US · TCBX
Third Coast Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Humble, TX 77338
- Website
- tcbssb.com
Price · as of 2024-12-31
$37.80
Market cap 550.22M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $28.34 | -25.03% |
| Intrinsic Value(DCF) | $70.10 | +85.45% |
| Graham-Dodd Method(GD) | $44.57 | +17.9% |
| Graham Formula(GF) | $106.45 | +181.6% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $26.30 | $138.61 | |||
| 2021 | $23.38 | $274.02 | $38.13 | $42.94 | $44.27 |
| 2022 | $16.25 | $36.71 | $712.12 | $33.70 | $84.43 |
| 2023 | $19.91 | $26.67 | $18,748.34 | $36.06 | $187.45 |
| 2024 | $33.46 | $28.34 | $4,135.25 | $44.57 | $106.45 |
AI valuation
Our deep-learning model estimates Third Coast Bancshares, Inc.'s (TCBX) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $28.34
- Current price
- $37.80
- AI upside
- -25.03%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$70.10
+85.45% upside
Graham-Dodd
$44.57
+17.9% upside
Graham Formula
$106.45
+181.6% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TCBX | Third Coast Bancshares, I… | $37.80 | 550.22M | -25% | +85% | +18% | +182% | 9.59 | 0.99 | 1.35 | -2.51 | 23.74 | 1.03 | 48.74% | 18.15% | 14.10% | 10.93% | -114.02% | 1.02% | 0.29 | 0.37 | 0.18 | 0.18 | -3.62 | 4040.00% | 2335.00% | -636.00% | 7.30% | 0.01 | -79.82% | 1.04% | 10.00% | 19.36% | -2.70 | -4.97 | -0.49 | -0.66 |
| ALRS | Alerus Financial Corporat… | $23.84 | 605.47M | +43% | -24% | -47% | +50% | 22.03 | 0.79 | 1.19 | 1.48 | 51.12 | 1.09 | 59.84% | 7.01% | 5.37% | 4.11% | 12.21% | 0.39% | 0.64 | 0.20 | 0.16 | 0.15 | 6.72 | 4310.00% | 3588.00% | -3548.00% | 4.23% | 0.01 | 11.39% | 3.94% | 86.90% | 4.01% | 2.43 | 3.39 | 0.17 | -0.69 |
| AROW | Arrow Financial Corporati… | $33.31 | 547.7M | -29% | -8% | -55% | +27% | 14.30 | 1.06 | 1.91 | -3.72 | — | 1.13 | 60.35% | 16.75% | 13.32% | 7.61% | -15.97% | 0.70% | 0.08 | 0.45 | 0.16 | 0.16 | -2.83 | 0.00% | 1637.00% | 11388.00% | 6.79% | 0.01 | -15.52% | 4.30% | 61.60% | 17.66% | -4.26 | -5.51 | -0.71 | -0.72 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| FMNB | Farmers National Banc Cor… | $12.93 | 486.86M | +173% | +11% | +56% | -0% | 8.94 | 1.00 | 1.80 | 13.16 | 47.43 | 1.62 | 63.79% | 23.93% | 20.08% | 12.24% | 10.93% | 1.05% | 0.76 | 0.71 | 1.42 | 0.00 | 5.65 | 1885.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.61% | 13.16 | — | 3.15 | 0.16 |
| GBFH | GBank Financial Holdings … | $30.21 | 434.3M | +282% | +188% | -37% | +321% | 20.59 | 2.60 | 3.93 | 17.11 | 572.41 | 2.79 | 65.84% | 24.72% | 19.09% | 13.66% | 11.37% | 1.68% | 0.23 | 0.81 | 32.29 | 0.87 | 1.21 | 360.00% | 8226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 17.11 | — | 4.23 | 0.62 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| NPB | Northpointe Bancshares, I… | $18.06 | 269.84M | +238% | +2,826% | +483% | +219% | 3.76 | 0.14 | 0.53 | -13.43 | 3.94 | 0.14 | 48.01% | 18.66% | 14.13% | 3.46% | -54.70% | 2.65% | 0.02 | 0.36 | 20.90 | 20.51 | -6.13 | 9565.00% | 773.00% | -16969.00% | 9.03% | 0.32 | -18.60% | 5.58% | 21.00% | 11.52% | -14.13 | -54.89 | -2.64 | -5.63 |
| NRIM | Northrim BanCorp, Inc. | $23.49 | 518.91M | +304% | +2% | -62% | +121% | 11.02 | 1.52 | 2.08 | -1.84 | 23.00 | 2.18 | 77.53% | 23.98% | 18.87% | 14.73% | -10.24% | 1.26% | 0.15 | 1.15 | 0.24 | 0.24 | -0.43 | 4788.00% | 2377.00% | -12866.00% | -2.30% | 0.00 | 2.59% | 3.38% | 37.20% | 3.57% | -1.98 | 9.98 | -0.48 | -0.48 |
| SHBI | Shore Bancshares, Inc. | $18.58 | 621.07M | +150% | +111% | -26% | +209% | 10.36 | 0.84 | 1.39 | -0.25 | 4.83 | 1.05 | 60.33% | 17.98% | 13.44% | 8.34% | 48.52% | 0.72% | 0.25 | 0.47 | 0.11 | 0.11 | -4.34 | 21429.00% | 3694.00% | 14860.00% | 9.16% | 0.01 | 46.06% | 3.52% | 36.50% | 11.67% | -0.32 | -0.45 | -0.06 | -0.77 |
About Third Coast Bancshares, Inc.
Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank, SSB that provides various commercial banking solutions to small and medium-sized businesses, and professionals. The company's deposit products include checking, savings, individual retirement, and money market accounts, as well as certificates of deposit. It also offers commercial and industrial loans, such as equipment loans, working capital, auto finance, and commercial finance. In addition, the company provides treasury management consumer and commercial online banking services, mobile applications, safe deposit boxes, and wire transfer services, as well as debit cards. It operates through eleven branches in Greater Houston, Dallas-Fort Worth, and Austin-San Antonio; and one branch in Detroit, Texas. The company was founded in 2008 and is headquartered in Humble, Texas.
- CEO
- Bart O. Caraway
- Employees
- 376
- Beta
- 0.73
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($70.10 ÷ $37.80) − 1 = +85.45% (DCF, example).