Third Coast Bancshares, Inc.
TCBXNYSEFinancials · Savings Institutions, Not Federally Chartered · TX · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $66.3M | $47.7M | $33.4M | $18.7M | $11.4M | $12.1M |
| Total assets | $5.34B | $4.94B | $4.40B | $3.77B | $2.50B | $1.87B |
| Total liabilities | $4.81B | $4.48B | $3.98B | $3.39B | $2.20B | $1.75B |
| Equity | $531.0M | $460.7M | $412.0M | $381.8M | $299.0M | $120.4M |
| EPS (diluted) | $3.79 | $2.78 | $1.98 | $1.25 | $1.40 | $1.91 |
| Shares out. | 13.9M | 13.8M | 13.6M | 13.4M | 13.4M | 6.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 12.5%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.1%
- Debt / equity
- 9.06×
- Book value / share
- $38.23
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 39.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.3%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Blackrock, Inc.Passive (13G)Apr 27, 2026
- Alliancebernstein L.P.Passive (13G)May 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Phelps David RDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Stunja JosephDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Eisenhart LynnDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Bailey CarolynDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Stich MaryDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Swinbank ReaganDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Greenleaf Clint TuxberryDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Glander Troy AndrewDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Bonnen DennisDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Bonnen GregDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Basaldua MartinDirector | May 21, 2026 | Grant | 1,318 | $0.00 |
| Mcdonald SheltonDirector | May 7, 2026 | Option exercise | 6,000 | $16.43 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 385,417 | 4.9 | +6.7% |
| Apr 30, 2026 | 361,316 | 3.6 | +10.0% |
| Apr 15, 2026 | 328,510 | 4.1 | -9.8% |
| Mar 31, 2026 | 364,402 | 4.2 | +5.9% |
| Mar 13, 2026 | 344,239 | 6.0 | +2.9% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer change · Shareholder voteMay 21, 2026
- Entered a material agreement · New financial obligationMay 1, 2026
- Results of operations · Regulation FD disclosureApr 22, 2026
- Other material eventMar 19, 2026
- Completed an acquisition or disposition · Director / officer change · Regulation FD disclosureFeb 2, 2026
- Shareholder voteJan 23, 2026
- Results of operations · Regulation FD disclosureJan 21, 2026
- Other material eventJan 16, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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