Last 21 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Third Coast Bancshares, Inc.'s quarterly P/E stands at 9.3x, down 21.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 60.9% YoY to 5.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.58 | 9.32 | 9.22 | 9.18 | 11.75 | 11.79 | 9.99 | 9.50 | 9.27 | 9.94 | 13.36 | 7.49 | 7.14 |
| — | -21.0% | -7.7% | -3.4% | +26.8% | +18.7% | -25.2% | +26.8% | +29.8% | -5.1% | +53.0% | -78.1% | -81.5% | |
| P/S Ratio | 1.51 | 1.61 | 1.73 | 1.57 | 1.74 | 1.67 | 1.35 | 1.08 | 1.05 | 1.06 | 0.84 | 1.03 | 1.11 |
| — | -3.5% | +28.0% | +45.2% | +66.3% | +57.8% | +61.9% | +4.4% | -5.9% | -11.7% | -35.2% | -54.7% | -60.0% | |
| P/B Ratio | 1.24 | 1.17 | 1.30 | 1.15 | 1.21 | 1.28 | 1.02 | 0.83 | 0.80 | 0.81 | 0.59 | 0.68 | 0.68 |
| — | -8.6% | +26.9% | +38.0% | +51.6% | +57.3% | +72.3% | +23.2% | +17.4% | +22.6% | -4.7% | -32.6% | -35.4% | |
| P/FCF | 11.52 | 34.57 | 8.36 | 10.46 | 14.57 | — | 5.24 | 14.53 | 8.99 | 4.90 | 31.68 | 7.12 | 9.08 |
| — | — | +59.4% | -28.0% | +62.1% | — | -83.4% | +103.9% | -0.9% | -83.2% | +297.2% | -85.6% | — | |
| EV / EBITDA | 5.73 | 5.78 | 7.09 | 6.61 | 6.67 | 3.59 | 5.50 | 4.21 | 2.09 | 3.93 | 8.64 | 3.49 | 1.83 |
| — | +60.9% | +29.1% | +57.0% | +218.8% | -8.7% | -36.4% | +20.8% | +14.0% | +182.1% | +106.7% | -54.2% | -42.3% | |
| EV / EBIT | 6.07 | 6.14 | 7.46 | 6.98 | 7.13 | 4.90 | 5.16 | 4.56 | 2.27 | 3.77 | 8.33 | 3.51 | 1.87 |
| — | +25.2% | +44.7% | +53.2% | +214.7% | +30.2% | -38.1% | +29.9% | +21.2% | +164.3% | +114.3% | -58.0% | -31.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Third Coast Bancshares, Inc.'s operating margin was 24.7% in Q4 2025, up 0.9 pp QoQ and up 4.3 pp YoY. This marks the 10th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 23.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 15.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.3% | 58.6% | 53.8% | 54.4% | 54.0% | 51.0% | 48.9% | 47.2% | 47.7% | 48.4% | 48.2% | 53.6% | 56.6% |
| — | +15.0% | +9.9% | +15.3% | +13.3% | +5.4% | +1.4% | -11.9% | -15.7% | -19.8% | -28.7% | -29.0% | -28.4% | |
| Operating Margin | 23.2% | 24.7% | 23.8% | 23.2% | 20.7% | 20.3% | 19.1% | 17.0% | 16.0% | 15.1% | 9.9% | 17.2% | 19.4% |
| — | +21.4% | +24.2% | +36.6% | +29.8% | +34.2% | +93.7% | -1.5% | -17.5% | -14.4% | -45.8% | +98.1% | +105.3% | |
| Net Margin | 18.1% | 18.6% | 18.8% | 18.4% | 16.3% | 15.6% | 15.0% | 12.9% | 12.8% | 12.3% | 7.9% | 13.7% | 15.6% |
| — | +19.3% | +25.0% | +43.1% | +27.0% | +27.1% | +91.2% | -6.3% | -17.9% | -14.1% | -47.4% | +100.0% | +113.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.4% | 3.4% | 3.6% | 3.4% | 2.9% | 3.0% | 2.9% | 2.5% | 2.5% | 2.4% | 1.4% | 2.3% | 2.4% |
| — | +13.7% | +23.9% | +36.5% | +16.5% | +26.3% | +105.9% | +10.7% | +3.2% | +20.2% | -29.8% | +200.8% | +245.8% | |
| ROA | 1.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% |
| — | +19.9% | +28.6% | +44.0% | +20.7% | +27.6% | +105.8% | +4.0% | -5.5% | +9.0% | -30.7% | +219.2% | +221.6% | |
| ROIC | 10.1% | 2.7% | 2.7% | 2.5% | 2.2% | 2.3% | 2.1% | 1.9% | 1.7% | 1.6% | 1.0% | 1.6% | 1.7% |
| — | +18.8% | +27.7% | +36.7% | +24.9% | +38.8% | +113.9% | +16.9% | +3.3% | +17.4% | -28.5% | +193.7% | +182.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Third Coast Bancshares, Inc.'s Debt/EBITDA ratio is 5.4x — elevated, raising questions about debt serviceability. The current ratio has weakened 48.9% YoY to 0.09x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.26 | 0.26 | 0.26 | 0.27 | 0.28 | 0.29 | 0.30 | 0.32 | 0.34 | 0.34 | 0.35 | 0.34 | 0.34 |
| — | -10.3% | -13.3% | -17.3% | -20.2% | -16.4% | -13.9% | -5.1% | +1.8% | +1.5% | +17.0% | -8.3% | +25.2% | |
| Debt / EBITDA | 1.52 | 5.42 | 5.52 | 5.92 | 7.12 | 5.41 | 8.78 | 9.06 | 10.42 | 12.36 | 20.48 | 11.93 | 11.20 |
| — | +0.2% | -37.2% | -34.7% | -31.6% | -56.2% | -57.1% | -24.0% | -6.9% | -9.0% | +41.5% | -66.1% | -68.3% | |
| Current Ratio | 0.09 | 0.09 | 0.12 | 0.08 | 0.12 | 0.18 | 0.14 | 0.14 | 0.16 | 0.13 | 0.10 | 0.13 | 0.15 |
| — | -48.9% | -16.1% | -41.7% | -25.5% | +38.8% | +44.1% | +7.0% | +3.0% | -19.2% | -23.9% | -19.9% | -22.9% | |
| Quick Ratio | 0.09 | 0.09 | 0.12 | 0.08 | 0.12 | 0.18 | 0.14 | 0.14 | 0.16 | 0.13 | 0.10 | 0.13 | 0.15 |
| — | -48.9% | -16.1% | -41.7% | -25.5% | +38.8% | +44.1% | +7.0% | +3.0% | -19.2% | -23.9% | -19.9% | -22.9% | |
| Interest Coverage | 0.54 | 0.60 | 0.55 | 0.54 | 0.46 | 0.43 | 0.38 | 0.34 | 0.32 | 0.30 | 0.21 | 0.39 | 0.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 21 years · Updated daily
Total return calculator · dividends reinvested
Calculate ReturnsDollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Compare NowQuick answers to the most common questions about buying TCBX stock.
Third Coast Bancshares, Inc.'s current P/E is 10.6x. The average P/E over the last 4 quarters is 9.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Third Coast Bancshares, Inc.'s current operating margin is 23.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Third Coast Bancshares, Inc.'s business trajectory between earnings reports.