Is Third Coast Bancshares, Inc. (TCBX) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 40.4% | |
| Net Margin | 32.9% | |
| Return on Equity (ROE) | 13.4% | |
| Return on Assets (ROA) | 1.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $51M |
| Free Cash Flow | $48M |
| Total Debt | $137M |
| Total Assets | $5.3B |
Price & Trading
| Last Close | $37.68 |
| 50-Day MA | $39.88 |
| 200-Day MA | $38.12 |
| Avg Volume | 74K |
| Beta | 0.7 |
|
52-Week Range
$25.17
| |
About Third Coast Bancshares, Inc. (TCBX)
Third Coast Bancshares, Inc. operates as the bank holding company for Third Coast Bank that provides various commercial banking solutions to small and medium-sized businesses and professionals in Texas, the United States. The company's deposit products include checking, money market, savings, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio consists of commercial and residential real estate loans; construction, development and other loans; commercial and industrial loans; and farmland, consumer, and agricultural loans, as well as lease financing and bond anticipation notes, as well as financial products and services. The company also provides retail and commercial online banking platforms, mobile banking apps, treasury management solutions, merchant card services, and customer digital solutions, as well as debit and credit cards. In addition, it offers state and municipal and mortgage-backed securities, agency collateralized mortgage obligations, the U.S. treasury bonds, and corporate bonds. The company was founded in 2008 and is headquartered in Humble, Texas.
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Frequently Asked Questions
Is Third Coast Bancshares, Inc. (TCBX) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Third Coast Bancshares, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Third Coast Bancshares, Inc.'s debt ratio?
Third Coast Bancshares, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Third Coast Bancshares, Inc.'s key financial metrics?
Third Coast Bancshares, Inc. has a market capitalization of $613M, trailing P/E ratio of 9.8, and revenue of $208M. Return on equity stands at 13.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.