Stocktoria
Third Coast Bancshares, Inc. TCBX
NYSE · XNYS · stock · Savings Institutions, Not Federally Chartered · website · IPO 2021-11-09
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3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $66.3M | $47.7M | $33.4M | $18.7M | $11.4M |
| Operating cash flow | $50.8M | $35.1M | $39.1M | $21.8M | $4.6M |
| Free cash flow | — | $33.4M | $35.6M | $9.6M | -$1.0M |
| Total assets | $5.3B | $4.9B | $4.4B | $3.8B | $2.5B |
| Total liabilities | $4.8B | $4.5B | $4.0B | $3.4B | $2.2B |
| Shareholders' equity | $531.0M | $460.7M | $412.0M | $381.8M | $299.0M |
| Ratios | |||||
| Return on assets | 1.2% | 1.0% | 0.8% | 0.5% | 0.5% |
| Return on equity | 12.5% | 10.3% | 8.1% | 4.9% | 3.8% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 44,900 | $1.7M |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001781730 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.