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THIRD COAST BANCSHARES INC (TCBX) Stock Fundamental Analysis

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

35.51  -1.36 (-3.69%)

After market: 35.72 +0.21 (+0.59%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TCBX. TCBX was compared to 405 industry peers in the Banks industry. TCBX has a bad profitability rating. Also its financial health evaluation is rather negative. 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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3

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.
In the past 5 years TCBX has always been profitable.
In multiple years TCBX reported negative operating cash flow during the last 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

Looking at the Return On Assets, with a value of 0.84%, TCBX is in line with its industry, outperforming 56.14% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.63%, TCBX is in line with its industry, outperforming 55.14% of the companies in the same industry.
Industry RankSector Rank
ROA 0.84%
ROE 8.63%
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 23.63%, TCBX is in line with its industry, outperforming 56.14% of the companies in the same industry.
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) 23.63%
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.
Compared to 1 year ago, TCBX has more shares outstanding
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

The Debt to FCF ratio of TCBX is 2.06, which is a good value as it means it would take TCBX, 2.06 years of fcf income to pay off all of its debts.
TCBX has a Debt to FCF ratio of 2.06. This is comparable to the rest of the industry: TCBX outperforms 59.65% of its industry peers.
TCBX has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.25, TCBX perfoms like the industry average, outperforming 41.85% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.06
Altman-Z N/A
ROIC/WACCN/A
WACC23.94%
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 40.61% 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
TCBX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.00%.
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)40.61%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%38.6%
Revenue 1Y (TTM)16%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%17.28%

3.2 Future

The Earnings Per Share is expected to grow by 12.55% 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 10.31% yearly.
EPS Next Y14.15%
EPS Next 2Y12.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.01%
Revenue Next 2Y10.31%
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 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.82, which indicates a correct valuation of TCBX.
TCBX's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.62, TCBX is valued rather cheaply.
The Price/Forward Earnings ratio is 11.23, which indicates a very decent 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.
TCBX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 12.82
Fwd PE 11.23
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 ratio is a bit cheaper when compared to the industry. TCBX is cheaper than 78.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.94
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.
TCBX's earnings are expected to grow with 12.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)N/A
EPS Next 2Y12.55%
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 (2/21/2025, 8:00:01 PM)

After market: 35.72 +0.21 (+0.59%)

35.51

-1.36 (-3.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22/amc
Earnings (Next)04-22 2025-04-22/amc
Inst Owners53.14%
Inst Owner Change-92.44%
Ins Owners7.89%
Ins Owner Change10.8%
Market Cap488.97M
Analysts80
Price Target39.03 (9.91%)
Short Float %2.03%
Short Ratio3.37
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP12.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.67%
Min EPS beat(2)9%
Max EPS beat(2)34.35%
EPS beat(4)4
Avg EPS beat(4)20.15%
Min EPS beat(4)9%
Max EPS beat(4)34.35%
EPS beat(8)7
Avg EPS beat(8)9.84%
EPS beat(12)8
Avg EPS beat(12)-2.36%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.22%
Min Revenue beat(2)-0.51%
Max Revenue beat(2)0.94%
Revenue beat(4)3
Avg Revenue beat(4)0.7%
Min Revenue beat(4)-0.51%
Max Revenue beat(4)1.52%
Revenue beat(8)3
Avg Revenue beat(8)-0.28%
Revenue beat(12)5
Avg Revenue beat(12)-0.49%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)9.13%
PT rev (3m)32.56%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)10.22%
EPS NY rev (3m)10.12%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)5.04%
Revenue NY rev (3m)4.99%
Valuation
Industry RankSector Rank
PE 12.82
Fwd PE 11.23
P/S 2.97
P/FCF 8.94
P/OCF 8.69
P/B 1.09
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.77
EY7.8%
EPS(NY)3.16
Fwd EY8.9%
FCF(TTM)3.97
FCFY11.19%
OCF(TTM)4.09
OCFY11.51%
SpS11.95
BVpS32.72
TBVpS31.35
PEG (NY)0.91
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 8.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.63%
GM N/A
FCFM 33.25%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.06
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 140.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC23.94%
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)40.61%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%38.6%
EPS Next Y14.15%
EPS Next 2Y12.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%17.28%
Revenue Next Year14.01%
Revenue Next 2Y10.31%
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 1Y164.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y103.09%
OCF growth 3YN/A
OCF growth 5YN/A