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Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in Texas, the United States. The company's deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of commercial and residential real estate loans; construction, development and other loans; commercial and industrial loans; and farmland, consumer, and agricultural loans, as well as lease financing and bond anticipation notes, as well as financial products and services. The company also provides retail and commercial online banking platforms, mobile banking apps, treasury management solutions, merchant card services, and customer digital solutions, as well as debit and credit cards. In addition, it offers state and municipal and mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds. The company was founded in 2008 and is headquartered in Humble, Texas.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 82.75M | 61.35M | 41.61M | 23.17M | 14.48M |
| Net income | 66.29M | 47.67M | 33.40M | 18.66M | 11.42M |
| Selling general administrative | 77.19M | 65.12M | 63.16M | 56.51M | 48.64M |
| Selling and marketing expenses | 2.14M | 1.71M | 2.63M | 1.91M | 1.89M |
| Gross profit | 202.79M | 164.77M | 266.54M | 122.34M | 93.12M |
| Reconciled depreciation | 4.75M | 4.62M | 0.25M | -0.48M | -0.27M |
| Ebit | 84.99M | 61.35M | 41.61M | 60.27M | 14.48M |
| Ebitda | 90.04M | 65.97M | 41.61M | 59.79M | 14.21M |
| Depreciation and amortization | 5.05M | 4.62M | 3.66M | -0.48M | -0.27M |
| Operating income | 84.99M | 61.35M | 41.61M | 60.27M | 14.48M |
| Other operating expenses | 281.96M | 276.72M | 2.63M | 1.91M | -78.64M |
| Interest expense | 158.81M | 167.60M | 127.02M | 37.49M | 10.06M |
| Tax provision | 16.45M | 13.68M | 7.73M | 4.51M | 3.06M |
| Interest income | 354.03M | 328.36M | 240.63M | 153.95M | 100.61M |
| Net interest income | 195.22M | 160.76M | 134.34M | 116.45M | 90.55M |
| Income tax expense | 16.45M | 13.68M | 8.21M | 4.51M | 3.06M |
| Total revenue | 366.95M | 338.07M | 266.54M | 122.34M | 93.12M |
| Total operating expenses | 117.80M | 103.42M | 2.63M | 1.91M | -78.64M |
| Cost of revenue | 164.16M | 173.30M | 133.34M | - | - |
| Total other income expense net | -2.25M | -265.30M | 41.61M | -37.10M | -10.06M |
| Net income from continuing ops | 66.29M | 47.67M | 31.24M | 18.66M | 11.42M |
| Net income applicable to common shares | - | - | - | 17.24M | 11.42M |
| Preferred stock and other adjustments | - | - | - | 1.42M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5340.76M | 4942.45M | 4399.68M | 3773.15M | 2499.41M |
| Intangible assets | - | 18.84M | 0.97M | 1.13M | 1.29M |
| Other current assets | - | - | 434.96M | 18.34M | 2071.09M |
| Total liab | 4809.73M | 4481.73M | 3987.71M | 3391.37M | 1.44M |
| Total stockholder equity | 531.03M | 460.72M | 411.97M | 381.78M | 299.01M |
| Other current liab | 4626.89M | 4310.50M | 3699.84M | -33.42M | -1.44M |
| Common stock | 13.97M | 13.85M | 13.68M | 13.61M | 13.48M |
| Capital stock | 14.04M | 13.92M | 13.75M | 13.68M | 13.48M |
| Retained earnings | 183.24M | 121.70M | 78.78M | 53.27M | 36.03M |
| Other liab | - | - | - | 14.02M | 7.77M |
| Good will | 18.68M | 18.84M | 18.03M | 18.03M | 18.03M |
| Other assets | 4688.15M | 4085.07M | 0.00M | 3449.23M | 2071.09M |
| Cash | 175.47M | 371.51M | 296.93M | 329.86M | 326.86M |
| Total current liabilities | 4670.72M | 4347.65M | 3702.98M | 33.42M | 1.44M |
| Current deferred revenue | - | - | -4.79M | - | - |
| Net debt | -38.50M | -238.98M | -155.22M | -200.43M | -325.86M |
| Short term debt | 37.88M | 30.88M | 3.14M | 30.88M | 1.00M |
| Short long term debt | 37.88M | 30.88M | 38.88M | 30.88M | 1.00M |
| Short long term debt total | 136.97M | 132.53M | 141.71M | 129.43M | 1.00M |
| Other stockholder equity | 322.83M | 320.60M | 318.51M | 316.93M | 248.10M |
| Property plant equipment | - | - | - | 28.66M | 19.05M |
| Total current assets | 428.62M | 781.36M | 434.96M | 194.41M | 363.52M |
| Long term investments | 575.20M | 384.02M | 178.09M | 3268.67M | 2083.39M |
| Net tangible assets | - | - | - | 362.55M | 279.68M |
| Short term investments | 223.91M | 384.02M | 178.09M | 176.07M | 26.43M |
| Net receivables | 29.24M | 25.82M | 23.12M | 18.34M | 10.23M |
| Long term debt | 80.97M | 80.76M | 80.55M | 80.35M | - |
| Inventory | - | - | 273.81M | - | 1.68M |
| Accounts payable | 5.96M | 6.28M | 4.79M | 2.54M | 0.44M |
| Accumulated other comprehensive income | 10.92M | 4.51M | 0.93M | -2.10M | 1.39M |
| Common stock total equity | - | - | - | 13.61M | 13.48M |
| Preferred stock total equity | - | - | - | 0.07M | - |
| Retained earnings total equity | - | - | - | 53.27M | 36.03M |
| Treasury stock | - | - | - | -1.10M | -1.10M |
| Non currrent assets other | 140.52M | 152.11M | 3858.02M | -118.56M | -4.12M |
| Non current assets total | 4912.14M | 4161.09M | 3964.72M | 129.51M | 64.80M |
| Capital lease obligations | 18.13M | 20.90M | 22.28M | 18.21M | - |
| Long term debt total | - | - | - | 80.35M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -180.72M | -520.93M | -622.76M | -1190.89M | -493.61M |
| Change to liabilities | - | - | - | 7.55M | 0.34M |
| Total cashflows from investing activities | -610.20M | -520.93M | -529.53M | -1239.53M | -500.06M |
| Net borrowings | 7.00M | -8.00M | 8.00M | 80.19M | -32.88M |
| Total cash from financing activities | 319.39M | 495.15M | 570.29M | 1222.73M | 618.94M |
| Change to operating activities | - | - | - | 7.55M | 2.68M |
| Net income | 66.29M | 47.67M | 33.40M | 18.66M | 11.42M |
| Change in cash | -239.97M | 9.36M | 79.83M | 4.99M | 123.47M |
| Begin period cash flow | 421.20M | 411.85M | 332.01M | 327.02M | 203.56M |
| End period cash flow | 181.23M | 421.20M | 411.85M | 332.01M | 327.02M |
| Total cash from operating activities | 50.84M | 35.14M | 39.08M | 21.79M | 4.58M |
| Issuance of capital stock | - | 0.00M | -0.05M | 66.22M | 162.55M |
| Depreciation | 0.21M | 4.62M | 3.95M | -0.48M | -0.27M |
| Other cashflows from investing activities | -418.29M | -322.61M | -530.60M | -36.45M | -0.83M |
| Dividends paid | 4.75M | 4.75M | 4.74M | -0.22M | 0.22M |
| Change to inventory | - | - | -9.58M | - | - |
| Change to account receivables | -20.65M | -7.65M | -4.39M | -12.71M | 0.75M |
| Sale purchase of stock | - | - | 567.00M | 67.75M | -0.12M |
| Other cashflows from financing activities | 316.36M | 507.24M | 566.98M | 1206.72M | 509.39M |
| Change to netincome | - | - | - | 11.56M | 12.12M |
| Capital expenditures | 2.68M | 1.77M | 3.44M | 12.19M | 5.62M |
| Change receivables | - | - | - | -12.71M | 0.75M |
| Cash flows other operating | - | - | - | -3.35M | -19.81M |
| Cash and cash equivalents changes | - | - | - | 4.99M | 123.47M |
| Change in working capital | -8.30M | -7.14M | 5.19M | -5.15M | 1.09M |
| Stock based compensation | 1.61M | 1.70M | 1.63M | 1.27M | 0.66M |
| Other non cash items | -12.26M | -8.54M | -2.20M | 8.74M | -7.93M |
| Free cash flow | 48.16M | 33.37M | 35.64M | 9.60M | -1.04M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| TCBX Third Coast Bancshares, Inc. |
-0.52 1.29% |
39.89 | 11.28 | 10.00 | 3.29 | 1.13 | 3.90 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in Texas, the United States. The company's deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of commercial and residential real estate loans; construction, development and other loans; commercial and industrial loans; and farmland, consumer, and agricultural loans, as well as lease financing and bond anticipation notes, as well as financial products and services. The company also provides retail and commercial online banking platforms, mobile banking apps, treasury management solutions, merchant card services, and customer digital solutions, as well as debit and credit cards. In addition, it offers state and municipal and mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds. The company was founded in 2008 and is headquartered in Humble, Texas.
20202 Highway 59 North, Humble, TX, United States, 77338
281 446 7000
477
| Name | Title | Year Born |
|---|---|---|
| Mr. Bart O. Caraway CPA | Chairman, Pres & CEO | 1971 |
| Mr. R. John McWhorter | Chief Financial Officer | 1965 |
| Ms. Debbie Smith | Chief Operating Officer | NA |
| Ms. Audrey A. Duncan | Sr. EVP & Chief Credit Officer of Third Coast Bank | 1965 |
| Mr. Bill Bobbora | Exec. VP & Chief Banking Officer | NA |
| Mr. Andrew Novarini | Exec. VP & Pres of Community Banking | NA |
| Ms. Sarah Natho | Treasurer | NA |
| Jo Ann Dean | Sec. | NA |
| Mr. Bart O. Caraway CPA | Chairman, President & CEO | 1972 |
| Ms. Audrey A. Duncan | Senior EVP & Chief Credit Officer | 1965 |
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