What is the 13F Pro Quality Score for TCBX?

13F Pro ranks Third Coast Bancshares, Inc. (TCBX) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TCBX's current score at https://13fpro.ai/company/TCBX (free sign-up required for the full ranking).

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.

What sector is TCBX in?

Third Coast Bancshares, Inc. (TCBX) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives TCBX's revenue?

Per Third Coast Bancshares, Inc.'s latest 10-Q filed with the SEC on 2026-08-04, the biggest revenue drivers are: Net interest income ($60.3M, +22.1% YoY); Noninterest income ($7.7M, +191.2% YoY); Gain on sale of factored receivables ($3.5M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/TCBX.

What are TCBX's largest expenses?

Third Coast Bancshares, Inc.'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($24.8M, +36.4% YoY); Occupancy and equipment expenses ($3.3M, +17.1% YoY); Legal and professional fees ($2.3M, +17.9% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is TCBX research updated on 13F Pro?

TCBX's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Third Coast Bancshares, Inc.(TCBX)Stock Analysis

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13F Pro Quality Score

65.9/100

Rank #455 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

82.0/100

Profitability

90.6/100

Balance Sheet

46.6/100

Earnings Quality

18.7/100

Free Cash Flow

63.4/100

Institutional Flow

68.2/100

Revenue Scale

25.9/100

Dilution Risk

64.6/100

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Why TCBX Scores 66/100

exact factor attribution · 2026-09-11

TCBX's composite is driven by revenue growth and profitability, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.5 pts

82th pct

Profitability

+8.1 pts

91th pct

Earnings growth

+2.4 pts

85th pct

Free cash flow

+2.0 pts

63th pct

Institutional flow

+1.2 pts

68th pct

Shareholder dilution

+1.0 pts

65th pct

Capital efficiency

-0.5 pts

47th pct

Earnings quality

-3.1 pts

19th pct

Scale

-4.8 pts

26th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

TCBX Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Third Coast Bancshares, Inc. (TCBX), a Financials sector company. 13F Pro's AI-powered ranking engine scores TCBX at 65.9/100 on a 32-signal composite quality model, placing it at rank #455 of 2,961 stocks — the top 25% of the AI-ranked universe. TCBX scores in the top quartile across profitability (90.6), revenue growth (82.0). Areas of concern include earnings quality (18.7) 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. 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.

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

✓ 26/26 datapoints verified

AI-extracted from Third Coast Bancshares, Inc.'s 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 →Share on X

Revenue

Q2 2026

$68.0M

Net Income

Q2 2026

$22.0M

ROIC

Q2 2026

16.4%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+21.9% YoY

$208.9MFY 2025

FY22 $123.7MFY23 $147.7MFY24 $171.4MFY25 $208.9M

Net Income

+39.1% YoY

$66.3MFY 2025

FY22 $18.7MFY23 $33.4MFY24 $47.7MFY25 $66.3M

EPS (Diluted)

+36.3% YoY

$3.79FY 2025

FY22 $1.25FY23 $1.98FY24 $2.78FY25 $3.79

Total Assets

+8.1% YoY

$5.34BFY 2025

FY22 $3.77BFY23 $4.40BFY24 $4.94BFY25 $5.34B

Op. Cash Flow

+44.7% YoY

$50.8MFY 2025

FY22 $21.8MFY23 $39.1MFY24 $35.1MFY25 $50.8M

Free Cash Flow

—FY 2025

FY22 $9.6MFY23 $35.6MFY24 $33.4MFY25 —

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$208.9M +21.9%	$171.4M +16.0%	$147.7M +19.4%	$123.7M	—	$70.6M
Net Income	$66.3M +39.1%	$47.7M +42.7%	$33.4M +79.0%	$18.7M +63.3%	$11.4M -5.7%	$12.1M
EPS (Diluted)	$3.79 +36.3%	$2.78 +40.4%	$1.98 +58.4%	$1.25 -10.7%	$1.40 -26.7%	$1.91
Total Assets	$5.34B +8.1%	$4.94B +12.4%	$4.40B +16.5%	$3.77B +51.0%	$2.50B +33.9%	$1.87B
Operating Cash Flow	$50.8M +44.7%	$35.1M -10.1%	$39.1M +79.3%	$21.8M +375.4%	$4.6M +225.5%	$-3.7M
Free Cash Flow	—	$33.4M -6.4%	$35.6M +271.2%	$9.6M +1026.8%	$-1.0M +79.3%	$-5.0M

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Available Research

13F Pro tracks comprehensive data for Third Coast Bancshares, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TCBX

BlackRock, Inc.
$46.8M1,159,145 sh
VANGUARD CAPITAL MANAGEMENT LLC
$24.6M609,787 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$21.3M527,875 sh
DIMENSIONAL FUND ADVISORS LP
$20.9M517,513 sh
KENNEDY CAPITAL MANAGEMENT LLC
$18.5M458,725 sh
STATE STREET CORP
$17.4M430,896 sh
AMERICAN CENTURY COMPANIES INC
$17.4M430,183 sh
GEODE CAPITAL MANAGEMENT, LLC
$16.0M395,884 sh
Bank of New York Mellon Corp
$13.6M335,465 sh
Ategra Capital Management, LLC
$10.6M261,387 sh

Fund	Value	Shares
BlackRock, Inc.	$46.8M	1,159,145
VANGUARD CAPITAL MANAGEMENT LLC	$24.6M	609,787
ADAGE CAPITAL PARTNERS GP, L.L.C.	$21.3M	527,875
DIMENSIONAL FUND ADVISORS LP	$20.9M	517,513
KENNEDY CAPITAL MANAGEMENT LLC	$18.5M	458,725
STATE STREET CORP	$17.4M	430,896
AMERICAN CENTURY COMPANIES INC	$17.4M	430,183
GEODE CAPITAL MANAGEMENT, LLC	$16.0M	395,884
Bank of New York Mellon Corp	$13.6M	335,465
Ategra Capital Management, LLC	$10.6M	261,387

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Is TCBX a good stock to buy?

13F Pro's AI-powered analysis of Third Coast Bancshares, Inc. (TCBX) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TCBX are available on the TCBX stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. TCBX is classified as a small company.

Which hedge funds own TCBX?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TCBX. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Third Coast Bancshares, Inc.'s investment landscape.