Third Coast Bancshares, Inc. TCBX

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Price alert · TCBX

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39.89 USD -0.52 -1.29%

At close · Oct 30

39.89 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
39.84 × 200
Ask
40.03 × 400
39.71 Day range 40.41
36.05 52-week range 46.13
YTD
+4.95%
1 year
+8.31%
Open
40.69
Prev close
40.41
Mkt cap
663.73M
Vol
218.34K
Avg vol
106.26K
EPS
3.92
P/E
10.18
Div yield
0.00%
More statistics
Low
39.71
High
40.41
Forward P/E
12.14
Beta
0.65
Short ratio
1.47
Inst. own
47.38%
Dividend
0.00
Ex-div date
Earnings
Jan 23, 2025
50-d avg
33.43
200-d avg
24.84
1y target
36.75

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Financial health

Altman Z-Score

-0.66 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 8.5×
FY 2019: 73.6×FY 2020: 12.9×FY 2021: 17.9×FY 2022: 14.4×FY 2023: 9.4×FY 2024: 10.8×FY 2025: 8.5×
FY 2019 5y median 10.8× FY 2025
P/S 1.4×
FY 2019: 3.4×FY 2020: 1.9×FY 2021: 2.0×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.4×FY 2025: 1.4×
FY 2019 5y median 1.4× FY 2025
P/B 1.0×
FY 2019: 3.0×FY 2020: 1.3×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 1.0×FY 2025: 1.0×
FY 2019 5y median 0.7× FY 2025
P/FCF 10.9×
FY 2019: 283×FY 2020: -31.2×FY 2021: -197×FY 2022: 25.8×FY 2023: 7.6×FY 2024: 13.9×FY 2025: 10.9×
FY 2019 5y median 10.9× FY 2025
EV/EBITDA 5.4×
FY 2019: 26.2×FY 2020: -0.7×FY 2021: -8.5×FY 2022: 1.9×FY 2023: 2.5×FY 2024: 3.4×FY 2025: 5.4×
FY 2019 5y median 2.5× FY 2025
EV/Sales 1.3×
FY 2019: 2.1×FY 2020: -0.1×FY 2021: -1.2×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.7×FY 2025: 1.3×
FY 2019 5y median 0.4× FY 2025
FCF Yield 9.2%
FY 2019: 0.4%FY 2020: -3.2%FY 2021: -0.5%FY 2022: 3.9%FY 2023: 13.2%FY 2024: 7.2%FY 2025: 9.2%
FY 2019 5y median 7.2% FY 2025

Profitability

Gross Margin 55.3%
FY 2019: 65.0%FY 2020: 73.8%FY 2021: 80.6%FY 2022: 69.0%FY 2023: 51.3%FY 2024: 48.7%FY 2025: 55.3%
FY 2019 5y median 55.3% FY 2025
Operating Margin 23.2%
FY 2019: 6.4%FY 2020: 18.7%FY 2021: 14.0%FY 2022: 14.5%FY 2023: 15.2%FY 2024: 18.1%FY 2025: 23.2%
FY 2019 5y median 15.2% FY 2025
Net Margin 18.1%
FY 2019: 4.7%FY 2020: 14.5%FY 2021: 11.1%FY 2022: 11.6%FY 2023: 12.2%FY 2024: 14.1%FY 2025: 18.1%
FY 2019 5y median 12.2% FY 2025
ROE 12.5%
FY 2019: 4.2%FY 2020: 10.0%FY 2021: 3.8%FY 2022: 4.9%FY 2023: 8.1%FY 2024: 10.3%FY 2025: 12.5%
FY 2019 5y median 8.1% FY 2025
ROIC 9.6%
FY 2019: 2.0%FY 2020: 5.2%FY 2021: 3.2%FY 2022: 3.5%FY 2023: 5.7%FY 2024: 7.6%FY 2025: 9.6%
FY 2019 5y median 5.7% FY 2025
ROA 1.2%
FY 2019: 0.3%FY 2020: 0.6%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.8%FY 2024: 1.0%FY 2025: 1.2%
FY 2019 5y median 0.8% FY 2025

Growth (YoY)

Revenue 8.5%
FY 2019: 0.0%FY 2020: 66.2%FY 2021: 23.5%FY 2022: 55.2%FY 2023: 71.1%FY 2024: 23.4%FY 2025: 8.5%
FY 2019 FY 2025
Operating Income 38.5%
FY 2019: 0.0%FY 2020: 382.8%FY 2021: -7.2%FY 2022: 60.0%FY 2023: 79.6%FY 2024: 47.4%FY 2025: 38.5%
FY 2019 FY 2025
EPS (diluted) 36.3%
FY 2019: 0.0%FY 2020: 478.8%FY 2021: -26.7%FY 2022: -10.7%FY 2023: 58.4%FY 2024: 40.4%FY 2025: 36.3%
FY 2019 FY 2025
Free Cash Flow 44.3%
FY 2019: 0.0%FY 2020: -919.6%FY 2021: 79.3%FY 2022: 1026.8%FY 2023: 271.2%FY 2024: -6.4%FY 2025: 44.3%
FY 2019 FY 2025

Financial Health

Current Ratio 0.1×
FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2019 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2019 5y median 0.2× FY 2025
Debt / Equity 0.3×
FY 2019: 0.5×FY 2020: 0.3×FY 2021: 0.0×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2019 5y median 0.3× FY 2025
Net Debt / EBITDA -0.4×
FY 2019: -16.0×FY 2020: -10.7×FY 2021: -22.9×FY 2022: -7.8×FY 2023: -3.4×FY 2024: -3.6×FY 2025: -0.4×
FY 2019 5y median -3.6× FY 2025
Interest Coverage 0.5×
FY 2019: 0.2×FY 2020: 1.1×FY 2021: 1.4×FY 2022: 0.6×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.5×
FY 2019 5y median 0.5× FY 2025

Dividends

Dividend Yield 0.9%
FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.1%FY 2023: 1.8%FY 2024: 1.0%FY 2025: 0.9%
FY 2019 5y median 0.9% FY 2025
Payout Ratio 7.2%
FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 1.2%FY 2023: 14.2%FY 2024: 10.0%FY 2025: 7.2%
FY 2019 5y median 7.2% FY 2025

Annual · latest fiscal year ends 2025-12-31