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Side-by-side financial comparison of STEM, INC. (STEM) 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 $47.1M, roughly 1.2× STEM, INC.). Third Coast Bancshares, Inc. runs the higher net margin — 28.4% vs -33.9%, a 62.3% gap on every dollar of revenue. Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 17.5%).
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
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.
STEM vs TCBX — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.1M | $57.7M |
| Net Profit | $-16.0M | $16.4M |
| Gross Margin | 48.9% | — |
| Operating Margin | -17.7% | — |
| Net Margin | -33.9% | 28.4% |
| Revenue YoY | -15.6% | — |
| Net Profit YoY | 68.8% | 20.5% |
| EPS (diluted) | $-4.40 | $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 | $47.1M | $56.5M | ||
| Q3 25 | $38.2M | $54.5M | ||
| Q2 25 | $38.4M | $52.0M | ||
| Q1 25 | $32.5M | $45.9M | ||
| Q4 24 | $55.8M | $46.3M | ||
| Q3 24 | $29.3M | $42.9M | ||
| Q2 24 | $34.0M | $41.7M |
| Q1 26 | — | $16.4M | ||
| Q4 25 | $-16.0M | $17.9M | ||
| Q3 25 | $-23.8M | $18.1M | ||
| Q2 25 | $202.5M | $16.7M | ||
| Q1 25 | $-25.0M | $13.6M | ||
| Q4 24 | $-51.1M | $13.7M | ||
| Q3 24 | $-148.3M | $12.8M | ||
| Q2 24 | $-582.3M | $10.8M |
| Q1 26 | — | — | ||
| Q4 25 | 48.9% | — | ||
| Q3 25 | 35.5% | — | ||
| Q2 25 | 33.4% | — | ||
| Q1 25 | 32.4% | — | ||
| Q4 24 | -4.4% | — | ||
| Q3 24 | 21.2% | — | ||
| Q2 24 | 27.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | -17.7% | 38.1% | ||
| Q3 25 | -33.6% | 41.9% | ||
| Q2 25 | -34.8% | 40.5% | ||
| Q1 25 | -65.0% | 37.8% | ||
| Q4 24 | -84.4% | 38.7% | ||
| Q3 24 | -493.2% | 37.9% | ||
| Q2 24 | -1705.5% | 34.1% |
| Q1 26 | — | 28.4% | ||
| Q4 25 | -33.9% | 31.7% | ||
| Q3 25 | -62.2% | 33.1% | ||
| Q2 25 | 527.8% | 32.2% | ||
| Q1 25 | -76.9% | 29.6% | ||
| Q4 24 | -91.6% | 29.7% | ||
| Q3 24 | -506.3% | 29.8% | ||
| Q2 24 | -1712.6% | 25.9% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | $-4.40 | $1.02 | ||
| Q3 25 | $-2.84 | $1.03 | ||
| Q2 25 | $-1.79 | $0.96 | ||
| Q1 25 | $-0.15 | $0.78 | ||
| Q4 24 | $-15.29 | $0.80 | ||
| Q3 24 | $-18.24 | $0.74 | ||
| Q2 24 | $-71.81 | $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 | $48.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-249.4M | $650.5M |
| Total Assets | $308.9M | $6.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $48.9M | $175.2M | ||
| Q3 25 | $43.1M | $116.4M | ||
| Q2 25 | $40.8M | $113.1M | ||
| Q1 25 | $58.6M | $219.0M | ||
| Q4 24 | $56.3M | $371.2M | ||
| Q3 24 | $75.4M | $258.2M | ||
| Q2 24 | $89.6M | $241.8M |
| Q1 26 | — | $650.5M | ||
| Q4 25 | $-249.4M | $531.0M | ||
| Q3 25 | $-235.7M | $513.8M | ||
| Q2 25 | $-214.1M | $496.1M | ||
| Q1 25 | $-417.5M | $479.8M | ||
| Q4 24 | $-398.4M | $460.7M | ||
| Q3 24 | $-344.1M | $450.5M | ||
| Q2 24 | $-203.2M | $435.0M |
| Q1 26 | — | $6.6B | ||
| Q4 25 | $308.9M | $5.3B | ||
| Q3 25 | $362.6M | $5.1B | ||
| Q2 25 | $379.2M | $4.9B | ||
| Q1 25 | $405.1M | $4.9B | ||
| Q4 24 | $437.4M | $4.9B | ||
| Q3 24 | $537.8M | $4.6B | ||
| Q2 24 | $691.5M | $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 | $8.2M | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $8.2M | $50.8M | ||
| Q3 25 | $11.4M | $20.7M | ||
| Q2 25 | $-21.3M | $13.9M | ||
| Q1 25 | $8.5M | $10.5M | ||
| Q4 24 | $-14.7M | $35.1M | ||
| Q3 24 | $-9.4M | $22.0M | ||
| Q2 24 | $-11.9M | $7.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $33.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 72.1% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.8% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.84× | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | -0.11× | 0.83× | ||
| Q1 25 | — | 0.77× | ||
| Q4 24 | — | 2.56× | ||
| Q3 24 | — | 1.72× | ||
| Q2 24 | — | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
STEM
Segment breakdown not available.
TCBX
| Net Interest Income | $53.6M | 93% |
| Noninterest Income | $4.0M | 7% |
