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Third Coast BancsharesFRA:GL0 +0.53%39 Debt-to-Equity is 0.24 as of Mar. 2026, which is 17% below its 10-year median of 0.29. GuruFocus rates FRA:GL0 with a GF Score™ of 39/100 and a GF Value™ of €32.67 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,421 Banks companies, Third Coast Bancshares ranks better than 73.68% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Third Coast Bancshares's Debt-to-Equity or its related term are showing as below:
FRA:GL0'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.29 Max: 0.53
Current: 0.24
During the past 7 years, the highest Debt-to-Equity Ratio of Third Coast Bancshares was 0.53. The lowest was 0.00. And the median was 0.29.
FRA:GL0's Debt-to-Equity is ranked better than 73.68% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs FRA:GL0: 0.24
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Third Coast Bancshares Debt-to-Equity Related Terms
Third Coast Bancshares Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Third Coast Bancshares's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:GL0 vs PFIS, WASH, RCBC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Third Coast Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Third Coast Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Third Coast Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Third Coast Bancshares's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Third Coast Bancshares (FRA:GL0) has a Debt-to-Equity of 0.24 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Third Coast Bancshares and its competitors. This is 17% below median its historical median of 0.29. According to the industry distribution chart, Third Coast Bancshares ranks #374 out of 1421 companies in the Banks industry, placing it in the top 26.3%.
Is Third Coast Bancshares' Debt-to-Equity too high?
Third Coast Bancshares' current Debt-to-Equity of 0.24 is 17% below median its 10-year median of 0.29. The Banks industry median Debt-to-Equity is 0.58. Third Coast Bancshares' value of 0.24 is 58.6% below this industry median. Based on the distribution chart, Third Coast Bancshares ranks #374 out of 1421 companies in the Banks industry, which is above the industry midpoint. Overall, Third Coast Bancshares has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Third Coast Bancshares' Debt-to-Equity compare to PFIS and WASH?
According to the Banks industry distribution chart, Third Coast Bancshares ranks #374 out of 1421 companies for Debt-to-Equity. This puts Third Coast Bancshares in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Third Coast Bancshares' value of 0.24 is 58.6% below this benchmark. While the company's 10-year median is 0.29 vs. the industry median of 0.58, Third Coast Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Coast Bancshares's current Debt-to-Equity of 0.24 is 58.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Third Coast Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Coast Bancshares's current Debt-to-Equity is 0.24, which is 17% below median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Third Coast Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Third Coast Bancshares (FRA:GL0) is currently considered Modestly Overvalued. The stock's GF Value™ is €32.67, compared to a current price of €37.60 — trading 15.1% above its estimated fair value. The current Debt-to-Equity is 0.24, which is 17% below median its 10-year median of 0.29 and 58.6% below the Banks industry median of 0.58. Third Coast Bancshares' overall GF Score™ is 39/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Third Coast Bancshares (FRA:GL0), the current Debt-to-Equity is 0.24 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Third Coast Bancshares (FRA:GL0) Overvalued in 2026?
Based on GuruFocus' analysis, Third Coast Bancshares stock appears to be overvalued.
The current stock price of €37.60 is trading 15.1% above its estimated GF Value™ of €32.67.
GuruFocus considers Third Coast Bancshares to be Modestly Overvalued.
Key valuation signals for FRA:GL0:
Debt-to-Equity: 0.24 (17% below median its 10-year median of 0.29)
GF Value™: €32.67 vs. price of €37.60 (15.1% above fair value)
Industry Position: 58.6% below the Banks median (#374 of 1421)
No single metric tells the full story. See the FRA:GL0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Third Coast Bancshares Inc is a bank holding company. It focuses on providing commercial banking solutions to small and medium-sized businesses and professionals with operations in its markets. The bank operates twenty branches in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets, one branch in Ballinger, Texas, and one branch in Detroit, Texas. The company operates through one segment, community banking, It generates the majority of its revenue from interest on loans, customer service, and loan fees.
39GF Score
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