Third Coast Bancshares, Inc. cash flow to debt ratio of 37.12% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Third Coast Bancshares, Inc.'s free cash flow has increased 44.31% from $33.37M last year to $48.16M, signaling increasing performance

Third Coast Bancshares, Inc.'s debt to equity ratio is 0.21, which means that the company's assets are healthy financed, signaling financial stability.

Third Coast Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.29 last year to 0.21 today, signaling strengthened financials

Third Coast Bancshares, Inc. has a net cash position, so leverage is healthy.

Third Coast Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Third Coast Bancshares, Inc.'s profit margin has increased (52.86%) in the last year from 14.10% to 21.55%, signaling increasing performance

Third Coast Bancshares, Inc.'s short-term liabilities of $4.67B exceed its short-term assets of $428.62M, signaling financial risk

Third Coast Bancshares, Inc.'s return on assets of 1.10% is lower than the 5.00% threshold, indicating inefficient asset utilization

Third Coast Bancshares, Inc.'s return on equity of 12.56%, is lower than 15.00%, indicating bad performance

Third Coast Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Third Coast Bancshares, Inc. has insufficient public price history to evaluate earnings stability.

Third Coast Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Third Coast Bancshares, Inc. has a free cash flow yield of 7.71%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Third Coast Bancshares, Inc.'s yearly earnings has increased 39.06% since last year from $47.67M to $66.29M, signaling increasing performance

Third Coast Bancshares, Inc.'s yearly revenue has increased 8.54% since last year from $338.07M to $366.95M, signaling increasing performance

ROIC 4.39% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Third Coast Bancshares, Inc.'s 3-year revenue CAGR of 31.82% is positive, indicating growing revenue over the past 3 years

Third Coast Bancshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Third Coast Bancshares, Inc. has insufficient public price history to evaluate ROE consistency.

Third Coast Bancshares, Inc. has insufficient data to evaluate this check.

Third Coast Bancshares, Inc. has an earnings yield of 12.16%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Third Coast Bancshares, Inc. is undervalued relative to its fair value price of 48.30 based on EBITDA multiple model

Third Coast Bancshares, Inc. has an EV/EBITDA ratio of 4.02x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Third Coast Bancshares, Inc. has insufficient data to evaluate this check.

Third Coast Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued

Third Coast Bancshares, Inc. has a price-to-book ratio of 0.91x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Third Coast Bancshares, Inc. has a price-to-sales ratio of 1.77x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue