TriState Capital Holdings, Inc. (TSC) 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. (TSC) trades at $30.58 with AI Score 58/100 (Grade B). TriState Capital Holdings, Inc. Market cap: $116M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 10, 2026Analyst Coverage for TSC: TSC 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 TSC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TSC: the 3 scored disciplines are evenly split. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
TriState Capital Holdings, Inc. (TSC) Financial Services Profile
TriState Capital Holdings, Inc. specializes in providing tailored banking and investment management services to middle-market businesses and high-net-worth individuals, leveraging a strong market presence and a comprehensive suite of financial products.
What Is the Investment Thesis for TSC?
TriState Capital Holdings, Inc. presents a solid investment thesis underpinned by its strong profit margin of 32.8% and a P/E ratio of 11.3, indicating effective cost management and valuation relative to earnings. The company's focus on middle-market businesses and high-net-worth individuals positions it well within a growing segment of the financial services industry, particularly as these demographics seek specialized banking solutions. With a robust suite of products, including commercial loans and investment management services, TriState Capital is poised to benefit from increasing demand for personalized financial services. Additionally, the company's strategic alignment with Raymond James Financial enhances its operational capabilities and market presence. However, potential risks include exposure to economic downturns which could affect loan performance and profitability. The overall growth outlook remains positive, supported by ongoing investments in technology and service expansion.
Based on FMP financials and quantitative analysis
TSC Key Highlights
- Market Cap of $116M reflects a strong position in regional banking.
- Profit Margin of 32.8% indicates effective management and operational efficiency.
- P/E ratio of 11.3 suggests the stock is reasonably valued compared to earnings.
- Gross Margin of 100.0% highlights the company's ability to maintain profitability across its services.
- Beta of 1.95 indicates higher volatility compared to the market, reflecting potential investment risk.
Who Are TSC's Competitors?
TSC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| JPM JPMorgan Chase & Co. | $347.64 | -0.16% | $932B | 88 |
| PNC The PNC Financial Services Group, Inc. | $249.26 | -1.29% | $101B | 77 |
| KEY KeyCorp | $22.72 | -1.69% | $24.5B | 94 |
| FITB Fifth Third Bancorp | $57.15 | -0.90% | $51.8B | 76 |
| FRAF Franklin Financial Services Corporation | $62.81 | +1.82% | $282M | 92 |
| FVCB FVCBankcorp, Inc. | $17.66 | -0.90% | $318M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.50 | -1.62% | $344M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TSC's Key Strengths?
- High profit margin of 32.8%, indicating strong operational efficiency.
- Diverse product offerings catering to both banking and investment management.
- Established regional presence with multiple offices enhancing market reach.
- Strong backing from Raymond James Financial, providing additional resources.
What Are TSC's Weaknesses?
- Limited geographic presence compared to larger national banks.
- No dividend yield may deter income-focused investors.
- Higher beta of 1.95 suggests increased volatility and risk.
- Dependence on economic conditions affecting loan demand and performance.
What Could Drive TSC Stock Higher?
- Expansion of commercial banking services targeting middle-market businesses.
- Strategic alignment with Raymond James Financial enhancing operational capabilities.
- Investment in digital transformation initiatives to improve customer experience.
- Launch of new treasury management services to attract corporate clients.
What Are the Key Risks for TSC?
- Financial-distress signal — its Altman Z-Score of 0.16 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns impacting loan performance and profitability.
- Intense competition from fintech disruptors and larger banks.
- Regulatory changes affecting operational costs and compliance requirements.
- Market volatility impacting investment management performance.
What Are the Growth Opportunities for TSC?
- Expansion of Commercial Banking Services: TriState Capital has the opportunity to expand its commercial banking services, targeting middle-market businesses that require tailored financial solutions. The U.S. commercial banking market is projected to grow by 5% annually, driven by increased demand for loans and treasury management services. By enhancing its product offerings and marketing efforts, TriState Capital can capture a larger market share in this lucrative segment.
- Investment Management Growth: The investment management segment presents significant growth potential, particularly among ultra-high-net-worth individuals and institutional clients. As the wealth management industry continues to expand, driven by rising asset values and increasing investment complexity, TriState Capital can leverage its advisory services to attract new clients. The global wealth management market is expected to grow at a CAGR of 7% over the next five years, providing a favorable backdrop for TriState's investment management services.
- Digital Transformation Initiatives: As fintech disruptors reshape the banking landscape, TriState Capital can invest in digital transformation to enhance customer experience and operational efficiency. By adopting advanced technologies such as AI and machine learning, the company can streamline its services, improve risk management, and offer innovative financial products. The digital banking market is projected to reach $1 trillion by 2027, presenting a substantial growth opportunity for early adopters.
- Geographic Expansion: TriState Capital can explore opportunities for geographic expansion beyond its current markets. By establishing a presence in underserved regions or states with growing economies, the company can tap into new customer bases and diversify its revenue streams. The regional banking sector is witnessing consolidation, and strategic acquisitions could further bolster TriState's market position.
- Enhanced Treasury Management Services: With businesses increasingly seeking efficient cash management solutions, TriState Capital can enhance its treasury management services to attract corporate clients. The global treasury management market is expected to grow by 8% annually, driven by the need for effective liquidity management and risk mitigation. By offering comprehensive cash management solutions, TriState Capital can solidify its reputation as a trusted financial partner.
What Opportunities Does TSC Have?
- Expansion into new geographic markets to capture additional clientele.
- Growth potential in the investment management sector driven by rising wealth.
- Increased demand for digital banking solutions and enhanced customer experience.
- Potential for strategic acquisitions to bolster market position.
What Threats Does TSC Face?
- Intense competition from both traditional banks and fintech companies.
- Economic downturns may negatively impact loan performance and profitability.
- Regulatory changes could impose additional compliance costs.
- Market volatility may affect investment management performance.
What Are TSC's Competitive Advantages?
- Strong regional presence with established relationships in key markets.
- Comprehensive suite of financial products tailored to specific customer needs.
- Expertise in both commercial banking and investment management sectors.
- Support from parent company Raymond James Financial enhances credibility and resources.
What Does TSC Do?
Founded in 2006, TriState Capital Holdings, Inc. has established itself as a key player in the regional banking sector, headquartered in Pittsburgh, Pennsylvania. The company operates as the bank holding company for TriState Capital Bank, which offers a diverse range of commercial and private banking services tailored to meet the needs of middle-market businesses and high-net-worth individuals across the United States. TriState Capital operates through two main segments: Bank and Investment Management. The Bank segment provides various deposit products, including checking accounts, money market deposit accounts, and certificates of deposit, as well as a suite of secured and unsecured loan products. These include commercial and industrial loans, commercial real estate loans, personal loans, and asset-based loans, among others. The Investment Management segment focuses on delivering equity and fixed income advisory services to institutional clients, including corporations, ERISA plans, and endowments. The company also engages in capital market services, offering products such as interest rate swaps and investment management solutions. With additional offices in Cleveland, Philadelphia, Edison, and New York, TriState Capital is well-positioned to serve its clients with a comprehensive range of financial services. As of May 31, 2022, the company operates as a subsidiary of Raymond James Financial, Inc., which enhances its capabilities and market reach.
What Products and Services Does TSC Offer?
- Provide commercial and private banking services to middle-market businesses.
- Offer a range of deposit products including checking and money market accounts.
- Extend various types of loans, including commercial, industrial, and personal loans.
- Deliver investment management services to high-net-worth individuals and institutional clients.
- Facilitate liquidity and treasury management services for businesses.
- Engage in capital market services, including interest rate swaps and investment products.
How Does TSC Make Money?
- Generate revenue through interest income from loans and fees from banking services.
- Earn advisory fees from investment management services provided to clients.
- Utilize a diversified product offering to cater to both commercial and private banking clients.
- Leverage technology to enhance service delivery and operational efficiency.
What Industry Does TSC Operate In?
The regional banking industry is experiencing significant transformation, driven by technological advancements and changing consumer preferences. With a focus on personalized banking solutions, banks like TriState Capital are capitalizing on the growing demand from middle-market businesses and affluent individuals. The market for regional banks is projected to grow steadily, with increasing competition from fintech firms pushing traditional banks to innovate. TriState Capital's strategic positioning allows it to leverage its regional expertise while offering a comprehensive suite of services that differentiate it from larger national banks and emerging fintech competitors.
Who Are TSC's Key Customers?
- Middle-market businesses seeking tailored banking solutions.
- High-net-worth individuals requiring personalized financial services.
- Institutional clients, including corporations and endowments, needing investment management.
- Municipalities and foundations looking for cash management and treasury services.
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 Getz. TSC has traded publicly since 2013.
How TriState Capital Holdings, Inc. Is Valued
TriState Capital Holdings, Inc. carries a market capitalization of $116M, placing it in the micro-cap category. Relative to its peer group, TSC's quantitative score of 58/100 is below the peer average of 85/100.
ROE 10%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. TSC 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.
F-Score 5/9Financial Health
TriState Capital Holdings, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.16 places it in the distress zone, a signal of elevated financial risk.
TSC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance.
- Community sentiment has shifted positively, with many traders discussing upcoming growth opportunities.
- Strategic partnerships announced in the last month indicate potential for expansion and increased market share.
- The financial sector shows signs of recovery, which could benefit TriState Capital's operations.
Bear Case
- Concerns about rising interest rates have led to skepticism about the banking sector's profitability.
- Social sentiment has seen some bearish discussions, particularly regarding potential regulatory challenges.
- Recent earnings reports did not meet market expectations, leading to doubts about management's strategy.
- Increased competition in the financial services industry raises concerns about TriState's ability to maintain its market position.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
TSC Latest News
No recent news available for TSC.
TSC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TSC.
Price Targets
Wall Street price target analysis for TSC.
TSC MoonshotScore
What does this score mean?
The MoonshotScore rates TSC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: James Getz
CEO
James Getz has extensive experience in the financial services industry, having held various leadership roles prior to becoming CEO of TriState Capital Holdings, Inc. He has a strong background in banking and investment management, with a focus on delivering value to clients and stakeholders. Getz holds a degree in finance and has been instrumental in shaping the strategic direction of the company since its inception.
Track Record: Under James Getz's leadership, TriState Capital has achieved significant growth in profitability and market presence. His strategic initiatives have focused on expanding the company's product offerings and enhancing operational efficiencies.
TSC Financial Services Stock FAQ
What does the AI Score mean for TSC?
TSC holds an AI Score of 58/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. TriState Capital Holdings, Inc. is a bank holding company based in Pittsburgh, providing commercial and private banking services to middle-market businesses and high-net-worth individuals. …
What does TriState Capital Holdings, Inc. do?
TriState Capital Holdings, Inc. operates as a bank holding company that provides a range of commercial and private banking services. It serves middle-market businesses and high-net-worth individuals through its banking and investment management segments, offering products such as loans, deposit accounts, and investment advisory services.
What do analysts say about TSC stock?
Analysts generally view TSC stock as reasonably valued, with a P/E ratio of 11.3 reflecting its profitability and growth potential. The company's strong profit margin of 32.8% is a positive indicator, although analysts caution about potential risks related to economic fluctuations and competition.
What are the main risks for TSC?
Key risks for TriState Capital Holdings, Inc. include exposure to economic downturns that could affect loan performance, intense competition from both traditional banks and fintech companies, and regulatory changes that may increase compliance costs. Additionally, market volatility poses a threat to the performance of its investment management services.
What are the key factors to evaluate for TSC?
TriState Capital Holdings, Inc. (TSC) holds an AI score of 58/100 (moderate). P/E: 11.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does TSC data refresh on this page?
TSC's price was last updated on Jul 23, 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 TSC's recent stock price performance?
TriState Capital Holdings, Inc. (TSC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: High profit margin of 32.8%, indicating strong operational efficiency. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TSC overvalued or undervalued right now?
TriState Capital Holdings, Inc. (TSC) trades at 11.3x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research TSC before investing?
Before investing in TriState Capital Holdings, Inc. (TSC), 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.
- Data is based on the latest available financial reports and market analysis.