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Third Coast Bancshares Inc (TCBX)
NYSE:TCBX
US Market
TCBX
Third Coast Bancshares
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Third Coast Bancshares (TCBX) Ratios

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Third Coast Bancshares Ratios

TCBX's free cash flow for Q1 2026 was $0.55. For the 2026 fiscal year, TCBX's free cash flow was decreased by $ and operating cash flow was $0.05. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 172.55 0.09 0.18 0.13 0.16
Quick Ratio
 172.55 0.09 0.18 0.13 0.16
Cash Ratio
 160.69 0.04 0.09 0.08 0.10
Solvency Ratio
 0.02 0.01 0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.63 0.01 <0.01 0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.63 1.34 1.14 1.01 0.71
Net Current Asset Value
$ -5.47B$ -4.38B$ -3.70B$ -3.49B$ -2.87B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.03 0.03 0.03 0.03
Debt-to-Equity Ratio
 0.24 0.26 0.29 0.34 0.34
Debt-to-Capital Ratio
 0.19 0.21 0.22 0.26 0.25
Long-Term Debt-to-Capital Ratio
 0.18 0.13 0.15 0.16 0.17
Financial Leverage Ratio
 10.12 10.06 10.73 10.67 9.88
Debt Service Coverage Ratio
 0.22 0.37 0.26 0.23 0.31
Interest Coverage Ratio
 0.55 0.54 0.37 0.33 0.62
Debt to Market Cap
 0.26 0.23 0.24 0.44 0.45
Interest Debt Per Share
 31.68 21.43 21.96 19.78 12.40
Net Debt to EBITDA
 -2.91 -0.43 -3.62 -3.41 -7.79
Profitability Margins
Gross Profit Margin
55.13%55.26%48.74%51.35%68.98%
EBIT Margin
13.31%23.16%18.15%15.18%14.46%
EBITDA Margin
14.14%24.54%19.51%16.62%16.06%
Operating Profit Margin
23.47%23.16%18.15%15.18%14.46%
Pretax Profit Margin
22.76%22.55%18.15%15.18%14.46%
Net Profit Margin
18.28%18.07%14.10%12.19%11.65%
Continuous Operations Profit Margin
18.28%18.07%14.10%12.19%11.65%
Net Income Per EBT
80.32%80.11%77.70%80.27%80.54%
EBT Per EBIT
96.94%97.36%100.00%100.00%100.00%
Return on Assets (ROA)
1.81%1.24%0.96%0.76%0.49%
Return on Equity (ROE)
21.72%12.48%10.35%8.11%4.89%
Return on Capital Employed (ROCE)
2.32%12.68%10.31%7.58%4.60%
Return on Invested Capital (ROIC)
1.86%9.62%7.62%5.68%3.49%
Return on Tangible Assets
1.82%1.25%0.97%0.76%0.50%
Earnings Yield
22.40%12.64%10.28%12.37%7.52%
Efficiency Ratios
Receivables Turnover
 20.74 12.55 13.09 11.85 8.73
Payables Turnover
 0.00 27.56 27.59 27.81 19.53
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 11.19 8.77 7.33 5.48 3.44
Asset Turnover
 0.10 0.07 0.07 0.06 0.04
Working Capital Turnover Ratio
 -0.34 -0.09 -0.10 -0.09 -0.07
Cash Conversion Cycle
 17.60 15.84 14.65 17.67 23.10
Days of Sales Outstanding
 17.60 29.08 27.88 30.79 41.79
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 13.25 13.23 13.12 18.69
Operating Cycle
 17.60 29.08 27.88 30.79 41.79
Cash Flow Ratios
Operating Cash Flow Per Share
 0.12 3.68 2.57 2.88 1.62
Free Cash Flow Per Share
 -1.06 3.49 2.44 2.62 0.71
CapEx Per Share
 1.18 0.19 0.13 0.25 0.91
Free Cash Flow to Operating Cash Flow
 -8.82 0.95 0.95 0.91 0.44
Dividend Paid and CapEx Coverage Ratio
 0.08 6.84 5.39 4.78 1.76
Capital Expenditure Coverage Ratio
 0.10 18.96 19.90 11.37 1.79
Operating Cash Flow Coverage Ratio
 0.01 0.37 0.27 0.28 0.17
Operating Cash Flow to Sales Ratio
 <0.01 0.14 0.10 0.14 0.14
Free Cash Flow Yield
-2.70%9.18%7.19%13.20%3.87%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 4.46 7.91 9.73 8.08 13.30
Price-to-Sales (P/S) Ratio
 0.83 1.43 1.37 0.98 1.55
Price-to-Book (P/B) Ratio
 0.82 0.99 1.01 0.66 0.65
Price-to-Free Cash Flow (P/FCF) Ratio
 -37.03 10.89 13.90 7.57 25.84
Price-to-Operating Cash Flow Ratio
 319.56 10.32 13.20 6.91 11.39
Price-to-Earnings Growth (PEG) Ratio
 0.12 0.19 0.20 0.12 -1.13
Price-to-Fair Value
 0.82 0.99 1.01 0.66 0.65
Enterprise Value Multiple
 2.99 5.40 3.41 2.52 1.86
Enterprise Value
 275.00M 486.12M 224.95M 114.70M 47.73M
EV to EBITDA
 2.99 5.40 3.41 2.52 1.86
EV to Sales
 0.42 1.32 0.67 0.42 0.30
EV to Free Cash Flow
 -18.77 10.09 6.74 3.22 4.97
EV to Operating Cash Flow
 165.46 9.56 6.40 2.94 2.19
Tangible Book Value Per Share
 43.16 37.12 32.34 28.93 26.93
Shareholders’ Equity Per Share
 47.13 38.47 33.72 30.33 28.35
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.22 0.20 0.19
Revenue Per Share
 47.17 26.59 24.74 20.18 11.90
Net Income Per Share
 8.62 4.80 3.49 2.46 1.39
Tax Burden
 0.80 0.80 0.78 0.80 0.81
Interest Burden
 1.71 0.97 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.25 0.22 0.20 0.23 0.35
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 0.02 0.77 0.74 1.17 1.17
Currency in USD