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Third Coast Bancshares (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 Q2 2026 was $0.13. For the 2026 fiscal year, TCBX's free cash flow was decreased by $ and operating cash flow was $-0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.18 0.09 0.18 0.13 0.16
Quick Ratio
 0.18 0.09 0.18 0.13 0.16
Cash Ratio
 0.07 0.04 0.09 0.08 0.10
Solvency Ratio
 0.01 0.01 0.01 <0.01 <0.01
Operating Cash Flow Ratio
 <0.01 0.01 <0.01 0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.54 1.34 1.14 1.01 0.71
Net Current Asset Value
$ -5.03B$ -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
 0.21 0.26 0.29 0.34 0.34
Debt-to-Capital Ratio
 0.17 0.21 0.22 0.26 0.25
Long-Term Debt-to-Capital Ratio
 0.11 0.13 0.15 0.16 0.17
Financial Leverage Ratio
 10.04 10.06 10.73 10.67 9.88
Debt Service Coverage Ratio
 0.14 0.37 0.26 0.23 0.31
Interest Coverage Ratio
 0.27 0.54 0.37 0.33 0.62
Debt to Market Cap
 0.22 0.23 0.24 0.44 0.45
Interest Debt Per Share
 22.64 21.43 21.96 19.78 12.40
Net Debt to EBITDA
 -5.33 -0.43 -3.62 -3.41 -7.79
Profitability Margins
Gross Profit Margin
49.83%55.26%48.74%51.35%68.98%
EBIT Margin
13.52%23.16%18.15%15.18%14.46%
EBITDA Margin
14.29%24.54%19.51%16.62%16.06%
Operating Profit Margin
13.52%23.16%18.15%15.18%14.46%
Pretax Profit Margin
26.35%22.55%18.15%15.18%14.46%
Net Profit Margin
21.55%18.07%14.10%12.19%11.65%
Continuous Operations Profit Margin
21.55%18.07%14.10%12.19%11.65%
Net Income Per EBT
81.80%80.11%77.70%80.27%80.54%
EBT Per EBIT
194.97%97.36%100.00%100.00%100.00%
Return on Assets (ROA)
1.10%1.24%0.96%0.76%0.49%
Return on Equity (ROE)
12.56%12.48%10.35%8.11%4.89%
Return on Capital Employed (ROCE)
5.71%12.68%10.31%7.58%4.60%
Return on Invested Capital (ROIC)
4.39%9.62%7.62%5.68%3.49%
Return on Tangible Assets
1.11%1.25%0.97%0.76%0.50%
Earnings Yield
11.86%12.64%10.28%12.37%7.52%
Efficiency Ratios
Receivables Turnover
 11.38 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
 6.03 8.77 7.33 5.48 3.44
Asset Turnover
 0.05 0.07 0.07 0.06 0.04
Working Capital Turnover Ratio
 -0.07 -0.09 -0.10 -0.09 -0.07
Cash Conversion Cycle
 32.09 15.84 14.65 17.67 23.10
Days of Sales Outstanding
 32.09 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
 32.09 29.08 27.88 30.79 41.79
Cash Flow Ratios
Operating Cash Flow Per Share
 2.37 3.68 2.57 2.88 1.62
Free Cash Flow Per Share
 1.14 3.49 2.44 2.62 0.71
CapEx Per Share
 1.23 0.19 0.13 0.25 0.91
Free Cash Flow to Operating Cash Flow
 0.48 0.95 0.95 0.91 0.44
Dividend Paid and CapEx Coverage Ratio
 1.51 6.84 5.39 4.78 1.76
Capital Expenditure Coverage Ratio
 1.93 18.96 19.90 11.37 1.79
Operating Cash Flow Coverage Ratio
 0.23 0.37 0.27 0.28 0.17
Operating Cash Flow to Sales Ratio
 0.09 0.14 0.10 0.14 0.14
Free Cash Flow Yield
2.47%9.18%7.19%13.20%3.87%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.63 8.54 10.81 8.08 13.30
Price-to-Sales (P/S) Ratio
 1.86 1.43 1.37 0.98 1.55
Price-to-Book (P/B) Ratio
 0.93 0.99 1.01 0.66 0.65
Price-to-Free Cash Flow (P/FCF) Ratio
 40.54 10.89 13.90 7.57 25.84
Price-to-Operating Cash Flow Ratio
 19.13 10.32 13.20 6.91 11.39
Price-to-Earnings Growth (PEG) Ratio
 0.40 0.20 0.22 0.12 -1.13
Price-to-Fair Value
 0.93 0.99 1.01 0.66 0.65
Enterprise Value Multiple
 7.65 5.40 3.41 2.52 1.86
Enterprise Value
 377.18M 486.12M 224.95M 114.70M 47.73M
EV to EBITDA
 7.65 5.40 3.41 2.52 1.86
EV to Sales
 1.09 1.32 0.67 0.42 0.30
EV to Free Cash Flow
 23.90 10.09 6.74 3.22 4.97
EV to Operating Cash Flow
 11.52 9.56 6.40 2.94 2.19
Tangible Book Value Per Share
 44.68 37.12 32.34 28.93 26.93
Shareholders’ Equity Per Share
 48.60 38.47 33.72 30.33 28.35
Tax and Other Ratios
Effective Tax Rate
 0.18 0.20 0.22 0.20 0.19
Revenue Per Share
 24.98 26.59 24.74 20.18 11.90
Net Income Per Share
 5.38 4.80 3.49 2.46 1.39
Tax Burden
 0.82 0.80 0.78 0.80 0.81
Interest Burden
 1.95 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
 0.27 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
 0.44 0.77 0.74 1.17 1.17
Currency in USD