Source SEC Filings (10-K/10-Q)Updated Dec 31, 2025Currency USDFYE December
This page shows Third Coast Bancshares, Inc. (TCBX) financial statements, including the
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).
Financial Health Signals
Piotroski F-ScoreWeak
3/9
Third Coast Bancshares, Inc. passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).
Earnings QualityMixed
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.
Third Coast Bancshares, Inc. reported $66.3M in net income in fiscal year 2025. This represents an increase of 39.1% from the prior year.
EPS (Diluted)
$3.79
YoY+36.3%
5Y CAGR+14.7%
Third Coast Bancshares, Inc. earned $3.79 per diluted share (EPS) in fiscal year 2025. This represents an increase of 36.3% from the prior year.
Cash & Balance Sheet
Free Cash Flow
N/A
Cash & Debt
$175.2M
YoY-52.8%
5Y CAGR-2.7%
Third Coast Bancshares, Inc. held $175.2M in cash against $0 in long-term debt as of fiscal year 2025.
Dividends Per Share
N/A
Shares Outstanding
14M
YoY+0.9%
5Y CAGR+17.2%
Third Coast Bancshares, Inc. had 14M shares outstanding in fiscal year 2025. This represents an increase of 0.9% from the prior year.
Margins & Returns
Gross Margin
N/A
Operating Margin
N/A
Net Margin
N/A
Return on Equity
12.5%
YoY+2.1pp
5Y CAGR+2.4pp
Third Coast Bancshares, Inc.'s ROE was 12.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the prior year.
Yes, Third Coast Bancshares, Inc. (TCBX) reported a net income of $66.3M in fiscal year 2025.
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.
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 14M 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 Piotroski F-Score?
Third Coast Bancshares, Inc. (TCBX) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 7–9 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.
