Washington Trust vs Third Coast Bancshares

Washington Trust and Third Coast Bancshares are compared to illuminate differences in business models, financial performance, and market context. This page presents a neutral overview of strategy, profitability, and competitive position, without advocating any course of action. It aims to help readers understand how these institutions operate within the wider banking landscape. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

WASH

Metric

TCBX

$569.53M

Market Cap

$531.87M

-1.37%

Potential Profit

6.86%

Hold

Analyst Rating

Buy

Investment Analysis

Washington Trust

WASH

Pros

Washington Trust Bancorp has a diversified business model including commercial banking, mortgage banking, personal banking, and wealth management services.
The bank demonstrated strong growth in net interest income and expansion in wealth management and mortgage banking revenues in Q3 2025.
Washington Trust maintains a long-standing reputation and strong community ties as one of the oldest community banks, which supports customer loyalty and long-term value creation.

Considerations

The company reported a net loss of $24.35 million over the trailing twelve months, resulting in a negative earnings per share of -1.33.
Its 52-week stock price has experienced significant volatility, ranging from $24.95 to $40.59, indicating possible market uncertainty.
Despite recent growth, net income decreased quarter-over-quarter from $13.2 million in Q2 2025 to $10.8 million in Q3 2025, signalling potential profitability pressures.

Third Coast Bancshares

TCBX

Pros

Third Coast Bancshares focuses on providing commercial banking solutions tailored to small and medium-sized businesses, which can drive steady loan growth.
The company has a market capitalization comparable to Washington Trust Bancorp, reflecting a solid presence in its regional banking market.
Third Coast Bancshares benefits from Nasdaq listing, enhancing its visibility to a broad investor base and liquidity.

Considerations

As a regional bank holding company, Third Coast Bancshares may face risks related to economic cyclicality and concentration in small and medium businesses.
Limited publicly available information on recent financial results suggests a lower profile, which may increase uncertainty about growth prospects.
Its stock price has experienced some recent volatility, trading within a 52-week range up to $41.25, which may reflect market sensitivity to sector or regional economic factors.

About The Companies

Washington Trust (WASH)

Washington Trust Bancorp, Inc. is the parent company of The Washington Trust Company, a state-chartered bank with a long history. The business operates in two main areas. The first is Commercial Banking, which covers a range of traditional services like business and personal loans, mortgages, deposit accounts, and modern conveniences like internet and mobile banking. The second is Wealth Management Services, which offers investment management, financial planning, and trust and estate services for individuals and institutions. This dual focus allows the company to serve a broad spectrum of financial needs, from everyday banking to long-term wealth planning. For investors, it represents a blend of conventional banking stability with the growth potential of wealth management, though its performance is linked to the economic health of the regions it serves. As always, the value of investments can go down as well as up.

Third Coast Bancshares (TCBX)

Third Coast Bancshares, Inc. is a bank holding company that operates through its subsidiary, Third Coast Bank, across key metropolitan areas in Texas, including Greater Houston, Dallas-Fort Worth, and Austin-San Antonio. The company focuses on providing tailored commercial banking solutions for small to medium-sized businesses and professionals. It offers a comprehensive range of traditional banking products like checking and savings accounts, alongside modern services such as online and mobile banking, treasury management solutions, and merchant card services. By concentrating on some of Texas's most dynamic economic regions, Third Coast aims to build strong relationships with its business clients. As with any financial institution, its performance can be influenced by economic conditions, interest rate changes, and competition. Investors might find its regional focus and specialisation in commercial banking noteworthy when evaluating its position in the market.

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Washington Trust vs Third Coast Bancshares

Comparison Snapshot

Investment Analysis

Washington Trust

Pros

Considerations

Third Coast Bancshares

Pros

Considerations

About The Companies

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Frequently asked questions

What is the difference between a diversified banking model and a focused regional bank model as seen in Washington Trust and Third Coast Bancshares?

How can we interpret earnings trends when a company reports a trailing twelve months loss while another shows positive quarter-to-quarter momentum?

Why might a bank’s stock price exhibit wide 52-week volatility, and what does that imply for comparison?

What does a market capitalisation tell us when comparing Washington Trust with Third Coast Bancshares?

How should diversification in business lines influence risk assessment for each stock?

What role do income sources play in evaluating growth potential for these banks?

Why is it important to consider non-GAAP measures or earnings quality when comparing banks?

How do regional market conditions affect the two banks differently?

What does listing status (e.g., Nasdaq) imply for Third Coast Bancshares’ accessibility and visibility?

How should I use this comparison page to form a neutral view without investment advice?

What should I consider when reviewing the provided pros and cons for each stock?

Educational disclaimer: what is the intended purpose of this page?

Comparison Snapshot

About The Companies