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Third Coast BancsharesFRA:GL0 -2.56%39 Equity-to-Asset is 0.10 as of Jun. 2026, which is at its 10-year median of 0.10. GuruFocus rates FRA:GL0 with a GF Score™ of 39/100 and a GF Value™ of €34.32 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,524 Banks companies, Third Coast Bancshares ranks better than 54.53% on this metric.
Third Coast Bancshares (FRA:GL0) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Third Coast Bancshares Equity-to-Asset Related Terms
Third Coast Bancshares Equity-to-Asset Historical Data
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The historical data trend for Third Coast Bancshares's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Third Coast Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Third Coast Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Third Coast Bancshares's Equity-to-Asset falls into.
Third Coast Bancshares Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Third Coast Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Third Coast Bancshares and its competitors. This is near median its historical median of 0.10. Over the past decade, Third Coast Bancshares' Equity-to-Asset has ranged from 0.06 to 0.12. According to the industry distribution chart, Third Coast Bancshares ranks #693 out of 1524 companies in the Banks industry, placing it in the top 45.5%.
Is Third Coast Bancshares' Equity-to-Asset too high?
Third Coast Bancshares' current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Third Coast Bancshares' value of 0.10 is 0% at this industry median. Based on the distribution chart, Third Coast Bancshares ranks #693 out of 1524 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' Equity-to-Asset compare to PFIS and WASH?
According to the Banks industry distribution chart, Third Coast Bancshares ranks #693 out of 1524 companies for Equity-to-Asset. This puts Third Coast Bancshares in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Third Coast Bancshares' value of 0.10 is 0% at this benchmark. Historically, Third Coast Bancshares' own Equity-to-Asset has ranged from 0.06 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Third Coast Bancshares has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Coast Bancshares's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Third Coast Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Coast Bancshares's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 €34.32, compared to a current price of €38.00 — trading 10.7% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. Third Coast Bancshares' overall GF Score™ is 39/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Third Coast Bancshares (FRA:GL0), the current Equity-to-Asset is 0.10 as of Jun. 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 €38.00 is trading 10.7% above its estimated GF Value™ of €34.32.
GuruFocus considers Third Coast Bancshares to be Modestly Overvalued.
Key valuation signals for FRA:GL0:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: €34.32 vs. price of €38.00 (10.7% above fair value)
Industry Position: 0% at the Banks median (#693 of 1524)
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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