TCBX is the ticker symbol for Third Coast Bancshares, Inc., a publicly traded Financials sector company listed on NYSE. 13F Pro tracks TCBX with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is TCBX a good stock to buy?

13F Pro's AI ranking engine scores TCBX at 65.7/100, ranked #464 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for TCBX is available at https://13fpro.ai/company/TCBX. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source TCBX data?

All Third Coast Bancshares, Inc. fundamentals and ownership data come directly from SEC EDGAR. Third Coast Bancshares, Inc. files with the SEC under CIK 1781730. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

Third Coast Bancshares, Inc. TCBX

NYSESmall CapFinancials

13F Pro quality score

Rank #464 of 2,925TOP 25%

Why it scores 66 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$67.99M

Quarter to Jun 30

Net income

$21.99M

Quarter to Jun 30

Free cash flow

$44.06M

Quarter to Jun 30

Operating margin

40.5%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$405.89M total

BlackRock, Inc.

$46.83M+23.0%

VANGUARD CAPITAL MANAGEMENT LLC

$24.64M+2.4%

ADAGE CAPITAL PARTNERS GP, L.L.C.

$21.33M+6.7%

DIMENSIONAL FUND ADVISORS LP

$20.91M+9.5%

KENNEDY CAPITAL MANAGEMENT LLC

$18.53M-1.7%

STATE STREET CORP

$17.41M+21.3%

AMERICAN CENTURY COMPANIES INC

$17.38M+20.1%

GEODE CAPITAL MANAGEMENT, LLC

$16.00M+29.5%

Bank of New York Mellon Corp

$13.55M+557.7%

Ategra Capital Management, LLC

$10.56M+27.6%

ALLIANCEBERNSTEIN L.P.

$10.16M+5.5%

Meridian Wealth Advisors, LLC

$7.29M-5.4%

1492 Capital Management LLC

$7.04M+31.2%

BANC FUNDS CO LLC

$6.83M0.0%

WELLINGTON MANAGEMENT GROUP LLP

$6.75M-5.4%

WASATCH ADVISORS LP

$6.72M+5.2%

Ronald Blue Trust, Inc.

$5.94M0.0%

STRATEGIC VALUE BANK PARTNERS LLC

$5.92M-7.6%

Lighthouse Investment Partners, LLC

$5.73M+135.1%

ACADIAN ASSET MANAGEMENT LLC

$5.63M-13.1%

NORTHERN TRUST CORP

$5.56M+25.3%

SEI INVESTMENTS CO

$5.00M-30.6%

Connor, Clark & Lunn Investment Management Ltd.

$4.95M+1.2%

DEROY & DEVEREAUX PRIVATE INVESTMENT COUNSEL INC

$4.82M-0.3%

VANGUARD PORTFOLIO MANAGEMENT LLC

$4.50M+37.1%

See all 144 institutional holders →

What's Driving TCBX's Business? Latest 10-Q Breakdown

26/26 datapoints verified

AI-extracted from the 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 31.3% YoY to $22.0M as the Keystone Bancshares merger pushed total assets to $6.74B, but net interest margin compressed to 3.83% from 4.22% and nonperforming assets nearly doubled to $54.4M.

Biggest Revenue Drivers

Net interest income$60.3M+22.1% YoY

Increase driven by growth in loans from the Keystone merger, partially offset by lower loan yields and higher deposit costs

Noninterest income$7.7M+191.2% YoY

Primarily due to the gain on sale of factored receivables and increased service charges and fees

Biggest Revenue Drivers

Total revenue: $68.0M+30.7% YoY

Net interest income$60.3M+22.1% YoY

Increase driven by growth in loans from the Keystone merger, partially offset by lower loan yields and higher deposit costs

Noninterest income$7.7M+191.2% YoY

Primarily due to the gain on sale of factored receivables and increased service charges and fees

Within Noninterest income

Gain on sale of factored receivables$3.5M

Gain from the June 25, 2026 sale of substantially all TCCC assets to Gulf Coast Bank & Trust

Service charges and fees$3.2M+49.4% YoY

Largest Expense Items

Salaries and employee benefits$24.8M+36.4% YoY

Merger-related expenses, increased salary expense from new hires, and increased bonus expense

Occupancy and equipment expenses$3.3M+17.1% YoY

Legal and professional fees$2.3M+17.9% YoY

Increase primarily due to expenses related to the Keystone Merger

Margins: Net interest margin fell to 3.83% from 4.22% YoY and net interest spread fell to 3.25% from 3.52%, as the loan yield dropped to 7.06% from 7.95% faster than the decline in deposit costs (3.41% from 4.00%).

Watch Items from the Filing

Nonperforming assets rose to $54.4M (0.81% of total assets) from $29.9M (0.56%) at year-end 2025, driven by a $17.1M loan transfer to OREO and $10.1M of new nonaccrual relationships.
Allowance for credit losses coverage of nonaccrual loans fell sharply to 248.60% from 434.28% at December 31, 2025, even as the ACL grew to $53.6M.
Commercial & industrial loans grew to 43.6% of the $5.44B total loan portfolio, up from 37.8% at year-end 2025, concentrating credit risk.
TCCC's factoring business was sold to Gulf Coast Bank effective June 25, 2026 for ~$27.5M, producing a one-time $3.5M gain that will not recur in future quarters.
The February 1, 2026 Keystone Bancshares merger added $805.2M in acquired loans and drove $1.39B of asset growth, but generated $4.1M of acquisition-related expenses and diluted net interest margin.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

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Third Coast Bancshares, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K	$208.9M	$66.3M	39.6%
FY 2024	10-K	$171.4M	$47.7M	35.8%
FY 2023	10-K	$147.7M	$33.4M	28.2%
FY 2022	10-K	$123.7M	$18.7M	18.7%
FY 2021	10-K	$95.4M	$11.4M	15.2%
FY 2020	10-K	$70.6M	$12.1M	22.1%

About Third Coast Bancshares, Inc. (TCBX): stock profile, AI score and financials

Third Coast Bancshares, Inc. (TCBX) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores TCBX at 65.7/100 on a composite quality score built from its SEC filings, placing it at rank #464 of 2,925 stocks — the top 25% of the AI-ranked universe. TCBX scores in the top quartile across profitability (90.2), revenue growth (82.4). Areas of concern include earnings quality (17.4) and revenue scale (25.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Third Coast Bancshares, Inc. reports quarterly revenue of $68.0M, net income of $22.0M, an operating margin of 40.5%. Top institutional holders of TCBX by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, ADAGE CAPITAL PARTNERS GP, L.L.C., based on the most recent SEC filings. TCBX trades on the NYSE exchange and files with the SEC under CIK 1781730. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TCBX daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Third Coast Bancshares, Inc. directly from SEC EDGAR.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 1781730 →

Third Coast Bancshares, Inc. TCBX

Top Institutional Holders

What's Driving TCBX's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

TCBX key financials by period

TCBX insiders

About Third Coast Bancshares, Inc. (TCBX): stock profile, AI score and financials

Third Coast Bancshares, Inc. TCBX

Top Institutional Holders

What's Driving TCBX's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

TCBX key financials by period

Companies similar to TCBX

TCBX insiders

About Third Coast Bancshares, Inc. (TCBX): stock profile, AI score and financials