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THIRD COAST BANCSHARES INC (TCBX) Stock Fundamental Analysis

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

38.5  +1.73 (+4.7%)

After market: 38.55 +0.05 (+0.13%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TCBX. TCBX was compared to 393 industry peers in the Banks industry. While TCBX is still in line with the averages on profitability rating, there are concerns on its financial health. TCBX is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

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.
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 0 10M 20M 30M 40M

1.2 Ratios

TCBX's Return On Assets of 0.94% is fine compared to the rest of the industry. TCBX outperforms 60.05% of its industry peers.
The Return On Equity of TCBX (9.62%) is better than 63.61% of its industry peers.
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

TCBX's Profit Margin of 26.09% is fine compared to the rest of the industry. TCBX outperforms 65.65% of its industry peers.
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.
TCBX has more shares outstanding than it did 1 year 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 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

TCBX has a debt to FCF ratio of 3.29. This is a good value and a sign of high solvency as TCBX would need 3.29 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.29, TCBX is not doing good in the industry: 62.85% of the companies in the same industry are doing better.
TCBX has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
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 61.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.29
Altman-Z N/A
ROIC/WACCN/A
WACC27.55%
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 53.52% over the past year.
The Earnings Per Share has been growing by 43.37% on average over the past years. This is a very strong growth
Looking at the last year, TCBX shows a quite strong growth in Revenue. The Revenue has grown by 17.85% in the last year.
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)53.52%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%52.38%
Revenue 1Y (TTM)17.85%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%24.62%

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 9.68% yearly.
TCBX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.92% yearly.
EPS Next Y11.82%
EPS Next 2Y9.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.77%
Revenue Next 2Y12.92%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.77, the valuation of TCBX can be described as reasonable.
TCBX's Price/Earnings ratio is in line with the industry average.
TCBX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.73.
A Price/Forward Earnings ratio of 11.55 indicates a reasonable valuation of TCBX.
Based on the Price/Forward Earnings ratio, TCBX is valued a bit more expensive than 60.31% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TCBX to the average of the S&P500 Index (34.61), we can say TCBX is valued rather cheaply.
Industry RankSector Rank
PE 11.77
Fwd PE 11.55
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 15.72
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)1
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 (8/12/2025, 5:15:58 PM)

After market: 38.55 +0.05 (+0.13%)

38.5

+1.73 (+4.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners58.57%
Inst Owner Change-4.74%
Ins Owners9.18%
Ins Owner Change5.3%
Market Cap533.23M
Analysts78
Price Target43.52 (13.04%)
Short Float %2.86%
Short Ratio6.05
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)20.75%
PT rev (3m)13.27%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)-2.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)5.29%
Revenue NY rev (3m)5.14%
Valuation
Industry RankSector Rank
PE 11.77
Fwd PE 11.55
P/S 3.01
P/FCF 15.72
P/OCF 14.74
P/B 1.11
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)3.27
EY8.49%
EPS(NY)3.33
Fwd EY8.66%
FCF(TTM)2.45
FCFY6.36%
OCF(TTM)2.61
OCFY6.79%
SpS12.77
BVpS34.64
TBVpS33.28
PEG (NY)1
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
WACC27.55%
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)53.52%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%52.38%
EPS Next Y11.82%
EPS Next 2Y9.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.85%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%24.62%
Revenue Next Year19.77%
Revenue Next 2Y12.92%
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