THIRD COAST BANCSHARES INC (TCBX) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:TCBX - US88422P1093 - Common Stock
38.14 USD
-0.67 (-1.73%)
TCBX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. TCBX has a medium profitability rating, but doesn't score so well on its financial health evaluation. TCBX is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
TCBX had positive earnings in the past year.
TCBX had a positive operating cash flow in the past year.
In the past 5 years TCBX has always been profitable.
Of the past 5 years TCBX 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.05%, TCBX is doing good in the industry, outperforming 65.89% of the companies in the same industry.
TCBX has a Return On Equity of 10.50%. This is in the better half of the industry: TCBX outperforms 68.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 10.5% | ||
| ROIC | N/A |
ROA(3y)0.66%
ROA(5y)0.62%
ROE(3y)6.93%
ROE(5y)6.91%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 27.84%, TCBX is in the better half of the industry, outperforming 69.25% of the companies in the same industry.
In the last couple of years the Profit Margin of TCBX has grown nicely.
The Operating Margin and Gross Margin are not available for TCBX so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y28.02%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TCBX does not have a ROIC to compare to the WACC, probably because it is not profitable.
TCBX has more shares outstanding than it did 1 year ago.
TCBX has a better debt/assets ratio than last year.
2.2 Solvency
TCBX has a debt to FCF ratio of 2.70. This is a good value and a sign of high solvency as TCBX would need 2.70 years to pay back of all of its debts.
TCBX has a Debt to FCF ratio (2.70) which is comparable to the rest of the industry.
TCBX has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
TCBX has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: TCBX underperforms 60.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC27.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TCBX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.61%, which is quite impressive.
Measured over the past years, TCBX shows a very strong growth in Earnings Per Share. The EPS has been growing by 43.37% on average per year.
TCBX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.01%.
TCBX shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.52% yearly.
EPS 1Y (TTM)39.61%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%39.19%
Revenue 1Y (TTM)16.01%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%20.56%
3.2 Future
Based on estimates for the next years, TCBX will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.73% on average per year.
TCBX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.82% yearly.
EPS Next Y35.52%
EPS Next 2Y19.07%
EPS Next 3Y15.73%
EPS Next 5YN/A
Revenue Next Year20.75%
Revenue Next 2Y19.14%
Revenue Next 3Y17.82%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.71 indicates a reasonable valuation of TCBX.
Based on the Price/Earnings ratio, TCBX is valued a bit cheaper than the industry average as 71.58% of the companies are valued more expensively.
TCBX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
Based on the Price/Forward Earnings ratio of 9.71, the valuation of TCBX can be described as reasonable.
TCBX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TCBX is cheaper than 63.05% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.70. TCBX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
TCBX's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TCBX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TCBX's earnings are expected to grow with 15.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y19.07%
EPS Next 3Y15.73%
5. Dividend
5.1 Amount
TCBX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:TCBX (1/9/2026, 1:51:20 PM)
38.14
-0.67 (-1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners59.5%
Inst Owner Change0%
Ins Owners9.13%
Ins Owner Change-0.92%
Market Cap529.76M
Revenue(TTM)171.38M
Net Income(TTM)52.09M
Analysts78
Price Target43.86 (15%)
Short Float %2.44%
Short Ratio4.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP9.12%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.46%
Min EPS beat(2)8.93%
Max EPS beat(2)25.99%
EPS beat(4)4
Avg EPS beat(4)20.88%
Min EPS beat(4)8.93%
Max EPS beat(4)34.35%
EPS beat(8)7
Avg EPS beat(8)11.73%
EPS beat(12)11
Avg EPS beat(12)14.36%
EPS beat(16)11
Avg EPS beat(16)0.1%
Revenue beat(2)1
Avg Revenue beat(2)2.42%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)7.33%
Revenue beat(4)3
Avg Revenue beat(4)2.3%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)7.33%
Revenue beat(8)5
Avg Revenue beat(8)1.13%
Revenue beat(12)6
Avg Revenue beat(12)0.97%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)7.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 9.71 | ||
| P/S | 2.83 | ||
| P/FCF | 12.82 | ||
| P/OCF | 12.39 | ||
| P/B | 1.07 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.56
EY9.33%
EPS(NY)3.93
Fwd EY10.3%
FCF(TTM)2.97
FCFY7.8%
OCF(TTM)3.08
OCFY8.07%
SpS13.47
BVpS35.72
TBVpS34.37
PEG (NY)0.3
PEG (5Y)N/A
Graham Number53.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 10.5% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.84% | ||
| GM | N/A | ||
| FCFM | 22.08% |
ROA(3y)0.66%
ROA(5y)0.62%
ROE(3y)6.93%
ROE(5y)6.91%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y28.02%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.7 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 31.19% | ||
| Cap/Sales | 0.77% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 79.32% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC27.31%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.4%
Cap/Sales(5y)4.2%
Profit Quality(3y)85.96%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)39.61%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%39.19%
EPS Next Y35.52%
EPS Next 2Y19.07%
EPS Next 3Y15.73%
EPS Next 5YN/A
Revenue 1Y (TTM)16.01%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%20.56%
Revenue Next Year20.75%
Revenue Next 2Y19.14%
Revenue Next 3Y17.82%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y57.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y21.37%
OCF growth 3Y97.23%
OCF growth 5YN/A
THIRD COAST BANCSHARES INC / TCBX FAQ
Can you provide the ChartMill fundamental rating for THIRD COAST BANCSHARES INC?
ChartMill assigns a fundamental rating of 4 / 10 to TCBX.
Can you provide the valuation status for THIRD COAST BANCSHARES INC?
ChartMill assigns a valuation rating of 6 / 10 to THIRD COAST BANCSHARES INC (TCBX). This can be considered as Fairly Valued.
Can you provide the profitability details for THIRD COAST BANCSHARES INC?
THIRD COAST BANCSHARES INC (TCBX) has a profitability rating of 4 / 10.
What is the financial health of THIRD COAST BANCSHARES INC (TCBX) stock?
The financial health rating of THIRD COAST BANCSHARES INC (TCBX) is 2 / 10.
Is the dividend of THIRD COAST BANCSHARES INC sustainable?
The dividend rating of THIRD COAST BANCSHARES INC (TCBX) is 0 / 10 and the dividend payout ratio is 9.12%.