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Third Coast Bancshares, Inc.

TCBX

$42.87 ▼ -0.84 (-1.91%) at close

8 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Third Coast Bancshares, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $593.4M

Dividend Yield —

Revenue Growth 21.9% ↗

Op. Margin 39.6% ↗

ROIC None

FCF / Share None

Trailing P/E 9.6x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$208.87M

↑ +21.9% —

Net Income Profit after all expenses

$66.29M

↑ +39.1% —

Operating Margin Operating profit as % of sales

39.6%

↑ +10.7% 93th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	21.9% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+265%)	16.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+167%)	19.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+224%)	29.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+393%)	35.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+487%)	100.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1577%)	—	—
EPS Growth YoY (%)	41.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	48.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	64.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-25.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	212.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	39.1% Excellent ↓ Excellent Declining Year-over-year change in net income	42.7% Excellent ↓ Excellent Declining Year-over-year change in net income	79.0% Excellent ↓ Excellent Declining Year-over-year change in net income	63.3% Excellent ↓ Excellent Declining Year-over-year change in net income	-5.7% Weak Weak Year-over-year change in net income	408.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	19.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	21.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	27.9% Excellent Excellent Compound annual revenue growth over 3 years	52.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	24.2% Excellent Excellent Compound annual revenue growth over 5 years	37.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	51.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	29.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.8% Caution Caution Compound annual EPS growth over 3 years	27.3% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	39.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	35.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	28.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	15.2% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	22.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	9.2% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	—
Effective Tax Rate (%) (%)	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	31.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	22.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	12.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	17.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	6.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	3.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	10.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	4.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$15.09	$12.55	$10.88	$9.18	$12.12	$11.32	$9.14	—
Basic EPS, GAAP (USD)	$4.45	$3.14	$2.11	$1.28	$1.45	$1.94	$0.62	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$38.23	$33.46	$30.28	$28.21	$22.31	$19.18	$14.69	—
Tangible Book Value per Share (USD)	$38.23	$33.46	$28.89	$26.80	$20.87	$16.08	$14.69	—
Basic Weighted Avg Shares (shares)	13.84M	13.66M	13.58M	13.47M	7.87M	6.23M	3.85M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$531.03M	$460.72M	$411.97M	$381.78M	$299.01M	$120.42M	$56.52M	$54.13M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$208.87M	$171.38M	$147.73M	$123.68M	$95.43M	$70.56M	$35.17M	—
Depreciation Expense (USD)	$4.10M	$4.10M	$3.50M	$2.60M	$1.70M	$1.50M	$869.00K	—
Net Income, GAAP (USD)	$66.29M	$47.67M	$33.40M	$18.66M	$11.42M	$12.12M	$2.38M	—
Operating Cash Flow (USD)	$50.84M	$35.14M	$39.08M	$21.79M	$4.58M	$-3.65M	$3.59M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.3%	3.2%	3.1%	3.6%	3.6%	—	—
Efficiency Ratio (%) (%)	56.8%	60.9%	67.6%	71.4%	74.4%	67.2%	86.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 8 years · 27 quarters

Third Coast Bancshares, Inc.

Analytical Summary

8-Year Financial Trajectory

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Bearish Risks

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