What is Third Coast Bancshares, Inc.'s free cash flow margin?

Third Coast Bancshares, Inc. (TCBX) reported free cash flow margin of -6.6% in Q1 2026.

What is the long-term trend for Third Coast Bancshares, Inc.'s free cash flow margin?

Over 3 years (2020 to 2025), Third Coast Bancshares, Inc.'s free cash flow margin has grown at a 48.1% compound annual growth rate (CAGR), from -7.1% to 23.1%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Third Coast Bancshares, Inc. TCBX Free cash flow margin

Free cash flow margin at other companies

Cullen/Frost BankersCFR

3.5%—

Prosperity BancsharesPB

40%—

CTB

Community Trust BancorpCTBI

34.7%-7.4pp

Shore BancsharesSHBI

28.9%—

City Holding CompanyCHCO

42.2%-1.4pp

Bank First CorporationBFC

15.5%-22.6pp

Other financials

Income statement

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Revenue$57.7M+25.6%

Net income$16.4M+20.5%

EPS (diluted)$0.88+12.8%

Balance sheet

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Cash & equivalents$425.2M+94.2%

Total debt$18.7M-8.6%

Total assets$6.6B+34.4%

Cash flow

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Operating cash flow-$38.7M-469%

CapEx$14.1M+2,783%

Free cash flow-$52.8M-629%

Valuation

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Market cap$669.49M+57.7%

Enterprise value$262.99M+16.4%

P/E9.7×+1.4×

P/S3×+0.6×

Profitability

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Net margin31.3%+2.5pp

Where this comes from

Calculated from Third Coast Bancshares, Inc.’s reported figures.

free cash flow/total revenue=-6.6%

Based on trailing twelve months.

The official record: Third Coast Bancshares, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Third Coast Bancshares, Inc.'s free cash flow margin?: Third Coast Bancshares, Inc. (TCBX) reported free cash flow margin of -6.6% in Q1 2026.
What is the long-term trend for Third Coast Bancshares, Inc.'s free cash flow margin?: Over 3 years (2020 to 2025), Third Coast Bancshares, Inc.'s free cash flow margin has grown at a 48.1% compound annual growth rate (CAGR), from -7.1% to 23.1%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.