THIRD COAST BANCSHARES INC (TCBX) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:TCBX • US88422P1093

42.13 USD
+1.57 (+3.87%)
At close: Feb 2, 2026
42.13 USD
0 (0%)
After Hours: 2/2/2026, 8:04:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to TCBX. TCBX was compared to 383 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 not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year TCBX was profitable.
  • In the past year TCBX had a positive cash flow from operations.
  • TCBX had positive earnings in 4 of the past 5 years.
  • 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 (1.05%) is better than 65.54% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.50%, TCBX is in the better half of the industry, outperforming 67.89% of the companies in the same industry.
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

  • TCBX's Profit Margin of 27.84% is fine compared to the rest of the industry. TCBX outperforms 69.45% of its industry peers.
  • TCBX's Profit Margin has improved in the last couple of years.
  • 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) 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
  • TCBX's Debt to FCF ratio of 2.70 is in line compared to the rest of the industry. TCBX outperforms 40.47% of its industry peers.
  • TCBX has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • TCBX has a worse Debt to Equity ratio (0.23) than 60.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.7
Altman-Z N/A
ROIC/WACCN/A
WACC26.16%
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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4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 36.82% over the past year.
  • The Earnings Per Share has been growing by 45.12% on average over the past years. This is a very strong growth
EPS 1Y (TTM)36.82%
EPS 3Y45.12%
EPS 5YN/A
EPS Q2Q%29.11%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.91%

3.2 Future

  • Based on estimates for the next years, TCBX will show a small growth in Earnings Per Share. The EPS will grow by 6.42% on average per year.
  • TCBX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.04% yearly.
EPS Next Y3.63%
EPS Next 2Y6.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year24.58%
Revenue Next 2Y17.04%
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.
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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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.12, which indicates a very decent valuation of TCBX.
  • Compared to the rest of the industry, the Price/Earnings ratio of TCBX indicates a somewhat cheap valuation: TCBX is cheaper than 74.67% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of TCBX to the average of the S&P500 Index (28.41), we can say TCBX is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.73, the valuation of TCBX can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as TCBX.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.64, TCBX is valued rather cheaply.
Industry RankSector Rank
PE 11.12
Fwd PE 10.73
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

  • TCBX's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.16
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)3.06
PEG (5Y)N/A
EPS Next 2Y6.42%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

  • No dividends for TCBX!.
Industry RankSector Rank
Dividend Yield 0%

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THIRD COAST BANCSHARES INC

NYSE:TCBX (2/2/2026, 8:04:00 PM)

After market: 42.13 0 (0%)

42.13

+1.57 (+3.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners59.5%
Inst Owner Change-1.39%
Ins Owners9.13%
Ins Owner Change-0.48%
Market Cap585.19M
Revenue(TTM)N/A
Net Income(TTM)52.09M
Analysts78
Price Target43.86 (4.11%)
Short Float %2.44%
Short Ratio5.02
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)0%
PT rev (3m)0.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.04%
EPS NY rev (3m)7.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.56%
Revenue NY rev (3m)1.38%
Valuation
Industry RankSector Rank
PE 11.12
Fwd PE 10.73
P/S 3.13
P/FCF 14.16
P/OCF 13.69
P/B 1.18
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)3.79
EY9%
EPS(NY)3.93
Fwd EY9.32%
FCF(TTM)2.97
FCFY7.06%
OCF(TTM)3.08
OCFY7.31%
SpS13.47
BVpS35.72
TBVpS34.37
PEG (NY)3.06
PEG (5Y)N/A
Graham Number55.19
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
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 3Y28.02%
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
WACC26.16%
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)36.82%
EPS 3Y45.12%
EPS 5YN/A
EPS Q2Q%29.11%
EPS Next Y3.63%
EPS Next 2Y6.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%21.91%
Revenue Next Year24.58%
Revenue Next 2Y17.04%
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

THIRD COAST BANCSHARES INC / TCBX FAQ

Can you provide the ChartMill fundamental rating for THIRD COAST BANCSHARES INC?

ChartMill assigns a fundamental rating of 3 / 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 9.12%.