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Third Coast Bancshares (TCBX) Ratios
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Third Coast Bancshares Ratios
TCBX's free cash flow for Q3 2026 was $23.95M. For the 2026 fiscal year, TCBX's free cash flow was increased by $15.03M and operating cash flow was $8.92M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.09 | 0.18 | 0.13 | 0.16 | 0.17 |
| Quick Ratio | 0.09 | 0.18 | 0.13 | 0.16 | 0.17 |
| Cash Ratio | 0.04 | 0.09 | 0.08 | 0.10 | 0.15 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 1.34 | 1.14 | 1.01 | 0.71 | 4.58 |
| Net Current Asset Value | $ -4.38B | $ -3.70B | $ -3.49B | $ -2.87B | $ -1.84B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.03 | 0.03 | 0.03 | 0.00 |
| Debt-to-Equity Ratio | 0.26 | 0.29 | 0.34 | 0.34 | 0.00 |
| Debt-to-Capital Ratio | 0.21 | 0.22 | 0.26 | 0.25 | 0.00 |
| Long-Term Debt-to-Capital Ratio | 0.13 | 0.15 | 0.16 | 0.17 | 0.00 |
| Financial Leverage Ratio | 10.06 | 10.73 | 10.67 | 9.88 | 8.36 |
| Debt Service Coverage Ratio | 0.37 | 0.26 | 0.23 | 0.31 | 1.01 |
| Interest Coverage Ratio | 0.54 | 0.37 | 0.33 | 0.62 | 1.44 |
| Debt to Market Cap | 0.23 | 0.24 | 0.44 | 0.45 | 0.00 |
| Interest Debt Per Share | 21.43 | 21.96 | 19.78 | 12.40 | 1.40 |
| Net Debt to EBITDA | -0.43 | -3.62 | -3.41 | -7.79 | -22.93 |
| Profitability Margins | |||||
| Gross Profit Margin | 55.26% | 48.74% | 51.35% | 68.98% | 80.63% |
| EBIT Margin | 23.16% | 18.15% | 15.18% | 14.46% | 14.04% |
| EBITDA Margin | 24.46% | 19.51% | 16.62% | 16.06% | 13.77% |
| Operating Profit Margin | 23.16% | 18.15% | 15.18% | 14.46% | 14.04% |
| Pretax Profit Margin | 22.55% | 18.15% | 15.18% | 14.46% | 14.04% |
| Net Profit Margin | 18.07% | 14.10% | 12.19% | 11.65% | 11.07% |
| Continuous Operations Profit Margin | 18.07% | 14.10% | 12.19% | 11.65% | 11.07% |
| Net Income Per EBT | 80.11% | 77.70% | 80.27% | 80.54% | 78.88% |
| EBT Per EBIT | 97.36% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.24% | 0.96% | 0.76% | 0.49% | 0.46% |
| Return on Equity (ROE) | 12.48% | 10.35% | 8.11% | 4.89% | 3.82% |
| Return on Capital Employed (ROCE) | 12.68% | 10.31% | 7.58% | 4.60% | 4.06% |
| Return on Invested Capital (ROIC) | 9.62% | 7.62% | 5.68% | 3.49% | 3.19% |
| Return on Tangible Assets | 1.25% | 0.97% | 0.76% | 0.50% | 0.46% |
| Earnings Yield | 12.64% | 10.28% | 12.37% | 7.52% | 5.58% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.55 | 13.09 | 11.85 | 8.73 | 10.09 |
| Payables Turnover | 27.56 | 27.59 | 27.81 | 19.53 | 45.73 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 8.77 | 7.33 | 5.48 | 3.44 | 5.42 |
| Asset Turnover | 0.07 | 0.07 | 0.06 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.09 | -0.10 | -0.09 | -0.07 | -0.07 |
| Cash Conversion Cycle | 15.84 | 14.65 | 17.67 | 23.10 | 28.20 |
| Days of Sales Outstanding | 29.08 | 27.88 | 30.79 | 41.79 | 36.18 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 13.25 | 13.23 | 13.12 | 18.69 | 7.98 |
| Operating Cycle | 29.08 | 27.88 | 30.79 | 41.79 | 36.18 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.68 | 2.57 | 2.88 | 1.62 | 0.58 |
| Free Cash Flow Per Share | 3.49 | 2.44 | 2.62 | 0.71 | -0.13 |
| Dividend Paid and CapEx Coverage Ratio | 6.84 | 5.39 | 4.78 | 1.76 | 0.82 |
| Capital Expenditure Coverage Ratio | 18.96 | 19.90 | 11.37 | 1.79 | 0.82 |
| Operating Cash Flow Coverage Ratio | 0.37 | 0.27 | 0.28 | 0.17 | 4.58 |
| Operating Cash Flow to Sales Ratio | 0.14 | 0.10 | 0.14 | 0.14 | 0.04 |
| Free Cash Flow Yield | 9.18% | 7.19% | 13.20% | 3.87% | -0.51% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.54 | 10.81 | 8.08 | 13.30 | 17.91 |
| Price-to-Sales (P/S) Ratio | 1.43 | 1.37 | 0.98 | 1.55 | 1.98 |
| Price-to-Book (P/B) Ratio | 0.99 | 1.01 | 0.66 | 0.65 | 0.68 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 10.89 | 13.90 | 7.57 | 25.84 | -197.46 |
| Price-to-Operating Cash Flow Ratio | 10.32 | 13.20 | 6.91 | 11.39 | 44.63 |
| Price-to-Earnings Growth (PEG) Ratio | 0.20 | 0.22 | 0.12 | -1.13 | -0.71 |
| Enterprise Value Multiple | 5.42 | 3.41 | 2.52 | 1.86 | -8.53 |
| Enterprise Value | 486.12M | 224.95M | 114.70M | 47.73M | -121.30M |
| EV to EBITDA | 5.42 | 3.41 | 2.52 | 1.86 | -8.53 |
| EV to Sales | 1.32 | 0.67 | 0.42 | 0.30 | -1.18 |
| EV to Free Cash Flow | 10.09 | 6.74 | 3.22 | 4.97 | 117.08 |
| EV to Operating Cash Flow | 9.56 | 6.40 | 2.94 | 2.19 | -26.46 |
| Tangible Book Value Per Share | 37.12 | 32.34 | 28.93 | 26.93 | 35.52 |
| Shareholders’ Equity Per Share | 38.47 | 33.72 | 30.33 | 28.35 | 37.97 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.22 | 0.20 | 0.19 | 0.21 |
| Revenue Per Share | 26.59 | 24.74 | 20.18 | 11.90 | 13.10 |
| Net Income Per Share | 4.80 | 3.49 | 2.46 | 1.39 | 1.45 |
| Tax Burden | 0.80 | 0.78 | 0.80 | 0.81 | 0.79 |
| Interest Burden | 0.97 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.22 | 0.20 | 0.23 | 0.35 | 0.47 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 0.77 | 0.74 | 1.17 | 1.17 | 0.40 |
Currency in USD
