Third Coast Bancshares (FRA:GL0) Moat Score: 3/10 (As of Jul. 01, 2026)


FRA:GL0 Third Coast Bancshares Inc FRA:GL0
34 GF Score
Price €34.80
GF Value €32.15
Valuation Fairly Valued
! 4 Warning Signs
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What is Third Coast Bancshares Moat Score?

Third Coast Bancshares FRA:GL0 -0.57% 34 Moat Score is 3 as of Jul. 01, 2026. GuruFocus rates FRA:GL0 with a GF Score™ of 34/100 and a GF Value™ of €32.15 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Third Coast Bancshares ranks better than 74.49% on this metric.

Third Coast Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Third Coast Bancshares has No Moat: Third Coast Bancshares lacks significant market leadership or unique competitive advantages. It operates in a highly competitive banking sector with low switching costs and minimal brand differentiation. The company does not exhibit strong pricing power or significant regulatory barriers, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Third Coast Bancshares might have No Moat - Very weak/transient advantages.

Third Coast Bancshares  (FRA:GL0) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Third Coast Bancshares Moat Score Related Terms

FRA:GL0 vs AROW, HIFS, PFIS: Moat Score Comparison

For the Banks - Regional subindustry, Third Coast Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Third Coast Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Third Coast Bancshares's Moat Score falls into.


FRA:GL0
34GF Score
Third Coast Bancshares Inc FRA:GL0
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Third Coast Bancshares (FRA:GL0) has a Moat Score of 3 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Third Coast Bancshares ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Third Coast Bancshares' Moat Score too high?
Third Coast Bancshares' current Moat Score is 3. Based on the distribution chart, Third Coast Bancshares ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Third Coast Bancshares has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Third Coast Bancshares' Moat Score compare to AROW and HIFS?
According to the Banks industry distribution chart, Third Coast Bancshares ranks #411 out of 1611 companies for Moat Score. This puts Third Coast Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Third Coast Bancshares's current Moat Score is 3. 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 Fairly Valued. The stock's GF Value™ is €32.15, compared to a current price of €34.80 — trading 8.2% above its estimated fair value. The current Moat Score is 3. Third Coast Bancshares' overall GF Score™ is 34/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Third Coast Bancshares (FRA:GL0), the current Moat Score is 3 as of Jul. 01, 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 €34.80 is trading 8.2% above its estimated GF Value™ of €32.15. GuruFocus considers Third Coast Bancshares to be Fairly Valued.

Key valuation signals for FRA:GL0:

  • Moat Score: 3
  • GF Value™: €32.15 vs. price of €34.80 (8.2% above fair value)
  • GF Score™: 34/100 with 4 warning signs

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 Business Description

Other Exchanges TCBX:USA
Address 20202 Highway 59 North, Suite 190, Humble, TX, USA, 77338
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.
34GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€34.80
Price
€32.15
GF Value