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THIRD COAST BANCSHARES INC (TCBX) Stock Fundamental Analysis

NASDAQ:TCBX - Nasdaq - US88422P1093 - Common Stock - Currency: USD

31.02  +0.65 (+2.14%)

After market: 31.02 0 (0%)

Fundamental Rating

4

TCBX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 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 growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years TCBX has been profitable.
TCBX had a positive operating cash flow in 4 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 0 10M 20M 30M 40M

1.2 Ratios

The Return On Assets of TCBX (0.94%) is better than 60.35% of its industry peers.
With a decent Return On Equity value of 9.62%, TCBX is doing good in the industry, outperforming 63.13% of the companies in the same industry.
Industry RankSector Rank
ROA 0.94%
ROE 9.62%
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
TCBX Yearly ROA, ROE, ROICTCBX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 26.09%, TCBX is in the better half of the industry, outperforming 65.40% of the companies in the same industry.
In the last couple of years the Profit Margin of TCBX has grown nicely.
TCBX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.09%
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
TCBX Yearly Profit, Operating, Gross MarginsTCBX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

TCBX does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TCBX has more shares outstanding
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 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 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of TCBX is 3.29, which is a good value as it means it would take TCBX, 3.29 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.29, TCBX is doing worse than 65.40% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that TCBX is not too dependend on debt financing.
TCBX's Debt to Equity ratio of 0.23 is on the low side compared to the rest of the industry. TCBX is outperformed by 62.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.29
Altman-Z N/A
ROIC/WACCN/A
WACC31.3%
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 0 100M 200M 300M 400M

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 5M 10M 15M 20M 25M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 44.83% over the past year.
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 15.27%.
Measured over the past years, TCBX shows a very strong growth in Revenue. The Revenue has been growing by 21.52% on average per year.
EPS 1Y (TTM)44.83%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%27.87%
Revenue 1Y (TTM)15.27%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%13.56%

3.2 Future

The Earnings Per Share is expected to grow by 9.68% 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 10.04% on average per year.
EPS Next Y13.81%
EPS Next 2Y9.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.75%
Revenue Next 2Y10.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
TCBX Yearly Revenue VS EstimatesTCBX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
TCBX Yearly EPS VS EstimatesTCBX Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.55 indicates a reasonable valuation of TCBX.
TCBX's Price/Earnings ratio is a bit cheaper when compared to the industry. TCBX is cheaper than 68.69% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.52, TCBX is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.31, the valuation of TCBX can be described as very reasonable.
TCBX's Price/Forward Earnings is on the same level as the industry average.
TCBX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.25, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.55
Fwd PE 9.31
TCBX Price Earnings VS Forward Price EarningsTCBX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TCBX is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.64
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

TCBX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.76
PEG (5Y)N/A
EPS Next 2Y9.68%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for TCBX!.
Industry RankSector Rank
Dividend Yield N/A

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THIRD COAST BANCSHARES INC

NASDAQ:TCBX (6/6/2025, 8:00:01 PM)

After market: 31.02 0 (0%)

31.02

+0.65 (+2.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners53.14%
Inst Owner Change10.07%
Ins Owners7.89%
Ins Owner Change5.78%
Market Cap429.01M
Analysts78
Price Target36.04 (16.18%)
Short Float %2.77%
Short Ratio4.96
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP10.29%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.58%
Min EPS beat(2)8.93%
Max EPS beat(2)14.23%
EPS beat(4)4
Avg EPS beat(4)16.63%
Min EPS beat(4)8.93%
Max EPS beat(4)34.35%
EPS beat(8)7
Avg EPS beat(8)8.9%
EPS beat(12)10
Avg EPS beat(12)8.2%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.47%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)3.41%
Revenue beat(4)2
Avg Revenue beat(4)0.34%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)3.41%
Revenue beat(8)4
Avg Revenue beat(8)0.19%
Revenue beat(12)5
Avg Revenue beat(12)-0.17%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-6.19%
PT rev (3m)-7.66%
EPS NQ rev (1m)-1.85%
EPS NQ rev (3m)-0.93%
EPS NY rev (1m)-0.17%
EPS NY rev (3m)-0.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.23%
Valuation
Industry RankSector Rank
PE 10.55
Fwd PE 9.31
P/S 2.43
P/FCF 12.64
P/OCF 11.86
P/B 0.89
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)2.94
EY9.48%
EPS(NY)3.33
Fwd EY10.74%
FCF(TTM)2.45
FCFY7.91%
OCF(TTM)2.62
OCFY8.43%
SpS12.79
BVpS34.69
TBVpS33.33
PEG (NY)0.76
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.09%
GM N/A
FCFM 19.18%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.29
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 73.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC31.3%
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)44.83%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%27.87%
EPS Next Y13.81%
EPS Next 2Y9.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.27%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%13.56%
Revenue Next Year13.75%
Revenue Next 2Y10.05%
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 1Y85.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y25.25%
OCF growth 3Y97.23%
OCF growth 5YN/A