Third Coast Bancshares (TCBX)
Relationship-driven commercial lender concentrated in Texas's fastest-growing metro markets.
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A Texas-only commercial bank holding company earning most revenue from net interest income on commercial, industrial, construction, and real estate lending across Houston, Dallas-Fort Worth, and Austin-San Antonio, built around a relationship-manager model serving small and medium-sized regional businesses rather than national retail banking.
Operates as a Texas-only commercial bank holding company through a single reportable segment, earning most revenue from net interest income on commercial, industrial, construction, and real estate loans, with a smaller stream from deposit fees and an in-house factoring subsidiary.
Branches cluster in Texas's largest metros — Greater Houston, Dallas-Fort Worth, and Austin-San Antonio — plus two rural outposts, built around relationship managers serving small and medium-sized regional businesses rather than a national retail base.
Founded in 2008 near Houston, the bank grew through a merger of equals, an initial public offering in 2021, a later shift in stock exchange listing, and a subsequent bank merger that extended its footprint into the Austin market.
Combined construction and commercial-real-estate lending makes up roughly half the loan book, and the bank operates under Texas state savings-bank and Federal Reserve holding-company oversight.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 27, 2026 | Piper Sandler | Initiate | Overweight | $53 | ||
| Apr 24, 2026 | Stephens | Target | $46 | $45 | ||
| Apr 7, 2026 | Raymond James | Upgrade | Market Perform | Outperform | ||
| Oct 28, 2025 | Stephens | Target | $46 | |||
| Apr 2, 2025 | Raymond James | Downgrade | Outperform | Market Perform |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.01B · Total debt $141.4M · Total assets $6.74B · Shareholders' equity $670.8M
- Revenue
- $50.9M
- Operating income
- −$19.0M
- Net income
- $22.0M
No dividends on record.
| Institutions147 holders · as of Jun 30, 2026 | 71.65% | 10.10M shares | |
| Insiders22 holders · as of Jun 16, 2026 | 6.97% | 982.2K shares | |
| Strategic holders1 holder · as of Oct 7, 2022 | 10.52% | 1.48M shares | |
| Otherremainder | 10.86% | 1.53M shares |
14.10M company shares as of Aug 21, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Two share counts disagree (16.65M in the company's Sep 3, 2026 report, 14.10M elsewhere); stakes use the report.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Castle Creek Capital VIII LLCStrategic | 10.52% | 1.48M | 13Dfiled Oct 7, 2022 ↗ |
BlackRock, Inc.Institution | 8.22% | 1.16M | 13Fas of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.32% | 609,787 | 13Fas of Jun 30, 2026 |
Adage Capital Partners GP, L.L.C.Institution | 3.74% | 527,875 | 13Fas of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 3.67% | 517,513 | 13Fas of Jun 30, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 15, 2026 | Troy Andrew Glander | director | −2,500 | $40.29 |
| Feb 24, 2026 | William Bobbora | officer: See Remarks | +1,200 | $39.62 |
| Dec 1, 2025 | W. Donald Brunson | director | −1,500 | $38.55 |
| Nov 17, 2025 | William Bobbora | officer: See Remarks | −245 | $36.30 |
| Nov 19, 2025 | Liz Eber | officer: See Remarks | +135 | $36.48 |
- Cullen/Frost Bankers
Head-to-head in Texas C&I and CRE lending across all four largest metros.
- Prosperity Bancshares
Head-to-head for Houston-area C&I/CRE relationships at far larger scale.
- Texas Capital
Overlaps in Texas C&I/CRE lending, but targets larger middle-market clients.
- International Bancshares
Overlaps in San Antonio, Houston, and Austin C&I/CRE lending to TX businesses.
- Origin Bancorp
Overlaps in Houston/DFW relationship commercial banking at similar scale.
- Business First Bancshares
Houston/DFW overlap in relationship C&I and CRE lending to small-mid businesses.
- Southside Bancshares
Overlaps in Houston, DFW, and Austin C&I/CRE banking, plus public-funds lending.
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Third Coast Bancshares | $44.71 | −0.36% | $632.2M | 10.9 | 11.0 | 1.8 | +31.8% |
| Cullen/Frost Bankers | $160.92 | −0.45% | $10.05B | 15.3 | 14.3 | 3.8 | +9.4% |
| Prosperity Bancshares | $72.09 | −0.03% | $8.66B | 12.5 | 10.8 | 4.9 | +25.9% |
| Texas Capital | $96.71 | +1.09% | $4.20B | 12.7 | 12.7 | 2.1 | +9.1% |
| International Bancshares | $71.40 | +1.00% | $4.39B | 10.7 | 10.9 | 4.1 | +1.0% |
| Origin Bancorp | $53.60 | −0.45% | $1.66B | 16.8 | 12.6 | 2.7 | +27.0% |
| Business First Bancshares | $31.18 | −0.54% | $1.02B | 11.1 | 10.0 | 2.2 | +17.2% |
| Southside Bancshares | $32.30 | +0.68% | $953.8M | 12.6 | 10.2 | 2.1 | +10.2% |
| Median | 12.6 | 10.9 | 2.7 | +10.2% |