Stock Ratings / Financials / TCBX / dividends

HIFS (51) GCBC (58) SMBC (63) HBCP (66) ⌘ Pro Terminal →

Third Coast Bancshares Inc. (TCBX) Dividend Safety Gauge & 10-Year DRIP Compounder

$40.41 +0.35% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Third Coast Bancshares Inc. (TCBX) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $673.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TCBX)Realized 20D OHLCV Swing Band: ±5.9%

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in TCBX & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on TCBX and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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TCBX // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.22%📐 WEDGE COMPRESSION COIL

2026-10-30O $40.69H $40.69L $39.68C $40.41VOL 218.3K

RES: $43.31SUP: $39.32SMA50: $43.04SMA200: $40.87

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TCBX Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TCBX Butterfly Map → + Track TCBX →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-0.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TCBX today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TCBX. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TCBX today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TCBX)

Financials Rank #392 of 1096 ⚔️ HIFS vs TCBX Full Matrix →

1. Head-to-Head Financials Peer Comparison (TCBX vs. HIFS, GCBC, SMBC, HBCP)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Third Coast Bancshares Inc. (TCBX) ranks #392 by composite RQD confidence (63/100, grade C) and #636 by equity capitalization ($673.0M). Within this direct 5-issuer industry benchmark cohort, TCBX leads on earnings valuation at 10.2x trailing P/E, while TCBX leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. HBCP currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with TCBX at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TCBX ACTIVE Third Coast Bancshares Inc.	C	63/100	10.2x	—	12.5%	+0.35%	$673.0M	Benchmark Subject
HIFS Hingham Institution for Savings	D	51/100	—	—	—	+1.22%	$657.3M	/hifs-vs-tcbx →
GCBC Greene County Bancorp Inc.	D+	58/100	19.6x	—	12.1%	+1.16%	$610.7M	/gcbc-vs-tcbx →
SMBC Southern Missouri Bancorp Inc.	C	63/100	13.5x	—	10.3%	-0.25%	$791.2M	/smbc-vs-tcbx →
HBCP Home Bancorp Inc.	C+	66/100	10.5x	—	10.6%	-0.11%	$483.0M	/hbcp-vs-tcbx →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001781730

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Third Coast Bancshares Inc. (TCBX) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $66.3M, operating cash flow of $50.8M, and free cash flow of $50.8M (+52.3% YoY). On the balance sheet, TCBX closed FY2025 with $5.34B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$66.3M	$50.8M	$50.8M	$5.34B	—
FY2024 (FY)	2024-12-31	$0	$47.7M	$35.1M	$33.4M	$4.94B	—
FY2023 (FY)	2023-12-31	$0	$33.4M	$39.1M	$39.1M	—	—

3. TCBX Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TCBX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Third Coast Bancshares Inc. (NYSE: TCBX) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $40.41 (+0.35% 1D, market cap $673.0M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, TCBX ranks #392 in composite RQD confidence.

How does TCBX compare to HIFS and GCBC in the Financials sector?

Within the Financials sector (Banks), TCBX carries a Roarable C (63/100 RQD), trailing P/E of 10.2x, gross margin of —, and ROIC of 12.5%. By comparison, HIFS (Hingham Institution for Savings) holds a D grade (51/100 RQD, P/E N/A, ROIC —, cap $657.3M) and GCBC (Greene County Bancorp Inc.) posts a D+ grade (58/100 RQD, P/E 19.6x, ROIC 12.1%, cap $610.7M). Among the 5-stock peer group, TCBX leads on earnings multiple (10.2x) while TCBX leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TCBX?

Per TCBX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001781730), Third Coast Bancshares Inc. generated $0 in revenue, $66.3M in net income, and $50.8M in free cash flow against $5.34B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TCBX trading relative to its 50-day, 200-day, and 52-week technical levels?

TCBX last traded at $40.41 (+0.35% on volume of 134,573 shares), positioning the stock -6.11% below its 50-day simple moving average ($43.04) and -1.13% below its 200-day simple moving average ($40.87). Across its 52-week range of $35.73 to $46.36, TCBX sits at the 44.0% percentile with a 14-day RSI of 35.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.9% ($38.03 to $42.79).

TCBX Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does TCBX pay a dividend and is it safe?

Third Coast Bancshares Inc. (TCBX) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: TCBX RQD Cockpit TCBX 12M Forecast TCBX Earnings & Move TCBX Dividends & DRIP TCBX Insiders & 13F TCBX Whale Options TCBX Profit Sankey TCBX News & Why