THIRD COAST BANCSHARES INC (TCBX) Fundamental Analysis & Valuation

NYSE:TCBX • US88422P1093

Current stock price

41.07 USD
-0.17 (-0.41%)
At close:
41.07 USD
0 (0%)
After Hours:

This TCBX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TCBX Profitability Analysis

1.1 Basic Checks

  • TCBX had positive earnings in the past year.
  • TCBX had a positive operating cash flow in the past year.
  • Each year in the past 5 years TCBX has been profitable.
  • Each year in the past 5 years TCBX had a positive operating cash flow.
TCBX Yearly Net Income VS EBIT VS OCF VS FCFTCBX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 2025 0 20M 40M 60M

1.2 Ratios

  • With a decent Return On Assets value of 1.15%, TCBX is doing good in the industry, outperforming 68.44% of the companies in the same industry.
  • TCBX has a Return On Equity of 11.59%. This is in the better half of the industry: TCBX outperforms 76.13% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 11.59%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.72%
ROE(3y)9.29%
ROE(5y)7.24%
ROIC(3y)N/A
ROIC(5y)N/A
TCBX Yearly ROA, ROE, ROICTCBX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 29.46%, TCBX is doing good in the industry, outperforming 72.15% 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 RankSector Rank
OM N/A
PM (TTM) 29.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y28.44%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
TCBX Yearly Profit, Operating, Gross MarginsTCBX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

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2

2. TCBX Health Analysis

2.1 Basic Checks

  • TCBX does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for TCBX has been increased compared to 1 year ago.
  • The number of shares outstanding for TCBX has been increased compared to 5 years ago.
  • Compared to 1 year ago, TCBX has an improved debt to assets ratio.
TCBX Yearly Shares OutstandingTCBX Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
TCBX Yearly Total Debt VS Total AssetsTCBX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • TCBX has a debt to FCF ratio of 2.47. This is a good value and a sign of high solvency as TCBX would need 2.47 years to pay back of all of its debts.
  • TCBX's Debt to FCF ratio of 2.47 is in line compared to the rest of the industry. TCBX outperforms 43.50% of its industry peers.
  • TCBX has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of TCBX (0.22) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.47
Altman-Z N/A
ROIC/WACCN/A
WACC23.48%
TCBX Yearly LT Debt VS Equity VS FCFTCBX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TCBX Yearly Current Assets VS Current LiabilitesTCBX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. TCBX Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 36.82% over the past year.
  • Measured over the past years, TCBX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.01% on average per year.
  • TCBX shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.88%.
  • TCBX shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.26% yearly.
EPS 1Y (TTM)36.82%
EPS 3Y45.12%
EPS 5Y13.01%
EPS Q2Q%29.11%
Revenue 1Y (TTM)21.88%
Revenue growth 3Y19.08%
Revenue growth 5Y24.26%
Sales Q2Q%21.91%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.02% on average over the next years. This is quite good.
  • Based on estimates for the next years, TCBX will show a quite strong growth in Revenue. The Revenue will grow by 17.79% on average per year.
EPS Next Y3.96%
EPS Next 2Y10.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.98%
Revenue Next 2Y17.79%
Revenue Next 3YN/A
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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
TCBX Yearly Revenue VS EstimatesTCBX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
TCBX Yearly EPS VS EstimatesTCBX Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

4

4. TCBX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.84 indicates a reasonable valuation of TCBX.
  • 72.68% of the companies in the same industry are more expensive than TCBX, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.53, TCBX is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.42, the valuation of TCBX can be described as reasonable.
  • TCBX's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 37.95. TCBX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.84
Fwd PE 10.42
TCBX Price Earnings VS Forward Price EarningsTCBX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • TCBX's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.06
EV/EBITDA N/A
TCBX Per share dataTCBX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.73
PEG (5Y)0.83
EPS Next 2Y10.02%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TCBX Dividend Analysis

5.1 Amount

  • No dividends for TCBX!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TCBX Fundamentals: All Metrics, Ratios and Statistics

THIRD COAST BANCSHARES INC

NYSE:TCBX (4/16/2026, 8:04:00 PM)

After market: 41.07 0 (0%)

41.07

-0.17 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-22
Inst Owners52.52%
Inst Owner Change0.29%
Ins Owners8.28%
Ins Owner Change6.91%
Market Cap677.24M
Revenue(TTM)208.87M
Net Income(TTM)61.54M
Analysts78
Price Target45.22 (10.1%)
Short Float %2.41%
Short Ratio4.77
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP7.72%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.53%
Min EPS beat(2)11.56%
Max EPS beat(2)19.5%
EPS beat(4)4
Avg EPS beat(4)16.5%
Min EPS beat(4)8.93%
Max EPS beat(4)25.99%
EPS beat(8)8
Avg EPS beat(8)18.2%
EPS beat(12)11
Avg EPS beat(12)13.12%
EPS beat(16)13
Avg EPS beat(16)8.87%
Revenue beat(2)1
Avg Revenue beat(2)1.88%
Min Revenue beat(2)-0.52%
Max Revenue beat(2)4.29%
Revenue beat(4)2
Avg Revenue beat(4)2.15%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)7.33%
Revenue beat(8)5
Avg Revenue beat(8)1.66%
Revenue beat(12)6
Avg Revenue beat(12)1.05%
Revenue beat(16)7
Avg Revenue beat(16)0.29%
PT rev (1m)0%
PT rev (3m)3.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)0%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.76%
Valuation
Industry RankSector Rank
PE 10.84
Fwd PE 10.42
P/S 3.24
P/FCF 14.06
P/OCF 13.32
P/B 1.28
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)3.79
EY9.23%
EPS(NY)3.94
Fwd EY9.59%
FCF(TTM)2.92
FCFY7.11%
OCF(TTM)3.08
OCFY7.51%
SpS12.67
BVpS32.2
TBVpS31.07
PEG (NY)2.73
PEG (5Y)0.83
Graham Number52.4033 (27.6%)
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 11.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.46%
GM N/A
FCFM 23.06%
ROA(3y)0.89%
ROA(5y)0.72%
ROE(3y)9.29%
ROE(5y)7.24%
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 3Y28.44%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.47
Debt/EBITDA N/A
Cap/Depr 56.48%
Cap/Sales 1.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 78.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC23.48%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.55%
Cap/Sales(5y)4.08%
Profit Quality(3y)93.44%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36.82%
EPS 3Y45.12%
EPS 5Y13.01%
EPS Q2Q%29.11%
EPS Next Y3.96%
EPS Next 2Y10.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)21.88%
Revenue growth 3Y19.08%
Revenue growth 5Y24.26%
Sales Q2Q%21.91%
Revenue Next Year25.98%
Revenue Next 2Y17.79%
Revenue Next 3YN/A
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 1Y44.31%
FCF growth 3Y71.18%
FCF growth 5YN/A
OCF growth 1Y44.69%
OCF growth 3Y32.63%
OCF growth 5YN/A

THIRD COAST BANCSHARES INC / TCBX Fundamental Analysis 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 4 / 10 to THIRD COAST BANCSHARES INC (TCBX). This can be considered as Fairly Valued.


How profitable is THIRD COAST BANCSHARES INC (TCBX) stock?

THIRD COAST BANCSHARES INC (TCBX) has a profitability rating of 4 / 10.


How financially healthy is THIRD COAST BANCSHARES INC?

The financial health rating of THIRD COAST BANCSHARES INC (TCBX) is 2 / 10.


What is the earnings growth outlook for THIRD COAST BANCSHARES INC?

The Earnings per Share (EPS) of THIRD COAST BANCSHARES INC (TCBX) is expected to grow by 3.96% in the next year.