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Third Coast Bancshares, Inc. (TCBX) vs West Coast Community Bancorp (WCCB)

Third Coast Bancshares, Inc. and West Coast Community Bancorp are both Banks Regional companies. Third Coast Bancshares, Inc. and West Coast Community Bancorp are of similar size ($656.7M and $653.2M). Third Coast Bancshares, Inc. trades at the lower P/E: 8.5× against 12.3×. Third Coast Bancshares, Inc. grew revenue faster over the last twelve months: 18.0% against 16.0%. West Coast Community Bancorp has the higher net margin (29.8% vs 16.6%) and the lower return on invested capital (0.00% vs 18.6%). Across the 14 metrics below, Third Coast Bancshares, Inc. leads on 11 and West Coast Community Bancorp on 3.

Valuation

Metric TCBX WCCB Banks Regional median
P/E 8.48 12.27 12.02
P/S 1.54 3.64 2.36
P/B 0.97 n/m 1.23
Price to free cash flow 215.38 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — 3.52 —
Earnings yield 11.80% 8.15% 8.21%
Free cash flow yield 0.46% 0.00% 9.23%

Profitability

Metric TCBX WCCB Banks Regional median
Gross margin 58.42% 100.00% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.61% 29.80% 18.82%
Free cash flow margin 0.72% 0.00% 17.97%
Return on equity 11.86% 0.00% 10.28%
Return on assets 1.19% 0.00% 1.13%
Return on invested capital 18.57% 0.00% 8.45%

Growth

Metric TCBX WCCB Banks Regional median
Revenue growth (TTM) 18.01% 16.04% 6.37%
EPS growth (last fiscal year) 36.33% 45.12% 18.85%
Revenue growth, 5-year CAGR 34.06% 25.23% 12.65%
Net income growth, 5-year CAGR 38.41% 23.50% 9.81%

Health

Metric TCBX WCCB Banks Regional median
Debt to equity 0.00 — 0.17
Current ratio 0.96 — 0.93
Net debt to EBITDA 0.00 — 0.00

Dividend

Metric TCBX WCCB Banks Regional median
Dividend yield — 1.62% 2.49%
Payout ratio — 0.20 0.29

Size

Metric TCBX WCCB Banks Regional median
Market cap 653.21m 656.73m 934.85m

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