Third Coast BancsharesTCBX +0.22%56 Net Margin % is 28.64% as of Mar. 2026, which is 64% above its 10-year median of 17.51. GuruFocus rates TCBX with a GF Score™ of 56/100 and a GF Value™ of $37.26 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Third Coast Bancshares ranks better than 66.14% on this metric.
The historical rank and industry rank for Third Coast Bancshares's Net Margin % or its related term are showing as below:
TCBX'
s Net Margin % Range Over the Past 10 Years
Min: 6.94 Med: 17.51 Max: 31.91
Current: 31.5
TCBX's Net Margin % is ranked better than 66.14% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs TCBX: 31.50
Third Coast Bancshares (NYSE:TCBX) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Third Coast Bancshares Net Margin % Related Terms
Third Coast Bancshares Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Third Coast Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Third Coast Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Third Coast Bancshares's Net Margin % 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 (TCBX) has a Net Margin % of 28.64% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Third Coast Bancshares and its competitors. This is 64% above median its historical median of 17.51. Over the past decade, Third Coast Bancshares' Net Margin % has ranged from 6.94 to 31.91. According to the industry distribution chart, Third Coast Bancshares ranks #518 out of 1530 companies in the Banks industry, placing it in the top 33.9%.
Is Third Coast Bancshares' Net Margin % too high?
Third Coast Bancshares' current Net Margin % of 28.64% is 64% above median its 10-year median of 17.51. Over the past 10 years, this metric has ranged from a low of 6.94 to a high of 31.91. The Banks industry median Net Margin % is 26.85. Third Coast Bancshares' value of 28.64% is 6.7% above this industry median. Based on the distribution chart, Third Coast Bancshares ranks #518 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Third Coast Bancshares has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Third Coast Bancshares' Net Margin % compare to AROW and HIFS?
According to the Banks industry distribution chart, Third Coast Bancshares ranks #518 out of 1530 companies for Net Margin %. This puts Third Coast Bancshares in the upper half of its industry. The industry median Net Margin % is 26.85. Third Coast Bancshares' value of 28.64% is 6.7% above this benchmark. Historically, Third Coast Bancshares' own Net Margin % has ranged from 6.94 to 31.91 over the past decade. While the company's 10-year median is 17.51 vs. the industry median of 26.85, Third Coast Bancshares has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Coast Bancshares's current Net Margin % of 28.64% is 6.7% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Third Coast Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Coast Bancshares's current Net Margin % is 28.64%, which is 64% above median its own 10-year median of 17.51. 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 (TCBX) is currently considered Fairly Valued. The stock's GF Value™ is $37.26, compared to a current price of $40.40 — trading 8.4% above its estimated fair value. The current Net Margin % is 28.64%, which is 64% above median its 10-year median of 17.51 and 6.7% above the Banks industry median of 26.85. Third Coast Bancshares' overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Third Coast Bancshares (TCBX), the current Net Margin % is 28.64% 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 (TCBX) Overvalued in 2026?
Based on GuruFocus' analysis, Third Coast Bancshares stock appears to be overvalued.
The current stock price of $40.40 is trading 8.4% above its estimated GF Value™ of $37.26.
GuruFocus considers Third Coast Bancshares to be Fairly Valued.
Key valuation signals for TCBX:
Net Margin %: 28.64% (64% above median its 10-year median of 17.51)
GF Value™: $37.26 vs. price of $40.40 (8.4% above fair value)
Industry Position: 6.7% above the Banks median (#518 of 1530)
No single metric tells the full story. See the TCBX 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.
56GF Score
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