Saturday 17 October 2026 Export TCBX’s income statement to Excel — free account

Third Coast Bancshares, Inc.

Third Coast Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $367.7 million, up 8.47% from fiscal 2024. In the quarter to June 2026, revenue grew 24.5%, EPS grew 11.6% and free cash flow grew 223.5%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

41.50 0.10 +0.24%

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Market cap: $689.5M
P/E: 8.8×
Fwd P/E: 10.6×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.05

Total sells 0.17

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	1	—	—	—	—	—	—	—	—
Sell	1	1	—	—	—	—	—	1	—	—	—	—

Insider Ownership 18.33%

Capital & Financial Ratios $m

Market Cap 689.51

Revenue 407.62

Net Income 74.31

Free Cash Flow 15.78

Net Debt (411.17)

Current Ratio 0.97

Debt/Equity 0.00

P/E ratio 8.81

Fwd P/E 10.60

P/S ratio 1.69

P/B ratio 1.03

Past 5Y EPS Growth 14.64%

This Y EPS Growth 4.75%

Next Y EPS Growth 11.62%

Next Y revenue growth (29.83%)

Next 5Y EPS Growth 9.05%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 18.97%

10-year low 10-year high

P/S against its own 10 years 73.85%

10-year low 10-year high

P/B against its own 10 years 76.92%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2024	Powerpack
2023	16.88	16.88
2022	Powerpack
2020	Powerpack
2019	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	412	422	181	411
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,037	4,373	4,562	5,824

	2023	2024	2025	Q'26
Payables	3,803	4,310	4,627	5,855
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,927	4,428	4,752	6,003

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	101	114	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.88	1.08	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	24.51	16.35	12.31	18.00	25.17	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	30.50	26.75	21.50	37.65	41.70
People
People	Employees	—	—	—	—	265	334	368	365	369	412
	Revenue/emp, $m	—	—	—	0.00	0.32	0.32	0.44	0.75	0.92	0.89
Income, $m
Income, $m	Revenue	—	—	—	51	85	105	161	275	339	368
	Gross margin, %	—	—	—	68.77	83.09	90.46	76.74	53.77	50.56	56.81
	EBT	—	—	—	3	16	14	23	42	61	83
	EBT margin, %	—	—	—	6.32	18.38	13.73	14.37	15.15	18.10	22.50
	Net income	—	—	—	2	12	11	19	33	48	66
	Depreciation	—	—	—	1	0	0	0	(2)	(7)	(18)
Per share, $
Per share, $	Revenue	—	—	—	13.29	13.63	13.40	11.97	20.23	24.82	26.56
	Earnings	—	—	—	0.62	1.94	1.45	1.28	2.11	3.14	4.45
	Cash flow	—	—	—	0.93	(0.59)	0.58	1.62	2.88	2.57	3.67
	Capex	—	—	—	(0.77)	(0.21)	(0.71)	(0.81)	(0.25)	(0.13)	(0.19)
	Free cash flow	—	—	—	0.16	(0.79)	(0.13)	0.81	2.62	2.44	3.48
	Book value	—	—	—	14.69	19.32	37.97	28.35	30.33	33.74	38.37
	Shares, m	—	—	—	4	6	8	13	14	14	14
Valuation, ×
Valuation, ×	P/E	—	—	—	11.52	11.52	15.27	14.05	9.28	10.78	8.54
	P/S	—	—	—	1.79	1.79	1.94	1.50	0.97	1.37	1.43
	P/B	—	—	—	0.99	0.99	0.68	0.63	0.65	1.01	0.99
	EV/Sales	—	—	—	(0.95)	(0.95)	(0.69)	(0.45)	(0.46)	0.18	0.99
	EV/FCF	—	—	—	(73.99)	(73.99)	70.07	(6.58)	(3.58)	1.80	7.53
Cash, $m
Cash, $m	Operating cash flow	—	—	—	4	(4)	5	22	39	35	51
	Capex	—	—	—	(3)	(1)	(6)	(11)	(3)	(2)	(3)
	Free cash flow	—	—	—	1	(5)	(1)	11	36	33	48
Balance, $m
Balance, $m	Working capital	—	—	—	61	95	244	78	109	(55)	(190)
	Total debt	—	—	—	30	70	50	129	—	—	—
	Net debt	—	—	—	(66)	(134)	(277)	(332)	(412)	(422)	(181)
	Shareholders’ equity	—	—	—	57	120	299	382	412	461	531
Returns, %
Returns, %	ROA	—	—	—	0.17	0.87	0.52	0.55	0.70	0.92	1.20
	ROIC	—	—	—	0.00	0.00	41.43	29.10	20,160.85	97.91	14.80
	ROE	—	—	—	2.66	13.69	5.45	5.07	7.22	9.84	12.41

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
WASH Washington Trust Bancorp, Inc.	$707.1M	12.7×	10.7×	−2.18% (below 0%: shrinking)	+21.74% (above 0%: growing)	+101.28% (above 0%: growing)	64.44%	0.00%	Compare
CWBC Community West Bancshares	$699.2M	13.8×	11.5×	+32.57% (above 0%: growing)	−75.61% (below 0%: shrinking)	+65.55% (above 0%: growing)	76.29%	0.00%	Compare
BCAL California BanCorp	$698.0M	11.7×	11.5×	−3.68% (below 0%: shrinking)	+2.33% (above 0%: growing)	+6.82% (above 0%: growing)	79.50%	0.00%	Compare
TCBX Third Coast Bancshares, Inc.	$689.5M	8.8×	10.6×	+24.52% (above 0%: growing)	+11.61% (above 0%: growing)	+223.46% (above 0%: growing)	59.80%	0.00%
AROW Arrow Financial Corporation	$681.7M	11.9×	13.8×	+4.55% (above 0%: growing)	+1.54% (above 0%: growing)	+37.22% (above 0%: growing)	71.42%	0.00%	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%	Compare
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
RRBI Red River Bancshares, Inc.	$666.1M	14.5×	12.5×	+6.30% (above 0%: growing)	+18.54% (above 0%: growing)	+237.31% (above 0%: growing)	76.50%	0.00%	Compare
Median of peers	$681.4M	12.4×	11.1×	+4.17%	+10.44%	+45.82%	75.29%	0.00%

All 323 Banks Regional stocks →

Third Coast Bancshares, Inc. (TCBX) key facts

Strength: Third Coast Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $367.7 million, up 8.47% from fiscal 2024.
Third Coast Bancshares, Inc. (TCBX) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, TCBX traded at $41.50, a market capitalization of $689.5 million.
Return on equity was 12.4% and debt-to-equity 0.00.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.