THIRD COAST BANCSHARES INC (TCBX) Fundamental Analysis & Valuation

NYSE:TCBX • US88422P1093

Current stock price

41.02 USD
-0.22 (-0.53%)
Last:

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

  • In the past year TCBX was profitable.
  • TCBX had a positive operating cash flow in the past year.
  • Each year in the past 5 years TCBX has been profitable.
  • TCBX had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 1.15%, TCBX is in the better half of the industry, outperforming 68.44% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.59%, TCBX is in the better half of the industry, outperforming 76.13% of the companies in the same industry.
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

  • TCBX has a Profit Margin of 29.46%. This is in the better half of the industry: TCBX outperforms 72.15% of its industry peers.
  • 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

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • TCBX has more shares outstanding than it did 1 year ago.
  • TCBX has more shares outstanding than it did 5 years ago.
  • TCBX has a better debt/assets ratio than last year.
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 has a Debt to FCF ratio of 2.47. This is comparable to the rest of the industry: TCBX outperforms 43.50% of its industry peers.
  • A Debt/Equity ratio of 0.22 indicates that TCBX is not too dependend on debt financing.
  • TCBX's Debt to Equity ratio of 0.22 is in line compared to the rest of the industry. TCBX outperforms 40.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.47
Altman-Z N/A
ROIC/WACCN/A
WACC23.4%
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

  • TCBX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.82%, which is quite impressive.
  • The Earnings Per Share has been growing by 13.01% on average over the past years. This is quite good.
  • Looking at the last year, TCBX shows a very strong growth in Revenue. The Revenue has grown by 21.88%.
  • Measured over the past years, TCBX shows a very strong growth in Revenue. The Revenue has been growing by 24.26% on average per year.
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

  • TCBX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.02% yearly.
  • The Revenue is expected to grow by 17.79% on average over the next years. This is quite good.
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

  • The Price/Earnings ratio is 10.82, which indicates a very decent valuation of TCBX.
  • 74.01% of the companies in the same industry are more expensive than TCBX, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.38. TCBX is valued rather cheaply when compared to this.
  • TCBX is valuated reasonably with a Price/Forward Earnings ratio of 10.41.
  • The rest of the industry has a similar Price/Forward Earnings ratio as TCBX.
  • The average S&P500 Price/Forward Earnings ratio is at 38.20. TCBX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.82
Fwd PE 10.41
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.05
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

  • TCBX does not give a dividend.
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, 2:08:19 PM)

41.02

-0.22 (-0.53%)

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 Cap676.42M
Revenue(TTM)208.87M
Net Income(TTM)61.54M
Analysts78
Price Target45.22 (10.24%)
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 10.82
Fwd PE 10.41
P/S 3.24
P/FCF 14.05
P/OCF 13.31
P/B 1.27
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)3.79
EY9.24%
EPS(NY)3.94
Fwd EY9.61%
FCF(TTM)2.92
FCFY7.12%
OCF(TTM)3.08
OCFY7.52%
SpS12.67
BVpS32.2
TBVpS31.07
PEG (NY)2.73
PEG (5Y)0.83
Graham Number52.4033 (27.75%)
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
WACC23.4%
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.