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THIRD COAST BANCSHARES INC (TCBX) Stock Fundamental Analysis

NASDAQ:TCBX - US88422P1093 - Common Stock

39.4 USD
-0.39 (-0.98%)
Last: 9/3/2025, 8:00:01 PM
39.4 USD
0 (0%)
After Hours: 9/3/2025, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, TCBX scores 4 out of 10 in our fundamental rating. TCBX was compared to 395 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.
In the past year TCBX had a positive cash flow from operations.
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

TCBX's Return On Assets of 1.05% is fine compared to the rest of the industry. TCBX outperforms 70.89% of its industry peers.
The Return On Equity of TCBX (10.50%) is better than 72.91% of its industry peers.
Industry RankSector Rank
ROA 1.05%
ROE 10.5%
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

The Profit Margin of TCBX (27.84%) is better than 73.16% 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) 27.84%
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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2

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.
The debt/assets ratio for TCBX has been reduced compared to a year ago.
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 2.70. This is a good value and a sign of high solvency as TCBX would need 2.70 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.70, TCBX perfoms like the industry average, outperforming 40.76% of the companies in the same industry.
TCBX has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.23, TCBX is doing worse than 61.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.7
Altman-Z N/A
ROIC/WACCN/A
WACC27.15%
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

TCBX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.52%, which is quite impressive.
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 17.85%.
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

The Earnings Per Share is expected to grow by 15.22% on average over the next years. This is quite good.
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 Y26.45%
EPS Next 2Y15.22%
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

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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

Based on the Price/Earnings ratio of 12.05, the valuation of TCBX can be described as correct.
TCBX's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.84. TCBX is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.71 indicates a reasonable valuation of TCBX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TCBX is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.48, TCBX is valued rather cheaply.
Industry RankSector Rank
PE 12.05
Fwd PE 10.71
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

The rest of the industry has a similar Price/Free Cash Flow ratio as TCBX.
Industry RankSector Rank
P/FCF 13.22
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.
A more expensive valuation may be justified as TCBX's earnings are expected to grow with 15.22% in the coming years.
PEG (NY)0.46
PEG (5Y)N/A
EPS Next 2Y15.22%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

TCBX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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THIRD COAST BANCSHARES INC

NASDAQ:TCBX (9/3/2025, 8:00:01 PM)

After market: 39.4 0 (0%)

39.4

-0.39 (-0.98%)

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-5.28%
Ins Owners9.18%
Ins Owner Change5.58%
Market Cap546.08M
Analysts78
Price Target43.52 (10.46%)
Short Float %2.01%
Short Ratio3.58
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP9.12%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.46%
Min EPS beat(2)8.93%
Max EPS beat(2)25.99%
EPS beat(4)4
Avg EPS beat(4)20.88%
Min EPS beat(4)8.93%
Max EPS beat(4)34.35%
EPS beat(8)7
Avg EPS beat(8)11.73%
EPS beat(12)11
Avg EPS beat(12)14.36%
EPS beat(16)11
Avg EPS beat(16)0.1%
Revenue beat(2)1
Avg Revenue beat(2)2.42%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)7.33%
Revenue beat(4)3
Avg Revenue beat(4)2.3%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)7.33%
Revenue beat(8)5
Avg Revenue beat(8)1.13%
Revenue beat(12)6
Avg Revenue beat(12)0.97%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)19.06%
PT rev (3m)20.75%
EPS NQ rev (1m)3.88%
EPS NQ rev (3m)7.23%
EPS NY rev (1m)13.08%
EPS NY rev (3m)11.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.29%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 10.71
P/S 2.92
P/FCF 13.22
P/OCF 12.77
P/B 1.1
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)3.27
EY8.3%
EPS(NY)3.68
Fwd EY9.33%
FCF(TTM)2.98
FCFY7.57%
OCF(TTM)3.09
OCFY7.83%
SpS13.5
BVpS35.79
TBVpS34.44
PEG (NY)0.46
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 10.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.84%
GM N/A
FCFM 22.08%
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 2.7
Debt/EBITDA N/A
Cap/Depr 31.19%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 79.32%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC27.15%
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 Y26.45%
EPS Next 2Y15.22%
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 1Y57.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y21.37%
OCF growth 3Y97.23%
OCF growth 5YN/A