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Upturn AI SWOT - About
Third Coast Bancshares Inc (TCBX)
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Upturn Advisory Summary
04/01/2025: TCBX (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.21% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 460.14M USD | Price to earnings Ratio 11.96 | 1Y Target Price 40.75 |
Price to earnings Ratio 11.96 | 1Y Target Price 40.75 | ||
Volume (30-day avg) 70184 | Beta 0.7 | 52 Weeks Range 18.00 - 39.45 | Updated Date 04/1/2025 |
52 Weeks Range 18.00 - 39.45 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.79 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.77% | Operating Margin (TTM) 40.12% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 10.93% |
Valuation
Trailing PE 11.96 | Forward PE 10.74 | Enterprise Value 173363088 | Price to Sales(TTM) 2.78 |
Enterprise Value 173363088 | Price to Sales(TTM) 2.78 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 13788900 | Shares Floating 12732850 |
Shares Outstanding 13788900 | Shares Floating 12732850 | ||
Percent Insiders 8 | Percent Institutions 53.56 |
Analyst Ratings
Rating 4 | Target Price 36.75 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Third Coast Bancshares Inc
Company Overview
History and Background
Third Coast Bancshares, Inc. was founded in 2008 in Houston, Texas, with a focus on providing commercial banking services to businesses and individuals. It has grown through organic expansion and strategic acquisitions, establishing a presence across Texas.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products tailored to small and medium-sized businesses. This includes commercial real estate loans, working capital lines of credit, and treasury management services.
- Retail Banking: Offers deposit accounts, personal loans, and other services to individual customers. Includes mortgage lending and wealth management solutions.
- Wealth Management: Provides investment advisory, trust services, and financial planning to high-net-worth individuals and families.
Leadership and Structure
The leadership team comprises experienced banking professionals with expertise in commercial lending, retail banking, and wealth management. The organizational structure is typical of a regional bank, with various departments overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for the acquisition, development, and refinancing of commercial properties. Market share data is difficult to obtain precisely but is estimated to be in the low single digits within its Texas footprint. Competitors include larger national and regional banks such as JP Morgan Chase and Frost Bank.
- Small Business Loans: Offers SBA loans and other financing options to small businesses for various purposes, including expansion and working capital. Competitors include other regional banks and online lenders.
- Deposit Accounts: Provides checking, savings, and money market accounts to businesses and consumers. Competitors include all banks operating in the region.
Market Dynamics
Industry Overview
The banking industry is currently facing a mixed environment with rising interest rates, increased regulatory scrutiny, and evolving customer preferences towards digital banking solutions. Increased competition from FinTech companies are also present.
Positioning
Third Coast Bancshares is positioned as a relationship-focused community bank serving the Texas market. Its competitive advantage lies in its local market knowledge, personalized service, and quick decision-making.
Total Addressable Market (TAM)
The TAM for banking services in Texas is estimated in the billions of dollars. Third Coast Bancshares is well-positioned to capture a portion of this market with its local presence and commercial banking expertise.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Relationship-focused banking approach
- Solid asset quality
Weaknesses
- Smaller scale compared to larger competitors
- Limited geographic diversification
- Dependence on the Texas economy
- Less advanced digital banking capabilities compared to larger peers
Opportunities
- Expansion into new markets within Texas
- Increased demand for commercial lending
- Growing population and economy in Texas
- Strategic acquisitions of smaller banks
Threats
- Rising interest rates
- Increased regulatory burden
- Economic downturn in Texas
- Competition from larger banks and Fintech companies
Competitors and Market Share
Key Competitors
- HBAN
- FRO
- CMA
Competitive Landscape
Third Coast Bancshares operates in a competitive market with numerous regional and national banks. Its competitive advantage lies in its local market knowledge and relationship-focused approach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Third Coast Bancshares has grown steadily since its founding through organic expansion and strategic acquisitions.
Future Projections: Future growth projections are unavailable and depend on various factors, including economic conditions, competitive landscape, and management's strategic decisions.
Recent Initiatives: Recent initiatives include expanding its branch network, enhancing its digital banking platform, and increasing its focus on commercial lending.
Summary
Third Coast Bancshares is a regional bank focused on commercial banking in Texas. Its strengths include strong local market knowledge and an experienced management team. However, its smaller size compared to larger competitors and limited geographic diversification present challenges. Future success depends on capitalizing on growth opportunities within Texas while managing economic and competitive threats.
Similar Companies
- HBAN
- FRO
- CMA
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where available)
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Financial data is illustrative due to lack of available data.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Third Coast Bancshares Inc
Exchange NASDAQ | Headquaters Humble, TX, United States | ||
IPO Launch date 2021-11-09 | Founder, Chairman, President & CEO Mr. Bart O. Caraway CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 369 | Website https://www.thirdcoast.bank |
Full time employees 369 | Website https://www.thirdcoast.bank | ||
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 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. 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 has an investment portfolio that includes state and municipal securities, 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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