Third Coast Bancshares, Inc. — Earnings Quality Grade B
TCBX · Financial Services
Generally healthy
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 51 days, change -4 days YoY
AR growth 13.2% vs revenue growth 21.9%
Revenue 21.9%, CFFO 44.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 51.8% is >2x revenue growth 21.9%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.77. Below 1.0
FCF $0.0B, FCF/NI = 0.73
Accruals ratio = 0.3%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Third Coast Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25