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Third Coast Bancshares, Inc.

TCBX Financial Banks Regional

Third Coast Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $367.7 million, up 8.47% from fiscal 2024.

Revenue
+17.6%
EPS
−6.48%
Free cash flow
−64.0%

Quarter to September 2026, against a year earlier

39.26 1.23 −3.04%
Market cap
$653.2M
P/E
8.5×
Fwd P/E
10.3×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.09
Sold, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — — 1 —
Sell — — — — — — 1 — — — — —
Insider Ownership 18.52%

Capital & Financial Ratios $m

Size
Market Cap 653.21
Revenue ttm 424.53
Net income ttm 75.26
Free cash flow ttm 3.04
Net debt Q (366.09)
Valuation
P/E 8.48
Forward P/E 10.30
Price / sales 1.54
Forward P/S Powerpack
Price / FCF 215.38
Price / book 0.97
Financial health
Current ratio Q 0.96
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +17.59% (above 0%: growing)
Operating income growth Q +4.10% (above 0%: growing)
EPS, this year +4.36%
EPS, next year A +7.77%
Revenue, next year A −30.43% (below 0%: weak)
EPS, past 5 yrs +14.64%
EPS, next 5 yrs A +8.52%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 9.50%
10-year low 10-year high
P/S against its own 10 years 61.69%
10-year low 10-year high
P/B against its own 10 years 62.73%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2023–24
−100.0%/yr
  1. 16.88 ’23
  2. 0.00 ’24 −100
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 412 422 181 366
Receivables — — — —
Inventory — — — —
Other — — — —
4,037 4,373 4,562 5,837
2023 2024 2025 Q'26
Payables 3,803 4,310 4,627 5,925
ST’ Debt — — — —
Other — — — —
3,927 4,428 4,752 6,075

Compound Annual Growth %

10y 5y 3y
Sales — 34.06% 31.64%
Cash Flow — 0.00% 32.63%
Earnings — 38.41% 52.83%
Book Value — 34.55% 11.63%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.97 Actual 1.06

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.90 1.02 Beat by 0.12
Q1 FY26 0.84 0.88 Beat by 0.04
Q2 FY26 0.88 1.08 Beat by 0.20
Q3 FY26 0.97 1.06 Beat by 0.09
Q4 FY26 0.98 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.88 1.08 0.93 — —
’25 0.78 0.96 1.03 1.02 3.79
’24 0.61 0.63 0.74 0.79 2.78
’23 0.55 0.53 0.32 0.50 1.98
’22 0.15 0.16 0.49 0.44 1.25
’21 0.80 0.55 0.28 0.03 1.40
’20 — — 0.65 — 1.91
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 101 114 113 — —
’25 84 91 96 96 368
’24 81 84 85 88 339
’23 59 65 71 79 275
’22 29 34 46 53 161
’21 26 25 25 29 105
’20 — 34 20 37 85
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (39) 45 9 — —
’25 10 14 21 6 51
’24 9 7 22 (4) 35
’23 8 11 3 18 39
’22 1 4 11 6 22
’21 3 (2) 3 1 5
’20 — (1) (5) 2 (4)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (53) 44 7 — —
’25 10 14 20 5 48
’24 10 5 22 (4) 33
’23 7 9 2 17 36
’22 (1) 2 7 4 11
’21 2 (4) 1 (1) (1)
’20 — (1) (6) 1 (5)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — 51 85 105 161 275 339 368 425 +38.9% 256 369 397 +2.6%
Gross margin, % — — — 68.77 83.09 90.46 76.74 53.77 50.56 56.81 58.42 (12.0) pt
EBT — — — 3 16 14 23 42 61 83 92 +71.7%
EBT margin, % — — — 6.32 18.38 13.73 14.37 15.15 18.10 22.50 21.62 +16.2 pt
Net income — — — 2 12 11 19 33 48 66 75 +74.1%
Per share, $
Per share, $ Revenue — — — 13.29 13.63 13.40 11.97 20.23 24.82 26.56 25.49 +12.2%
Earnings — — — 0.62 1.94 1.45 1.28 2.11 3.14 4.45 4.63 +38.9%
Cash flow — — — 0.93 (0.59) 0.58 1.62 2.88 2.57 3.67 1.26 +25.7%
Capex — — — (0.77) (0.21) (0.71) (0.81) (0.25) (0.13) (0.19) (1.07) (20.6%)
Free cash flow — — — 0.16 (0.79) (0.13) 0.81 2.62 2.44 3.48 0.18 +67.3%
Book value — — — 14.69 19.32 37.97 28.35 30.33 33.74 38.37 40.52 +17.3%
Shares, m — — — 4 6 8 13 14 14 14 15 +23.8%
Valuation, ×
Valuation, × P/E — — — 11.52 11.52 15.27 14.05 9.28 10.78 8.54 8.48 11.6
P/S — — — 1.79 1.79 1.94 1.50 0.97 1.37 1.43 1.54 1.5
P/B — — — 0.99 0.99 0.68 0.63 0.65 1.01 0.99 0.97 0.8
EV/Sales — — — (0.95) (0.95) (0.69) (0.45) (0.46) 0.18 0.99 — (0.3)
EV/FCF — — — (73.99) (73.99) 70.07 (6.58) (3.58) 1.80 7.53 — (11.2)
Cash, $m
Cash, $m Operating cash flow — — — 4 (4) 5 22 39 35 51 21 +55.6%
Capex — — — (3) (1) (6) (11) (3) (2) (3) (18) (1.7%)
Free cash flow — — — 1 (5) (1) 11 36 33 48 3 +107.1%
Balance, $m
Balance, $m Working capital — — — 61 95 244 78 109 (55) (190) (238) n/m
Net debt — — — (66) (134) (277) (332) (412) (422) (181) (366) +18.3%
Shareholders’ equity — — — 57 120 299 382 412 461 531 675 +45.3%
Returns, %
Returns, % ROA — — — 0.17 0.87 0.52 0.55 0.70 0.92 1.20 1.19 +1.0 pt
ROIC — — — 0.00 0.00 41.43 29.10 20,160.85 97.91 14.80 18.57 +14.8 pt
ROE — — — 2.66 13.69 5.45 5.07 7.22 9.84 12.41 11.86 +9.8 pt
People
People Employees — — — — 265 334 368 365 369 412 — +9.2%
Revenue/emp, $m — — — 0.00 0.32 0.32 0.44 0.75 0.92 0.89 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Third Coast Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00% Compare
ACNB ACNB Corporation $666.0M 12.1× 11.3× +6.05% (above 0%: growing) +8.39% (above 0%: growing) −101.87% (below 0%: shrinking) 81.15% 0.00% Compare
CCB Coastal Financial Corporation $661.2M — (loss-making) 1,443× +37.72% (above 0%: growing) 0.00% −104.10% (below 0%: shrinking) 85.92% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
MSBI Midland States Bancorp, Inc. $657.4M 14.0× 9.6× −1.90% (below 0%: shrinking) +295.83% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
WCCB West Coast Community Bancorp $656.7M 12.3× 11.3× +4.43% (above 0%: growing) −4.88% (below 0%: shrinking) — 100.00% 0.00% Compare
TCBX Third Coast Bancshares, Inc. $653.2M 8.5× 10.3× +17.59% (above 0%: growing) −6.48% (below 0%: shrinking) −64.01% (below 0%: shrinking) 58.27% 0.00%
CARE Carter Bankshares, Inc. $629.2M 4.8× 5.1× +3.92% (above 0%: growing) +45.83% (above 0%: growing) −100.05% (below 0%: shrinking) 68.91% 0.00% Compare
FBIZ First Business Financial Services, Inc. $623.6M 11.0× 11.4× +2.14% (above 0%: growing) +14.71% (above 0%: growing) −71.53% (below 0%: shrinking) 63.38% 0.00% Compare
Median of peers $658.4M 11.7× 11.3× +4.17% +11.55% −71.53% 76.72% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 16 April 2026

Ownership

Directors and executive officers, together 10.48%
Castle Creek Capital VIII LLC 9.30%
BlackRock, Inc. 5.50%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Third Coast Bancshares, Inc. (TCBX) Latest News

30 Oct

Impact 3 · · The Motley Fool

22 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat
Impact 4 · · Moby transcript

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

14 Oct

Impact 3 · · Zacks

7 Oct

Impact 4 · · bankingdive.com
Impact 4 · · PR Newswire

23 Jul

Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

22 Jul

Impact 4 ·

13 Jul

Impact 4 ·

2 Jul

Impact 3 ·

24 Apr

Impact 4 · · GuruFocus.com

23 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby
Impact 3 · · MarketBeat

22 Apr

Impact 4 · · Zacks
Impact 4 · · PR Newswire

21 Apr

Impact 4 · · The Motley Fool transcript

11 Feb

Impact 4 ·
Impact 3 · · Zacks

6 Feb

Impact 3 · · Zacks

2 Feb

Impact 4 · · PR Newswire

23 Jan

Impact 3 · · TMX Newsfile

22 Jan

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat transcript
Impact 4 · · Simply Wall St.

21 Jan

Impact 4 · · Zacks
stockrow.com/TCBX · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com