vs
Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and Third Coast Bancshares, Inc. (TCBX). Click either name above to swap in a different company.
Third Coast Bancshares, Inc. is the larger business by last-quarter revenue ($57.7M vs $8.3M, roughly 7.0× Affinity Bancshares, Inc.). Third Coast Bancshares, Inc. runs the higher net margin — 28.4% vs 25.8%, a 2.5% gap on every dollar of revenue. Over the past eight quarters, Third Coast Bancshares, Inc.'s revenue compounded faster (21.8% CAGR vs 10.6%).
Third Coast Bancshares, Inc. is a regional financial holding company headquartered in the U.S. Gulf Coast region. It provides a full suite of commercial and retail banking services including deposit products, business and consumer loans, mortgage services, and wealth management solutions, serving local small and medium-sized enterprises, individual consumers, and community clients across Texas and surrounding areas.
AFBI vs TCBX — Head-to-Head
Income Statement — Q4 2025 vs Q1 2026
| Metric | | |
|---|---|---|
| Revenue | $8.3M | $57.7M |
| Net Profit | $2.1M | $16.4M |
| Gross Margin | — | — |
| Operating Margin | 37.3% | — |
| Net Margin | 25.8% | 28.4% |
| Revenue YoY | 11.0% | — |
| Net Profit YoY | 58.5% | 20.5% |
| EPS (diluted) | $0.34 | $0.88 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $57.7M | ||
| Q4 25 | $8.3M | $52.2M | ||
| Q3 25 | $7.8M | $50.8M | ||
| Q2 25 | $7.8M | $49.4M | ||
| Q1 25 | $7.3M | $42.8M | ||
| Q4 24 | $7.4M | $43.4M | ||
| Q3 24 | $7.4M | $40.4M | ||
| Q2 24 | $7.6M | $38.9M |
| Q1 26 | — | $16.4M | ||
| Q4 25 | $2.1M | $17.9M | ||
| Q3 25 | $2.2M | $18.1M | ||
| Q2 25 | $2.2M | $16.7M | ||
| Q1 25 | $1.8M | $13.6M | ||
| Q4 24 | $1.3M | $13.7M | ||
| Q3 24 | $1.7M | $12.8M | ||
| Q2 24 | $1.0M | $10.8M |
| Q1 26 | — | — | ||
| Q4 25 | 37.3% | 41.2% | ||
| Q3 25 | 37.5% | 44.9% | ||
| Q2 25 | 36.4% | 42.6% | ||
| Q1 25 | 32.8% | 40.5% | ||
| Q4 24 | 21.5% | 41.3% | ||
| Q3 24 | 30.7% | 40.3% | ||
| Q2 24 | 17.7% | 36.6% |
| Q1 26 | — | 28.4% | ||
| Q4 25 | 25.8% | 34.3% | ||
| Q3 25 | 28.5% | 35.5% | ||
| Q2 25 | 27.7% | 33.9% | ||
| Q1 25 | 25.0% | 31.8% | ||
| Q4 24 | 18.1% | 31.6% | ||
| Q3 24 | 23.3% | 31.6% | ||
| Q2 24 | 13.6% | 27.8% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | $0.34 | $1.02 | ||
| Q3 25 | $0.34 | $1.03 | ||
| Q2 25 | $0.33 | $0.96 | ||
| Q1 25 | $0.28 | $0.78 | ||
| Q4 24 | $0.21 | $0.80 | ||
| Q3 24 | $0.26 | $0.74 | ||
| Q2 24 | $0.16 | $0.63 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $53.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $650.5M |
| Total Assets | $881.7M | $6.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $53.9M | $175.2M | ||
| Q3 25 | $84.8M | $116.4M | ||
| Q2 25 | $89.7M | $113.1M | ||
| Q1 25 | $74.7M | $219.0M | ||
| Q4 24 | $41.4M | $371.2M | ||
| Q3 24 | $52.3M | $258.2M | ||
| Q2 24 | $50.4M | $241.8M |
| Q1 26 | — | $650.5M | ||
| Q4 25 | $127.0M | $531.0M | ||
| Q3 25 | $125.4M | $513.8M | ||
| Q2 25 | $124.1M | $496.1M | ||
| Q1 25 | $122.3M | $479.8M | ||
| Q4 24 | $129.1M | $460.7M | ||
| Q3 24 | $128.4M | $450.5M | ||
| Q2 24 | $125.1M | $435.0M |
| Q1 26 | — | $6.6B | ||
| Q4 25 | $881.7M | $5.3B | ||
| Q3 25 | $925.2M | $5.1B | ||
| Q2 25 | $933.8M | $4.9B | ||
| Q1 25 | $912.5M | $4.9B | ||
| Q4 24 | $866.8M | $4.9B | ||
| Q3 24 | $878.6M | $4.6B | ||
| Q2 24 | $873.6M | $4.5B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.3M | — |
| Free Cash FlowOCF − Capex | $2.2M | — |
| FCF MarginFCF / Revenue | 26.3% | — |
| Capex IntensityCapex / Revenue | 1.1% | — |
| Cash ConversionOCF / Net Profit | 1.06× | — |
| TTM Free Cash FlowTrailing 4 quarters | $11.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $2.3M | $5.7M | ||
| Q3 25 | $3.7M | $20.7M | ||
| Q2 25 | $3.8M | $13.9M | ||
| Q1 25 | $1.9M | $10.5M | ||
| Q4 24 | $865.0K | $-3.6M | ||
| Q3 24 | $4.1M | $22.0M | ||
| Q2 24 | $619.0K | $7.3M |
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | — | ||
| Q3 25 | $3.6M | — | ||
| Q2 25 | $3.7M | — | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $842.0K | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $489.0K | — |
| Q1 26 | — | — | ||
| Q4 25 | 26.3% | — | ||
| Q3 25 | 46.6% | — | ||
| Q2 25 | 47.1% | — | ||
| Q1 25 | 24.2% | — | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 6.5% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.06× | 0.32× | ||
| Q3 25 | 1.66× | 1.15× | ||
| Q2 25 | 1.75× | 0.83× | ||
| Q1 25 | 1.05× | 0.77× | ||
| Q4 24 | 0.64× | -0.26× | ||
| Q3 24 | 2.36× | 1.72× | ||
| Q2 24 | 0.60× | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AFBI
Segment breakdown not available.
TCBX
| Net Interest Income | $53.6M | 93% |
| Noninterest Income | $4.0M | 7% |
