THIRD COAST BANCSHARES INC (TCBX) Fundamental Analysis & Valuation

NYSE:TCBX • US88422P1093

38.59 USD
-0.59 (-1.51%)
At close: Mar 6, 2026
38.59 USD
0 (0%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TCBX. TCBX was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of TCBX while its profitability can be described as average. TCBX is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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.
  • TCBX had positive earnings in each of the past 5 years.
  • Of the past 5 years TCBX 4 years 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

  • TCBX has a Return On Assets of 1.13%. This is in the better half of the industry: TCBX outperforms 68.77% of its industry peers.
  • TCBX has a Return On Equity of 11.17%. This is in the better half of the industry: TCBX outperforms 73.49% of its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 11.17%
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 28.87%. This is in the better half of the industry: TCBX outperforms 71.65% of its industry peers.
  • TCBX's Profit Margin has improved in the last couple of years.
  • 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) 28.87%
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

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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.
  • The number of shares outstanding for TCBX has been increased compared to 1 year ago.
  • Compared to 5 years ago, TCBX has more shares outstanding
  • 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 2.90. This is a good value and a sign of high solvency as TCBX would need 2.90 years to pay back of all of its debts.
  • The Debt to FCF ratio of TCBX (2.90) is worse than 60.37% 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 2.9
Altman-Z N/A
ROIC/WACCN/A
WACC24.89%
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.
  • The Revenue has grown by 21.88% in the past year. This is a very strong growth!
  • 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

  • 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.
  • TCBX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.79% yearly.
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

  • TCBX is valuated reasonably with a Price/Earnings ratio of 10.18.
  • Based on the Price/Earnings ratio, TCBX is valued a bit cheaper than the industry average as 74.54% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, TCBX is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.79, which indicates a very decent valuation of TCBX.
  • TCBX's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 24.60. TCBX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.18
Fwd PE 9.79
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 indicates a slightly more expensive valuation: TCBX is more expensive than 67.72% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.19
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 TCBX does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.57
PEG (5Y)0.78
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%

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Find the best dividend stocksShow peers with best dividend

TCBX Fundamentals: All Metrics, Ratios and Statistics

THIRD COAST BANCSHARES INC

NYSE:TCBX (3/6/2026, 8:04:00 PM)

After market: 38.59 0 (0%)

38.59

-0.59 (-1.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners52.68%
Inst Owner Change4.31%
Ins Owners7.96%
Ins Owner Change-0.28%
Market Cap636.35M
Revenue(TTM)208.87M
Net Income(TTM)57.38M
Analysts78
Price Target45.22 (17.18%)
Short Float %2.2%
Short Ratio4.43
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP8.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.75%
Min EPS beat(2)19.5%
Max EPS beat(2)25.99%
EPS beat(4)4
Avg EPS beat(4)17.17%
Min EPS beat(4)8.93%
Max EPS beat(4)25.99%
EPS beat(8)8
Avg EPS beat(8)18.66%
EPS beat(12)11
Avg EPS beat(12)12.28%
EPS beat(16)12
Avg EPS beat(16)2.52%
Revenue beat(2)1
Avg Revenue beat(2)3.4%
Min Revenue beat(2)-0.52%
Max Revenue beat(2)7.33%
Revenue beat(4)2
Avg Revenue beat(4)1.93%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)7.33%
Revenue beat(8)5
Avg Revenue beat(8)1.32%
Revenue beat(12)5
Avg Revenue beat(12)0.46%
Revenue beat(16)7
Avg Revenue beat(16)0.12%
PT rev (1m)0%
PT rev (3m)3.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.36%
EPS NY rev (1m)0%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.76%
Valuation
Industry RankSector Rank
PE 10.18
Fwd PE 9.79
P/S 3.2
P/FCF 16.19
P/OCF 15.34
P/B 1.24
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)3.79
EY9.82%
EPS(NY)3.94
Fwd EY10.21%
FCF(TTM)2.38
FCFY6.18%
OCF(TTM)2.52
OCFY6.52%
SpS12.05
BVpS31.16
TBVpS30.02
PEG (NY)2.57
PEG (5Y)0.78
Graham Number51.55
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 11.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.87%
GM N/A
FCFM 19.78%
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 2.9
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 68.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC24.89%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
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 1Y-28.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-26.33%
OCF growth 3YN/A
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 4 / 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 8.28%.