What is Third Coast Bancshares, Inc.'s earnings per share (EPS)?

Third Coast Bancshares, Inc. (TCBX) reported diluted earnings per share of $3.79 for fiscal year 2025. This represents a 36.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Third Coast Bancshares, Inc. (TCBX) Financials

TCBX

Trailing 12 months to June 30, 2026

Revenue $236.6M +26.4% YoY

Net Income $74.3M +30.7% YoY

EPS (Diluted) $4.01 +22.6% YoY

Operating Cash Flow $32.7M -23.4% YoY

Market Cap $688.5M as of Oct 9, 2026

Price / Sales 2.9x on $236.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.3x on $74.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $670.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TCBX SEC filings page.

Third Coast Bancshares, Inc. (TCBX) reported $236.6M in revenue over the twelve months to Jun 30, 2026, up 26.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TCBX FY2025 2026-10-04

The bank is expanding a heavily liability-funded balance sheet, while rising earnings have not consistently translated into operating cash.

The latest period pairs net income of $66.3M with operating cash flow of $50.8M. FY2024 showed the same direction at $47.7M versus $35.1M, making the recurring gap an earnings-quality consideration rather than a one-year mismatch.

At FY2025, total assets were $5.34B against $208.9M of revenue, so balance-sheet scale—not margin—best describes the bank’s operating model. Liabilities were $4.81B, while the reported debt-to-equity ratio was 9.1x, down from 9.7x in FY2024 as equity grew faster than the leverage measure.

Per-share earnings climbed from $2.78 in FY2024 to $3.79 in FY2025, showing that profit growth reached shareholders despite a larger capital base. Shares outstanding also rose from 13.8M to 16.6M, so the improvement in earnings was strong enough to exceed share dilution.

Financial Health Signals

Financial Health Score 54/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Third Coast Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Third Coast Bancshares, Inc. earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and Third Coast Bancshares, Inc. scores 64/100 among other banks.

Growth

Third Coast Bancshares, Inc. reported revenue of $208.9M in fiscal year 2025, against $171.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Third Coast Bancshares, Inc. scores 78/100 among other banks.

Capital

Third Coast Bancshares, Inc. funded 9.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $531.0M of equity against $5.3B of assets. Capital ranks banks on that cushion, and Third Coast Bancshares, Inc. scores 28/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Third Coast Bancshares, Inc. scores 64/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Third Coast Bancshares, Inc. scores 59/100 on it among other banks.

Stability

Third Coast Bancshares, Inc. reported net income of $66.3M in fiscal year 2025, against $47.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Third Coast Bancshares, Inc. scores 30/100 among other banks.

Piotroski F-Score Partial

4/6

Third Coast Bancshares, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

0.77x

For every $1 of reported earnings, Third Coast Bancshares, Inc. generates $0.77 in operating cash flow ($50.8M OCF vs $66.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$68.0M

YoY+30.7%

QoQ+17.9%

5Y CAGR+25.0%

Third Coast Bancshares, Inc. generated $68.0M in revenue in Q2 2026. This represents an increase of 30.7% from the same quarter a year earlier. Against the prior quarter it is up 17.9%.

Net Income

$22.0M

YoY+31.3%

QoQ+34.3%

5Y CAGR+43.7%

Third Coast Bancshares, Inc. reported $22.0M in net income in Q2 2026. This represents an increase of 31.3% from the same quarter a year earlier. Against the prior quarter it is up 34.3%.

EPS (Diluted)

$1.08

YoY+12.5%

QoQ+22.7%

5Y CAGR+14.4%

Third Coast Bancshares, Inc. earned $1.08 per diluted share (EPS) in Q2 2026. This represents an increase of 12.5% from the same quarter a year earlier. Against the prior quarter it is up 22.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$404.2M

YoY+257.2%

QoQ-4.9%

Third Coast Bancshares, Inc. held $404.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

17M

YoY+20.2%

QoQ+0.4%

Third Coast Bancshares, Inc. had 17M shares outstanding in Q2 2026. This represents an increase of 20.2% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

32.3%

YoY+0.2pp

QoQ+4.0pp

5Y change+16.3pp

Third Coast Bancshares, Inc.'s net profit margin was 32.3% in Q2 2026, showing the share of revenue converted to profit. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.0 percentage points.

Return on Equity

3.3%

YoY-0.1pp

QoQ+0.8pp

5Y change+0.6pp

Third Coast Bancshares, Inc.'s ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

TCBX Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBX quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Revenue	$236.6M	$208.9M+21.9%	$171.4M+16.0%	$147.7M+19.4%	$123.7M+29.6%	$95.4M+35.2%	$70.6M+100.6%	$35.2M
SG&A Expenses	$90.3M	$77.2M+18.5%	$65.1M+4.7%	$62.2M+10.1%	$56.5M+16.2%	$48.6M+66.2%	$29.3M+46.4%	$20.0M
Interest Expense	$171.0M	$158.8M-5.2%	$167.6M+31.9%	$127.0M+238.8%	$37.5M+272.6%	$10.1M-29.9%	$14.4M-10.1%	$16.0M
Income Tax	$16.5M	$16.5M+20.3%	$13.7M+66.6%	$8.2M+82.1%	$4.5M+47.4%	$3.1M-12.5%	$3.5M+310.2%	$852K
Net Income	$74.3M	$66.3M+39.1%	$47.7M+42.7%	$33.4M+79.0%	$18.7M+63.3%	$11.4M-5.7%	$12.1M+408.8%	$2.4M
EPS (Basic)	N/A	$4.45+41.7%	$3.14+48.8%	$2.11+64.8%	$1.28-11.7%	$1.45-25.3%	$1.94+212.9%	$0.62
EPS (Diluted)	$4.01	$3.79+36.3%	$2.78+40.4%	$1.98+58.4%	$1.25	$1.40	$1.91	$0.60
Diluted Shares (Avg)	N/A	17M+2.0%	17M+1.5%	17M+22.7%	14M	8M	6M	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$68.0M+30.7%	$57.7M+25.6%	$56.5M+21.9%	$54.5M+27.0%	$52.0M+24.6%	$45.9M+13.6%	$46.3M+17.3%	$42.9M+15.5%
SG&A Expenses	$24.8M+36.4%	$24.8M+35.3%	$21.1M+24.0%	$19.6M+24.8%	$18.2M+14.2%	$18.3M+11.1%	$17.0M-35.6%	$15.7M-9.6%
Interest Expense	$45.7M+16.4%	$43.7M+15.2%	$39.9M-5.2%	$41.7M-1.6%	$39.3M-7.3%	$38.0M-6.9%	$42.1M+5.9%	$42.3M+24.1%
Income Tax	$5.5M+28.2%	$2.6M-30.1%	$3.6M-13.5%	$4.8M+36.9%	$4.3M+25.7%	$3.8M+45.6%	$4.2M+83.5%	$3.5M+143.6%
Net Income	$22.0M+31.3%	$16.4M+20.5%	$17.9M+30.3%	$18.1M+41.3%	$16.7M+55.1%	$13.6M+31.1%	$13.7M+41.7%	$12.8M+129.0%
EPS (Basic)	$1.25+11.6%	$1.03+14.4%	$1.21+33.0%	$1.22+43.5%	$1.12+60.0%	$0.90+32.4%	$0.91+46.8%	$0.85+165.6%
EPS (Diluted)	$1.08+12.5%	$0.88+12.8%	$1.02+29.1%	$1.03+39.2%	$0.96+52.4%	$0.78+27.9%	$0.79+38.6%	$0.74+131.3%
Diluted Shares (Avg)	20M+16.9%	19M+6.4%	N/A	18M+2.0%	17M+2.2%	17M+3.0%	N/A	17M+23.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TCBX Balance Sheet

TCBX quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Total Assets	$5.3B+8.1%	$4.9B+12.4%	$4.4B+16.5%	$3.8B+51.0%	$2.5B+33.9%	$1.9B	N/A
Cash & Equivalents	$175.2M-52.8%	$371.2M+25.0%	$296.9M-10.0%	$329.9M+1.0%	$326.7M+62.3%	$201.3M	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	N/A
Goodwill	$18.0M	N/A	$18.0M0.0%	$18.0M0.0%	$18.0M+0.2%	$18.0M	N/A
Total Liabilities	$4.8B+7.3%	$4.5B+12.5%	$4.0B+17.5%	$3.4B+54.1%	$2.2B+26.1%	$1.7B	N/A
Total Equity	$531.0M+15.3%	$460.7M+11.8%	$412.0M+7.9%	$381.8M+27.7%	$299.0M+148.3%	$120.4M+113.0%	$56.5M
Retained Earnings	$183.2M+50.6%	$121.7M+54.5%	$78.8M+47.9%	$53.3M+47.9%	$36.0M+46.4%	$24.6M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.7B+36.2%	$6.6B+34.4%	$5.3B+8.1%	$5.1B+9.4%	$4.9B+10.5%	$4.9B+5.1%	$4.9B+12.4%	$4.6B+9.8%
Cash & Equivalents	$404.2M+257.2%	$425.2M+94.2%	$175.2M-52.8%	$116.4M-54.9%	$113.1M-53.2%	$219.0M-40.5%	$371.2M+25.0%	$258.2M+81.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$46.1M	$46.4M	$18.0M	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$6.1B+36.4%	$5.9B+34.3%	$4.8B+7.3%	$4.5B+8.9%	$4.4B+10.1%	$4.4B+4.3%	$4.5B+12.5%	$4.2B+9.5%
Total Equity	$670.8M+35.2%	$650.5M+35.6%	$531.0M+15.3%	$513.8M+14.0%	$496.1M+14.0%	$479.8M+13.3%	$460.7M+11.8%	$450.5M+12.5%
Retained Earnings	$219.2M+46.5%	$198.4M+48.0%	$183.2M+50.6%	$166.5M+52.6%	$149.7M+53.4%	$134.1M+52.5%	$121.7M+54.5%	$109.2M+55.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

TCBX Cash Flow Statement

TCBX quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Operating Cash Flow	$32.7M	$50.8M+44.7%	$35.1M-10.1%	$39.1M+79.3%	$21.8M+375.4%	$4.6M+225.5%	-$3.7M-201.9%	$3.6M
Depreciation & Amortization	N/A	$4.7M+2.7%	$4.6M+17.1%	$3.9M+54.4%	$2.6M+1046.3%	-$270K-446.2%	$78K-91.0%	$869K
Stock-Based Compensation	N/A	$1.6M-5.4%	$1.7M+4.4%	$1.6M+27.7%	$1.3M+93.5%	$659K+139.6%	$275K+19.0%	$231K
Capital Expenditures	N/A	N/A	$1.8M-48.6%	$3.4M-71.8%	$12.2M+116.9%	$5.6M+315.1%	$1.4M-54.5%	$3.0M
Free Cash Flow	N/A	N/A	$33.4M-6.4%	$35.6M+271.2%	$9.6M+1026.8%	-$1.0M+79.3%	-$5.0M-919.6%	$611K
Investing Cash Flow	-$457.2M	-$610.2M-17.1%	-$520.9M+1.6%	-$529.5M+57.3%	-$1.2B-147.9%	-$500.1M0.0%	-$500.0M-310.9%	-$121.7M
Financing Cash Flow	$716.4M	$319.4M-35.5%	$495.1M-13.2%	$570.3M-53.4%	$1.2B+97.6%	$618.9M+1.3%	$611.2M+670.9%	$79.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$45.0M+224.0%	-$38.7M-469.5%	$5.7M+258.2%	$20.7M-5.8%	$13.9M+90.0%	$10.5M+11.1%	-$3.6M-120.7%	$22.0M+618.8%
Depreciation & Amortization	$1.3M+14.0%	$1.6M+31.5%	$1.2M-1.7%	$1.0M0.0%	$1.1M+21.7%	$1.2M+11.3%	$1.2M	$1.0M+10.2%
Stock-Based Compensation	$172K+31.3%	$425K+28.0%	N/A	$128K-10.5%	$131K+1.6%	$332K-6.7%	N/A	$143K+78.8%
Investing Cash Flow	-$168.0M+34.3%	$25.7M+164.9%	-$205.5M-28.5%	-$109.5M+20.7%	-$255.6M-427.9%	-$39.6M+77.3%	-$160.0M-217.7%	-$138.1M+39.2%
Financing Cash Flow	$102.6M+227.8%	$263.0M+519.7%	$257.9M-17.9%	$92.8M-30.0%	$31.3M+115.4%	-$62.7M-124.9%	$314.3M+98.8%	$132.6M-45.3%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.

TCBX Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBX quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Net Margin	31.7%+3.9pp	27.8%+5.2pp	22.6%+7.5pp	15.1%+3.1pp	12.0%-5.2pp	17.2%+10.4pp	6.8%
Return on Equity	12.5%+2.1pp	10.3%+2.2pp	8.1%+3.2pp	4.9%+1.1pp	3.8%-6.2pp	10.1%+5.8pp	4.2%
Return on Assets	1.2%+0.3pp	1.0%+0.2pp	0.8%+0.3pp	0.5%0.0pp	0.5%-0.2pp	0.7%	N/A
Debt-to-Equity	9.06-0.7x	9.73+0.1x	9.67+0.8x	8.88+1.5x	7.36-7.1x	14.50	N/A
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.04	N/A
FCF Margin	N/A	19.5%-4.6pp	24.1%+16.4pp	7.8%+8.8pp	-1.1%+6.0pp	-7.1%-8.8pp	1.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	32.3%+0.2pp	28.4%-1.2pp	31.7%+2.1pp	33.1%+3.4pp	32.2%+6.3pp	29.6%+3.9pp	29.6%+5.1pp	29.8%+14.8pp
Return on Equity	3.3%-0.1pp	2.5%-0.3pp	3.4%+0.4pp	3.5%+0.7pp	3.4%+0.9pp	2.8%+0.4pp	3.0%+0.6pp	2.8%+1.5pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.4%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp
Debt-to-Equity	9.04+0.1x	9.12-0.1x	9.06-0.7x	8.85-0.4x	8.96-0.3x	9.21-0.8x	9.73+0.1x	9.27-0.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Third Coast Bancshares, Inc. TCBX	FY2025	$208.9M	$66.3M	31.7%	$688.5M	54/100
Bar Harbor Bankshares BHB	FY2025	$168.9M	$36.9M	21.9%	$645.2M	47/100
GBank Financial Holdings Inc. GBFH	FY2025	$1.2B	$20.9M	1.7%	$255.5M	79/100
Guaranty Bancshares, Inc. GNTY	FY2024	$118.6M	$31.5M	26.6%	$553.2M	37/100
Peoples Financial Services Corp. PFIS	FY2025	$187.7M	$59.2M	31.5%	$691.4M	37/100
Northfield Bancorp, Inc. NFBK	FY2025	$154.3M	$796K	0.5%	$639.4M	29/100

Where Third Coast Bancshares, Inc. Ranks

Frequently Asked Questions

What is Third Coast Bancshares, Inc.'s annual revenue?

Third Coast Bancshares, Inc. (TCBX) reported $208.9M in total revenue for fiscal year 2025. This represents a 21.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Third Coast Bancshares, Inc.'s revenue growing?

Third Coast Bancshares, Inc. (TCBX) revenue grew by 21.9% year-over-year, from $171.4M to $208.9M in fiscal year 2025.

Is Third Coast Bancshares, Inc. profitable?

Yes, Third Coast Bancshares, Inc. (TCBX) reported a net income of $66.3M in fiscal year 2025, with a net profit margin of 31.7%.

What is Third Coast Bancshares, Inc.'s net profit margin?

Third Coast Bancshares, Inc. (TCBX) had a net profit margin of 31.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Third Coast Bancshares, Inc.'s return on equity (ROE)?

Third Coast Bancshares, Inc. (TCBX) has a return on equity of 12.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Third Coast Bancshares, Inc.'s operating cash flow?

Third Coast Bancshares, Inc. (TCBX) generated $50.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Third Coast Bancshares, Inc.'s total assets?

Third Coast Bancshares, Inc. (TCBX) had $5.3B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Third Coast Bancshares, Inc. have outstanding?

Third Coast Bancshares, Inc. (TCBX) had 17M shares outstanding as of fiscal year 2025.

What is Third Coast Bancshares, Inc.'s debt-to-equity ratio?

Third Coast Bancshares, Inc. (TCBX) had a debt-to-equity ratio of 9.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Third Coast Bancshares, Inc.'s return on assets (ROA)?

Third Coast Bancshares, Inc. (TCBX) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Third Coast Bancshares, Inc.'s P/E ratio?

Third Coast Bancshares, Inc. (TCBX) trades at 9.3x earnings, its market capitalization divided by net income of $74.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $688.5M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Third Coast Bancshares, Inc.'s price-to-sales ratio?

Third Coast Bancshares, Inc. (TCBX) trades at 2.9x sales, its market capitalization divided by revenue of $236.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $688.5M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Third Coast Bancshares, Inc.'s Piotroski F-Score?

Third Coast Bancshares, Inc. (TCBX) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Third Coast Bancshares, Inc.'s earnings high quality?

Third Coast Bancshares, Inc. (TCBX) has an earnings quality ratio of 0.77x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Third Coast Bancshares, Inc.?

Third Coast Bancshares, Inc. (TCBX) scores 54 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.