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THIRD COAST BANCSHARES INC (TCBX) Stock Fundamental Analysis

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

29.19  -1.32 (-4.33%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TCBX. TCBX was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of TCBX have multiple concerns. TCBX is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

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3

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.
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 has a Return On Assets (0.87%) which is in line with its industry peers.
TCBX has a Return On Equity of 9.32%. This is in the better half of the industry: TCBX outperforms 60.05% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 9.32%
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

With a Profit Margin value of 25.05%, TCBX perfoms like the industry average, outperforming 58.29% of the companies in the same industry.
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) 25.05%
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

TCBX has a debt to FCF ratio of 3.35. This is a good value and a sign of high solvency as TCBX would need 3.35 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.35, TCBX is in line with its industry, outperforming 40.45% of the companies in the same industry.
TCBX has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.24, TCBX is in line with its industry, outperforming 40.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.35
Altman-Z N/A
ROIC/WACCN/A
WACC31.56%
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 44.83%, 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 16.01%.
The Revenue has been growing by 21.52% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)44.83%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%27.87%
Revenue 1Y (TTM)16.01%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%13.55%

3.2 Future

The Earnings Per Share is expected to grow by 12.26% on average over the next years. This is quite good.
Based on estimates for the next years, TCBX will show a quite strong growth in Revenue. The Revenue will grow by 10.16% on average per year.
EPS Next Y14.01%
EPS Next 2Y12.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.91%
Revenue Next 2Y10.16%
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.
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 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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6

4. Valuation

4.1 Price/Earnings Ratio

TCBX is valuated reasonably with a Price/Earnings ratio of 9.93.
TCBX's Price/Earnings ratio is a bit cheaper when compared to the industry. TCBX is cheaper than 68.09% of the companies in the same industry.
TCBX is valuated cheaply when we compare the Price/Earnings ratio to 28.64, which is the current average of the S&P500 Index.
TCBX is valuated reasonably with a Price/Forward Earnings ratio of 8.36.
Based on the Price/Forward Earnings ratio, TCBX is valued a bit cheaper than the industry average as 68.84% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.44. TCBX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.93
Fwd PE 8.36
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 12.1
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.
TCBX's earnings are expected to grow with 12.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)N/A
EPS Next 2Y12.26%
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 (4/24/2025, 2:21:42 PM)

29.19

-1.32 (-4.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners53.14%
Inst Owner Change1.2%
Ins Owners7.89%
Ins Owner Change12.41%
Market Cap403.70M
Analysts80
Price Target38.42 (31.62%)
Short Float %2.45%
Short Ratio4.23
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP11.06%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)24.29%
Min EPS beat(2)14.23%
Max EPS beat(2)34.35%
EPS beat(4)4
Avg EPS beat(4)19.91%
Min EPS beat(4)9%
Max EPS beat(4)34.35%
EPS beat(8)7
Avg EPS beat(8)11.43%
EPS beat(12)9
Avg EPS beat(12)6.33%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.17%
Min Revenue beat(2)0.94%
Max Revenue beat(2)3.41%
Revenue beat(4)3
Avg Revenue beat(4)1.17%
Min Revenue beat(4)-0.51%
Max Revenue beat(4)3.41%
Revenue beat(8)4
Avg Revenue beat(8)0.5%
Revenue beat(12)5
Avg Revenue beat(12)-0.33%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)9.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.77%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)10.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.52%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)4.95%
Valuation
Industry RankSector Rank
PE 9.93
Fwd PE 8.36
P/S 2.36
P/FCF 12.1
P/OCF 11.49
P/B 0.88
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)2.94
EY10.07%
EPS(NY)3.49
Fwd EY11.96%
FCF(TTM)2.41
FCFY8.27%
OCF(TTM)2.54
OCFY8.7%
SpS12.39
BVpS33.31
TBVpS31.95
PEG (NY)0.71
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 9.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.05%
GM N/A
FCFM 19.47%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 3.35
Debt/EBITDA N/A
Cap/Depr 38.23%
Cap/Sales 1.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 77.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC31.56%
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)44.83%
EPS 3Y43.37%
EPS 5YN/A
EPS Q2Q%27.87%
EPS Next Y14.01%
EPS Next 2Y12.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.01%
Revenue growth 3Y21.52%
Revenue growth 5YN/A
Sales Q2Q%13.55%
Revenue Next Year13.91%
Revenue Next 2Y10.16%
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-6.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-10.08%
OCF growth 3Y97.23%
OCF growth 5YN/A