Third Coast BancsharesFRA:GL0 -1.69%36 PB Ratio is 1.03 as of Jun. 30, 2026, which is 17% above its 10-year median of 0.88. GuruFocus rates FRA:GL0 with a GF Score™ of 36/100 and a GF Value™ of €32.35 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Third Coast Bancshares ranks better than 55.83% on this metric.
Third Coast Bancshares Inc stock PB Ratio (=1.03) is close to 3-year high of 1.14.
The historical rank and industry rank for Third Coast Bancshares's PB Ratio or its related term are showing as below:
FRA:GL0'
s PB Ratio Range Over the Past 10 Years
Min: 0.49 Med: 0.88 Max: 1.7
Current: 1.03
During the past 7 years, Third Coast Bancshares's highest PB Ratio was 1.70. The lowest was 0.49. And the median was 0.88.
FRA:GL0's PB Ratio is ranked better than 55.83% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs FRA:GL0: 1.03
During the past 12 months, Third Coast Bancshares's average Book Value Per Share Growth Rate was 13.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 25.90% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Third Coast Bancshares was 82.30% per year. The lowest was 10.70% per year. And the median was 29.85% per year.
Back to Basics: PB Ratio
Third Coast Bancshares (FRA:GL0) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Third Coast Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Third Coast Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Third Coast Bancshares (FRA:GL0) has a PB Ratio of 1.03 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Third Coast Bancshares and its competitors. This is 17% above median its historical median of 0.88. Over the past decade, Third Coast Bancshares' PB Ratio has ranged from 0.49 to 1.70. According to the industry distribution chart, Third Coast Bancshares ranks #671 out of 1519 companies in the Banks industry, placing it in the top 44.2%.
Is Third Coast Bancshares' PB Ratio too high?
Third Coast Bancshares' current PB Ratio of 1.03 is 17% above median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 1.70. The Banks industry median PB Ratio is 1.09. Third Coast Bancshares' value of 1.03 is 5.5% below this industry median. Based on the distribution chart, Third Coast Bancshares ranks #671 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Third Coast Bancshares has a GF Score™ of 36/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Third Coast Bancshares' PB Ratio compare to AROW and HIFS?
According to the Banks industry distribution chart, Third Coast Bancshares ranks #671 out of 1519 companies for PB Ratio. This puts Third Coast Bancshares in the upper half of its industry. The industry median PB Ratio is 1.09. Third Coast Bancshares' value of 1.03 is 5.5% below this benchmark. Historically, Third Coast Bancshares' own PB Ratio has ranged from 0.49 to 1.70 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Coast Bancshares's current PB Ratio of 1.03 is 5.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Third Coast Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Coast Bancshares's current PB Ratio is 1.03, which is 17% above median its own 10-year median of 0.88. 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 €32.35, compared to a current price of €35.00 — trading 8.2% above its estimated fair value. The current PB Ratio is 1.03, which is 17% above median its 10-year median of 0.88 and 5.5% below the Banks industry median of 1.09. Third Coast Bancshares' overall GF Score™ is 36/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Third Coast Bancshares (FRA:GL0), the current PB Ratio is 1.03 as of Jun. 30, 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 €35.00 is trading 8.2% above its estimated GF Value™ of €32.35.
GuruFocus considers Third Coast Bancshares to be Fairly Valued.
Key valuation signals for FRA:GL0:
PB Ratio: 1.03 (17% above median its 10-year median of 0.88)
GF Value™: €32.35 vs. price of €35.00 (8.2% above fair value)
Industry Position: 5.5% below the Banks median (#671 of 1519)
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.
36GF Score
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