current valuation is 42% below its historical high of 5.34x set in Nov 2021, and 164% above its historical low of 1.17x in Feb 2024. Over the past 12 months, the PS ratio has expanded from ~1.6x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Third Coast Bancshares, Inc. (TCBX) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Third Coast Bancshares, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 201M with 20% growth year-over-year. Profit margins are strong at 32.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1340.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 32.9% and operating margin of 40.4% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Third Coast Bancshares, Inc. maintain 20%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Third Coast Bancshares, Inc..
Bottom Line
Third Coast Bancshares, Inc. offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(30 last 3 months)
| Insider | Type | Shares |
|---|---|---|
BOBBORA, WILLIAM See Remarks | Buy | +1,200 |
| Insider | Type | Shares |
|---|---|---|
PEACOCK, CHRISTOPHER SEAY See Remarks | Sell | -75 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:22 AM
About Third Coast Bancshares, Inc.(TCBX)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Third Coast Bancshares, Inc. is a banking holding company of Third Coast Bank, SSB that offers various commercial banking solutions to small and medium-sized businesses and professionals. The company is headquartered in Humble, Texas.