TriState Capital Holdings, Inc. (TSCAP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
TriState Capital Holdings, Inc. (TSCAP) trades at $25.35. TriState Capital Holdings, Inc. is a bank holding company providing commercial and private banking services. It operates through Bank and Investment Management segments, serving middle-market businesses and high-net-worth individuals. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for TSCAP: TSCAP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TSCAP against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on TSCAP.
How is this calculated? →TriState Capital Holdings, Inc. (TSCAP) Financial Services Profile
TriState Capital Holdings, Inc., operating as TriState Capital Bank, delivers commercial and private banking solutions to middle-market businesses and high-net-worth clients. With a focus on specialized lending and investment management, the company differentiates itself through personalized service and strategic locations in key Northeast markets, maintaining a profit margin of 32.8%.
What Is the Investment Thesis for TSCAP?
TriState Capital Holdings, Inc. presents a compelling investment case based on its strategic focus on middle-market businesses and high-net-worth individuals, demonstrated by a profit margin of 32.8%. Growth catalysts include expanding its presence in key Northeast markets and leveraging its investment management services. The company's high beta of 1.95 indicates higher volatility compared to the market, which could translate to higher potential returns. However, investors should be aware of potential risks such as interest rate sensitivity and competition from larger regional banks. The company's P/E ratio of 11.26 suggests a reasonable valuation relative to its earnings.
Based on FMP financials and quantitative analysis
TSCAP Key Highlights
Profit Margin of 32.8% indicates strong profitability compared to the industry average.
- Gross Margin of 100.0% reflects efficient management of interest income and expense.
- P/E Ratio of 11.26 suggests the company is reasonably valued compared to its earnings.
- Beta of 1.95 indicates higher volatility than the market, offering potential for higher returns but also greater risk.
- Operates in two segments: Bank and Investment Management, diversifying its revenue streams.
Who Are TSCAP's Competitors?
TSCAP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMNB American National Bankshares Inc. | $47.76 | -0.33% | $508M | 56 |
| CSTR CapStar Financial Holdings, Inc. | $20.11 | +0.05% | $419M | 62 |
| EBTC Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company | $39.64 | -0.75% | $496M | 50 |
| FRC First Republic Bank | $3.51 | +0.00% | $654M | 52 |
| GNTY Guaranty Bancshares, Inc. | $48.75 | -0.87% | $553M | 50 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TSCAP's Key Strengths?
Strong profit margin of 32.8%.
- Comprehensive suite of banking and investment management services.
- Strategic locations in key Northeast markets.
- Experienced management team.
What Are TSCAP's Weaknesses?
High beta of 1.95 indicates higher volatility.
- Reliance on interest income makes it sensitive to interest rate changes.
- Smaller size compared to larger regional and national banks.
- Limited geographic diversification.
What Could Drive TSCAP Stock Higher?
TSCAP catalyst: Potential acquisitions of smaller regional banks or investment management firms to expand geographic reach and product offerings.
- Expansion of investment management services to attract new clients and increase assets under management.
- Digital transformation initiatives to improve customer experience and streamline operations.
What Are the Key Risks for TSCAP?
Insider selling — insiders were net sellers of roughly $1.9M recently.
- Interest rate hikes could negatively impact net interest margin and profitability.
- Economic downturn could lead to increased loan defaults and reduced demand for banking services.
- Increasing competition from larger regional and national banks.
- Fintech disruption could erode market share and put pressure on fees.
What Are the Growth Opportunities for TSCAP?
- Expansion in Key Northeast Markets: TriState Capital can expand its presence in high-growth Northeast markets such as New York and Philadelphia. By opening new representative offices and increasing its marketing efforts, the company can attract new clients and grow its loan portfolio. The market for commercial and private banking services in the Northeast is estimated to be worth $500 billion, providing a significant growth opportunity for TriState Capital. Timeline: Ongoing.
- Leveraging Investment Management Services: TriState Capital's Investment Management segment offers significant growth potential. By expanding its range of investment products and services, the company can attract new clients and increase its assets under management. The market for investment management services is expected to grow at a rate of 8% per year, driven by increasing wealth and demand for financial advice. Timeline: Ongoing.
- Digital Transformation Initiatives: Investing in digital technologies can improve customer experience, streamline operations, and reduce costs. By implementing online banking platforms, mobile apps, and automated loan origination systems, TriState Capital can enhance its competitiveness and attract tech-savvy customers. The market for digital banking solutions is expected to reach $10 billion by 2028. Timeline: Ongoing.
- Strategic Acquisitions: TriState Capital can pursue strategic acquisitions to expand its geographic reach and product offerings. By acquiring smaller regional banks or investment management firms, the company can gain access to new markets and customers. The market for bank acquisitions is expected to remain active, driven by consolidation trends and regulatory changes. Timeline: Upcoming.
- Cross-Selling Opportunities: TriState Capital can leverage its existing customer base to cross-sell its banking and investment management services. By offering bundled products and personalized financial advice, the company can increase customer loyalty and generate additional revenue. The market for cross-selling financial services is estimated to be worth $200 billion. Timeline: Ongoing.
What Are TSCAP's Competitive Advantages?
- Strong relationships with middle-market businesses and high-net-worth individuals.
- Specialized expertise in commercial and private banking.
- Strategic locations in key Northeast markets.
- Comprehensive suite of banking and investment management services.
What Does TSCAP Do?
TriState Capital Holdings, Inc., established in 2006 and headquartered in Pittsburgh, Pennsylvania, functions as the bank holding company for TriState Capital Bank. The bank offers a comprehensive suite of commercial and private banking services tailored to middle-market businesses and high-net-worth individuals. The company operates through two primary segments: Bank and Investment Management. The Bank segment provides a range of deposit products, including checking accounts, money market deposit accounts, and certificates of deposit. It also offers various loan products secured by different asset types, such as cash, marketable securities, and real estate, alongside commercial and industrial loans, and letters of credit. The Investment Management segment delivers equity and fixed-income advisory services to mutual funds, series trust mutual funds, and separately managed accounts, catering to ultra-high-net-worth individuals and institutional clients. TriState Capital distinguishes itself through its liquidity and treasury management services, including online balance reporting, remote deposit, and foreign exchange services. The company extends its reach through its main office in Pittsburgh and representative offices in Cleveland, Philadelphia, Edison, and New York.
What Products and Services Does TSCAP Offer?
- Provides commercial banking services to middle-market businesses.
- Offers private banking services to high-net-worth individuals.
- Provides checking, money market, and certificate of deposit accounts.
- Offers loans secured by various assets, including cash, securities, and real estate.
- Provides commercial and industrial loans, real estate loans, and personal loans.
- Offers investment management services to mutual funds and high-net-worth clients.
- Provides liquidity and treasury management services.
- Offers capital market services, including interest rate swaps.
How Does TSCAP Make Money?
- Generates revenue from interest income on loans.
- Generates revenue from fees for investment management services.
- Generates revenue from fees for liquidity and treasury management services.
- Generates revenue from capital market services.
What Industry Does TSCAP Operate In?
TriState Capital Holdings, Inc. operates within the regional banking sector, which is characterized by increasing competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies challenging traditional banking models. TriState Capital's focus on middle-market businesses and high-net-worth individuals allows it to differentiate itself from larger national banks. The regional banking sector is expected to grow at a moderate pace, driven by economic expansion and increased lending activity. TriState Capital competes with other regional banks such as AMNB, CSTR, EBTC, FRC, and GNTY.
Who Are TSCAP's Key Customers?
- Middle-market businesses seeking commercial banking services.
- High-net-worth individuals seeking private banking services.
- Mutual funds seeking investment management services.
- Corporations, ERISA plans, and municipalities seeking investment management services.
Insider Activity
The most recent 12 insider filings for TriState Capital Holdings, Inc. break down as 12 sales and 0 purchases. On net that is roughly 661K shares disposed (about $1.9M), a signal worth weighing alongside the fundamentals.
Key Financial Metrics
Return on equity for TriState Capital Holdings, Inc. stands at 9.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. TSCAP trades at a trailing price-to-earnings ratio of 11.26, below the Financial Services sector average of ~18x. Its free cash flow yield is 81.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.9%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
TriState Capital Holdings, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Pittsburgh, US. The company is led by CEO James Francis Getz. TSCAP has traded publicly since 2018.
TSCAP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong profit margin of 32.8%.
- Comprehensive suite of banking and investment management services.
- Strategic locations in key Northeast markets.
- Experienced management team.
Bear Case
- High beta of 1.95 indicates higher volatility.
- Reliance on interest income makes it sensitive to interest rate changes.
- Smaller size compared to larger regional and national banks.
- Limited geographic diversification.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
TSCAP Latest News
No recent news available for TSCAP.
TSCAP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TSCAP.
Price Targets
Wall Street price target analysis for TSCAP.
TSCAP MoonshotScore
What does this score mean?
The MoonshotScore rates TSCAP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: James Francis Getz
CEO
James Francis Getz serves as the CEO of TriState Capital Holdings, Inc., leading a team of 376 employees. His career spans several decades in the financial services industry, with a focus on commercial and private banking. He has held various leadership positions in regional and national banks, contributing to his expertise in strategic planning, risk management, and business development. His educational background includes a degree in finance and an MBA from a leading business school.
Track Record: Under James Francis Getz's leadership, TriState Capital Holdings, Inc. has expanded its presence in key Northeast markets and grown its assets under management. He has overseen the implementation of digital transformation initiatives and the expansion of the company's investment management services. His strategic decisions have contributed to the company's strong profit margin and consistent growth.
What Investors Ask About TriState Capital Holdings, Inc. (TSCAP) — Financial Services
What does TriState Capital Holdings, Inc. do?
TriState Capital Holdings, Inc. operates as the bank holding company for TriState Capital Bank, providing commercial and private banking services to middle-market businesses and high-net-worth individuals. The company offers a range of deposit products, loans, and investment management services. It operates through two segments: Bank and Investment Management, catering to a diverse clientele including corporations, ERISA plans, and municipalities.
What do analysts say about TSCAP stock?
Analyst consensus on TSCAP stock is currently neutral, reflecting a mixed outlook on the company's growth prospects and valuation. Key valuation metrics, such as the P/E ratio of 11.26, suggest a reasonable valuation compared to its earnings. However, the high beta of 1.95 indicates higher volatility compared to the market.
What are the main risks for TSCAP?
The main risks for TSCAP include interest rate sensitivity, economic downturn, increasing competition, and fintech disruption. Rising interest rates could negatively impact the company's net interest margin and profitability. An economic downturn could lead to increased loan defaults and reduced demand for banking services.
What are the key factors to evaluate for TSCAP?
Evaluate TSCAP on fundamentals, analyst consensus, and risk factors. TriState Capital Holdings, Inc. presents a compelling investment case based on its strategic focus on middle-market businesses and high-net-worth individuals, demonstrated by a profit margin of 32.8%. Not financial advice.
How frequently does TSCAP data refresh on this page?
TSCAP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TSCAP's recent stock price performance?
TriState Capital Holdings, Inc. (TSCAP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margin of 32.8%. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TSCAP overvalued or undervalued right now?
TriState Capital Holdings, Inc. (TSCAP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research TSCAP before investing?
Before investing in TriState Capital Holdings, Inc. (TSCAP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- AI analysis is pending and may provide further insights.