Third Coast BancsharesFRA:GL0 -0.57%34 Return-on-Tangible-Equity is 11.89% as of Mar. 2026, which is 35% above its 10-year median of 8.84. GuruFocus rates FRA:GL0 with a GF Score™ of 34/100 and a GF Value™ of €32.32 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, Third Coast Bancshares ranks better than 65.13% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Third Coast Bancshares's annualized net income for the quarter that ended in Mar. 2026 was €56.6 Mil. Third Coast Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €476.4 Mil. Therefore, Third Coast Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.89%.
The historical rank and industry rank for Third Coast Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
FRA:GL0'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.16 Med: 8.84 Max: 15.19
Current: 13.59
During the past 7 years, Third Coast Bancshares's highest Return-on-Tangible-Equity was 15.19%. The lowest was 4.16%. And the median was 8.84%.
FRA:GL0's Return-on-Tangible-Equity is ranked better than 65.13% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs FRA:GL0: 13.59
Third Coast Bancshares (FRA:GL0) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Third Coast Bancshares Return-on-Tangible-Equity Related Terms
Third Coast Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Third Coast Bancshares's Return-on-Tangible-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.
Third Coast Bancshares Return-on-Tangible-Equity Chart
FRA:GL0 vs AROW, HIFS, PFIS: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Third Coast Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Third Coast Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Third Coast Bancshares's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.89% mean?
Third Coast Bancshares (FRA:GL0) has a Return-on-Tangible-Equity of 11.89% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Third Coast Bancshares and its competitors. This is 35% above median its historical median of 8.84. Over the past decade, Third Coast Bancshares' Return-on-Tangible-Equity has ranged from 4.16 to 15.19. According to the industry distribution chart, Third Coast Bancshares ranks #531 out of 1523 companies in the Banks industry, placing it in the top 34.9%.
Is Third Coast Bancshares' Return-on-Tangible-Equity too high?
Third Coast Bancshares' current Return-on-Tangible-Equity of 11.89% is 35% above median its 10-year median of 8.84. Over the past 10 years, this metric has ranged from a low of 4.16 to a high of 15.19. The Banks industry median Return-on-Tangible-Equity is 11.19. Third Coast Bancshares' value of 11.89% is 6.3% above this industry median. Based on the distribution chart, Third Coast Bancshares ranks #531 out of 1523 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' Return-on-Tangible-Equity compare to AROW and HIFS?
According to the Banks industry distribution chart, Third Coast Bancshares ranks #531 out of 1523 companies for Return-on-Tangible-Equity. This puts Third Coast Bancshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Third Coast Bancshares' value of 11.89% is 6.3% above this benchmark. Historically, Third Coast Bancshares' own Return-on-Tangible-Equity has ranged from 4.16 to 15.19 over the past decade. While the company's 10-year median is 8.84 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Coast Bancshares's current Return-on-Tangible-Equity of 11.89% is 6.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Third Coast Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Coast Bancshares's current Return-on-Tangible-Equity is 11.89%, which is 35% above median its own 10-year median of 8.84. 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 €32.32, compared to a current price of €34.60 — trading 7.1% above its estimated fair value. The current Return-on-Tangible-Equity is 11.89%, which is 35% above median its 10-year median of 8.84 and 6.3% above the Banks industry median of 11.19. Third Coast Bancshares' overall GF Score™ is 34/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Third Coast Bancshares (FRA:GL0), the current Return-on-Tangible-Equity is 11.89% 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 €34.60 is trading 7.1% above its estimated GF Value™ of €32.32.
GuruFocus considers Third Coast Bancshares to be Fairly Valued.
Key valuation signals for FRA:GL0:
Return-on-Tangible-Equity: 11.89% (35% above median its 10-year median of 8.84)
GF Value™: €32.32 vs. price of €34.60 (7.1% above fair value)
Industry Position: 6.3% above the Banks median (#531 of 1523)
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.
34GF Score
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