Third Coast Bancshares Inc (TCBX)

Third Coast Bancshares, Inc. (TCBX) stock has shown positive movement over the past six months, recording a 40.24% price total return. As of September 5, 2025, the share price was $39.98, a 56.36% increase from September 9, 2024. On October 24, 2024, TCBX stock reached a 52-week high of $29.0 USD. Key events include the announcement of a merger agreement to acquire Keystone Bancshares, Inc., projected to increase total assets to over $6 billion. The company reported strong third-quarter 2025 earnings, surpassing market expectations with an EPS of $1.03 and revenue of $54.48 million. TCBX was listed on both the New York Stock Exchange and NYSE Texas in the third quarter of 2025.

Third Coast Bancshares, Inc. experiences some demand seasonality, particularly concerning deposits, with a typical seasonal decline in deposits during the first quarter. Despite this, the loan pipeline has shown strong demand, and management is confident in achieving its loan growth targets.

Third Coast Bancshares, Inc. (TCBX) functions as the bank holding company for Third Coast Bank, delivering extensive commercial banking solutions. It offers a range of deposit products, including checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio includes commercial and residential real estate loans, construction, development, and other loans, commercial and industrial loans, farmland, consumer, and agricultural loans, lease financing, and bond anticipation notes. TCBX provides retail and commercial online banking platforms, mobile banking applications, treasury management solutions, merchant card services, customer digital solutions, and debit and credit cards. The company's investment portfolio comprises state and municipal securities, mortgage-backed securities, agency collateralized mortgage obligations, U.S. treasury bonds, and corporate bonds.

Third Coast Bancshares, Inc. operates primarily in the major metropolitan areas of Texas, with 19 branches across the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets. It also maintains one branch in Detroit, Texas.

Third Coast Bancshares, Inc. has maintained a positive brand reputation, underscored by its robust financial performance and strategic achievements. The company achieved a record high return on average assets, reaching an annualized 1.41% in the third quarter of 2025. Its successful execution of commercial real estate loan securitization transactions garnered international recognition, including the SCI Risk Sharing award. The company's efficiency ratio improved to 53.05% in the third quarter of 2025, and analysts anticipate the company will be profitable this year.

Third Coast Bancshares, Inc. has a diverse ownership structure, with a substantial portion held by institutional investors, who collectively hold 9,268,188 shares, representing 51.87% of the company's shares. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, Adage Capital Partners Gp, L.l.c., and Kennedy Capital Management, Inc. BlackRock, Inc. was the top institutional stake holder, owning 898.92K shares, representing 6.50% of the company. Individual insider ownership also exists.