TriState Capital Holdings, Inc. (TSCBP)
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. (TSCBP) trades at $24.54 with AI Score 58/100 (Grade B). TriState Capital Holdings, Inc. operates as a bank holding company, providing commercial and private banking services. Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for TSCBP: TSCBP 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 TSCBP against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TSCBP: 4/7 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →TriState Capital Holdings, Inc. (TSCBP) Financial Services Profile
TriState Capital Holdings, Inc., through its subsidiary TriState Capital Bank, delivers commercial and private banking services, focusing on middle-market businesses and high-net-worth clients. Operating in the regional banking sector, the company offers deposit products, loans, and investment management services across multiple states, emphasizing personalized client relationships.
What Is the Investment Thesis for TSCBP?
TriState Capital Holdings presents an interesting case within the regional banking sector, supported by a P/E ratio of 11.26 and a strong profit margin of 32.8%. The company's focus on middle-market businesses and high-net-worth individuals provides a niche market. Growth catalysts include expanding its investment management services and increasing its loan portfolio. A potential risk is the company's high beta of 1.95, indicating higher volatility compared to the market. The absence of a dividend yield may deter some investors, but the company's growth potential could offset this. The company's ability to maintain its high gross margin of 100% will be critical for future profitability. Maintaining strong asset quality and managing interest rate risk will be key to sustained performance.
Based on FMP financials and quantitative analysis
TSCBP Key Highlights
- Profit Margin of 32.8% indicates strong profitability compared to the industry average.
- Gross Margin of 100.0% reflects efficient cost management in service delivery.
- P/E Ratio of 11.26 suggests the company may be undervalued compared to its peers.
- Beta of 1.95 indicates higher volatility than the market, potentially offering higher returns but also greater risk.
- No Dividend Yield may deter income-focused investors, but allows for reinvestment in growth initiatives.
Who Are TSCBP's Competitors?
TSCBP 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% | $507.72M | 56 |
| CSTR CapStar Financial Holdings, Inc. | $20.11 | +0.05% | $418.56M | 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% | $495.83M | 50 |
| FRC First Republic Bank | $3.51 | +0.00% | $653.63M | 52 |
| GNTY Guaranty Bancshares, Inc. | $48.75 | -0.87% | $553.20M | 50 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TSCBP's Key Strengths?
- Strong profit margin of 32.8%.
- High gross margin of 100.0%.
- Focus on high-net-worth individuals and middle-market businesses.
- Comprehensive suite of banking and investment management services.
What Are TSCBP's Weaknesses?
- High beta of 1.95 indicates higher volatility.
- No dividend yield may deter some investors.
- Limited geographic presence compared to larger banks.
- Dependence on interest rate environment.
What Could Drive TSCBP Stock Higher?
- Expansion of digital banking platform to attract new customers and improve customer experience.
- Growth in assets under management (AUM) within the Investment Management segment.
- Increased commercial lending to middle-market businesses.
What Are the Key Risks for TSCBP?
- Rising interest rates could negatively impact loan demand and profitability.
- Economic downturn could lead to increased loan losses.
- Competition from larger banks and fintech companies could erode market share.
- Regulatory changes could increase compliance costs and reduce profitability.
What Are the Growth Opportunities for TSCBP?
- Expansion of Investment Management Services: TriState Capital can grow by expanding its investment management services to attract more ultra-high-net-worth and institutional clients. The market for wealth management is projected to grow significantly, offering substantial opportunities for the company. By developing new investment products and enhancing its advisory services, TriState Capital can increase its assets under management and generate higher fee income. This strategy aligns with the increasing demand for sophisticated investment solutions among affluent individuals and institutions, with a potential timeline of 3-5 years.
- Increased Commercial Lending: TriState Capital can increase its commercial lending activities to middle-market businesses. The demand for commercial loans is expected to rise as businesses invest in expansion and growth. By offering competitive loan products and personalized service, TriState Capital can attract more borrowers and grow its loan portfolio. This expansion can be achieved by targeting specific industries and geographic areas where the company has expertise, with a potential timeline of 2-4 years.
- Strategic Acquisitions: TriState Capital can pursue strategic acquisitions to expand its geographic footprint and service offerings. Acquiring smaller banks or wealth management firms can provide access to new markets and clients. This strategy can accelerate the company's growth and enhance its competitive position. Careful due diligence and integration are essential to ensure the success of acquisitions, with a potential timeline of 3-5 years.
- Enhanced Digital Banking Platform: TriState Capital can enhance its digital banking platform to improve customer experience and efficiency. Investing in technology can enable the company to offer more convenient and user-friendly services, such as online account opening, mobile banking, and digital payments. This can attract more customers and reduce operating costs. A robust digital platform is essential for competing in the modern banking landscape, with a potential timeline of 1-3 years.
- Cross-Selling Opportunities: TriState Capital can leverage its existing customer relationships to cross-sell its various products and services. By offering a comprehensive suite of banking and investment management solutions, the company can increase customer loyalty and generate more revenue per customer. This strategy can be implemented by training employees to identify customer needs and offer appropriate solutions, with an ongoing timeline.
What Opportunities Does TSCBP Have?
- Expansion of investment management services.
- Increased commercial lending activities.
- Strategic acquisitions to expand geographic footprint.
- Enhanced digital banking platform.
What Threats Does TSCBP Face?
- Increasing competition from larger banks and fintech companies.
- Rising interest rates could impact loan demand.
- Economic downturn could lead to loan losses.
- Regulatory changes could increase compliance costs.
What Are TSCBP's Competitive Advantages?
- Strong relationships with middle-market businesses and high-net-worth individuals.
- Comprehensive suite of banking and investment management services.
- Experienced management team with expertise in banking and wealth management.
- Strategic locations in key markets, including Pittsburgh, Cleveland, Philadelphia, Edison, and New York.
What Does TSCBP 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 provides 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 offers a variety of deposit products, including checking accounts, money market deposit accounts, and certificates of deposit. It also provides a range of loan products secured by various assets, such as cash, marketable securities, and real estate. The Investment Management segment delivers equity and fixed income advisory and sub-advisory services to mutual funds, series trust mutual funds, and separately managed accounts. These accounts primarily serve ultra-high-net-worth and institutional clients, including corporations, ERISA plans, Taft-Hartley funds, municipalities, endowments, and foundations. TriState Capital also offers liquidity and treasury management services, encompassing online balance reporting, bill payment, remote deposit, wire transfers, 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 TSCBP Offer?
- Provides commercial banking services to middle-market businesses.
- Offers private banking services to high-net-worth individuals.
- Manages investments for ultra-high-net-worth and institutional clients.
- Provides deposit products like checking and money market accounts.
- Offers various loan products secured by different asset types.
- Delivers liquidity and treasury management services.
- Provides capital market services, including interest rate swaps.
How Does TSCBP Make Money?
- Generates revenue from interest income on loans.
- Earns fees from investment management services.
- Collects fees from liquidity and treasury management services.
- Derives income from capital market services.
What Industry Does TSCBP Operate In?
TriState Capital Holdings operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The market is seeing a trend towards consolidation, with smaller banks merging to gain scale and efficiency. The regulatory environment is also becoming more complex, requiring banks to invest in compliance and risk management. TriState Capital's focus on high-net-worth individuals and middle-market businesses positions it to capitalize on the growing wealth management and commercial lending markets. Competitors like AMNB and CSTR are also vying for market share in this space.
Who Are TSCBP's Key Customers?
- Middle-market businesses seeking commercial banking services.
- High-net-worth individuals requiring private banking services.
- Ultra-high-net-worth individuals needing investment management.
- Corporations seeking investment management services.
- ERISA plans, Taft-Hartley funds, municipalities, endowments, and foundations.
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. TSCBP has traded publicly since 2019.
TSCBP Valuation & Market Position
Relative to its peer group, TSCBP's quantitative score of 58/100 is roughly in line with the peer average of 54/100.
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. TSCBP 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.
TSCBP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong profit margin of 32.8%.
- High gross margin of 100.0%.
- Focus on high-net-worth individuals and middle-market businesses.
- Comprehensive suite of banking and investment management services.
Bear Case
- High beta of 1.95 indicates higher volatility.
- No dividend yield may deter some investors.
- Limited geographic presence compared to larger banks.
- Dependence on interest rate environment.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
TSCBP Latest News
No recent news available for TSCBP.
TSCBP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TSCBP.
Price Targets
Wall Street price target analysis for TSCBP.
TSCBP MoonshotScore
What does this score mean?
The MoonshotScore rates TSCBP's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: James Francis Getz
CEO
James Francis Getz serves as the CEO of TriState Capital Holdings, Inc. His leadership is pivotal in guiding the company's strategic direction and overseeing its operations. Getz has extensive experience in the financial services industry, with a background in banking and investment management. His expertise includes developing and implementing growth strategies, managing risk, and building strong client relationships. He is responsible for managing 376 employees. His career reflects a commitment to delivering value to shareholders and clients.
Track Record: Under James Francis Getz's leadership, TriState Capital Holdings has focused on expanding its services to middle-market businesses and high-net-worth individuals. Key achievements include maintaining a strong profit margin and growing the company's assets under management. He has also overseen the expansion of the company's geographic presence through strategic locations. His focus on client relationships and service quality has contributed to the company's success.
Common Questions About TSCBP (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. It focuses on serving middle-market businesses and high-net-worth individuals, offering a range of deposit products, loans, and investment management services. The company operates through its Bank and Investment Management segments, delivering tailored financial solutions to its clients. TriState Capital differentiates itself through personalized service and a comprehensive suite of products.
What are the main risks for TSCBP?
TriState Capital Holdings faces several risks, including rising interest rates, which could negatively impact loan demand and profitability. An economic downturn could lead to increased loan losses, affecting the company's financial performance. Competition from larger banks and fintech companies could erode market share. Regulatory changes could increase compliance costs and reduce profitability. The company's high beta also indicates higher volatility compared to the market, posing a risk to investors.
How does TriState Capital Holdings, Inc. make money in financial services?
TriState Capital Holdings generates revenue through several key avenues within the financial services sector. A primary source is interest income earned from its loan portfolio, which includes commercial and real estate loans. Additionally, the company earns fees from its investment management services, providing advisory and sub-advisory services to various funds and accounts. Revenue is also derived from liquidity and treasury management services offered to businesses, as well as capital market services such as interest rate swaps. These diverse revenue streams contribute to the company's overall profitability.
How is TriState Capital Holdings, Inc. adapting to fintech disruption?
TriState Capital Holdings is adapting to the ongoing fintech disruption by investing in and enhancing its digital banking platform. This initiative aims to improve customer experience by offering convenient online and mobile banking services, including online account opening and digital payments. By embracing technology, TriState Capital seeks to attract new customers, reduce operating costs, and remain competitive in the evolving financial landscape. This digital transformation is crucial for maintaining market share and catering to the changing preferences of tech-savvy clients.
What are the key factors to evaluate for TSCBP?
TriState Capital Holdings, Inc. (TSCBP) holds an AI score of 58/100 (moderate). Not financial advice.
How frequently does TSCBP data refresh on this page?
TSCBP prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TSCBP's recent stock price performance?
TriState Capital Holdings, Inc. (TSCBP) 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 TSCBP overvalued or undervalued right now?
Valuing TriState Capital Holdings, Inc. (TSCBP) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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.
- AI analysis pending may provide further insights.
- Financial data based on available information as of 2026-03-18.