EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Third Coast Bancshares's Enterprise Value is $402.5 Mil.
Third Coast Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-14.7 Mil. Therefore, Third Coast Bancshares's EV-to-FCF for today is -27.47.
The historical rank and industry rank for Third Coast Bancshares's EV-to-FCF or its related term are showing as below:
TCBX'
s EV-to-FCF Range Over the Past 10 Years
Min: -1914.24 Med: 9.33 Max: 254.66
Current: -27.47
During the past 7 years, the highest EV-to-FCF of Third Coast Bancshares was 254.66. The lowest was -1914.24. And the median was 9.33.
TCBX's EV-to-FCF is ranked worse than 100% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs TCBX: -27.47
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Third Coast Bancshares (NYSE:TCBX) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Third Coast Bancshares's PE Ratio (TTM) for today is calculated as:
Third Coast Bancshares's share price for today is $40.40.
Third Coast Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.890.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Third Coast Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Third Coast Bancshares EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Third Coast Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Third Coast Bancshares's EV-to-FCF falls into.
Third Coast Bancshares's current Enterprise Value is $402.5 Mil.
Third Coast Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-14.7 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Third Coast Bancshares (TCBX) has a EV-to-FCF of -27.47 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Third Coast Bancshares and its competitors. According to the industry distribution chart, Third Coast Bancshares ranks #999999 out of 1196 companies in the Banks industry.
Is Third Coast Bancshares' EV-to-FCF too high?
Third Coast Bancshares' current EV-to-FCF is -27.47. Based on the distribution chart, Third Coast Bancshares ranks #999999 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Third Coast Bancshares has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Third Coast Bancshares' EV-to-FCF compare to AROW and HIFS?
According to the Banks industry distribution chart, Third Coast Bancshares ranks #999999 out of 1196 companies for EV-to-FCF. This places Third Coast Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.55, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Third Coast Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Coast Bancshares's current EV-to-FCF is -27.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Third Coast Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Third Coast Bancshares (TCBX) is currently considered Fairly Valued. The stock's GF Value™ is $37.26, compared to a current price of $40.40 — trading 8.4% above its estimated fair value. The current EV-to-FCF is -27.47. Third Coast Bancshares' overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Third Coast Bancshares (TCBX), the current EV-to-FCF is -27.47 as of Jun. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Third Coast Bancshares (TCBX) Overvalued in 2026?
Based on GuruFocus' analysis, Third Coast Bancshares stock appears to be overvalued.
The current stock price of $40.40 is trading 8.4% above its estimated GF Value™ of $37.26.
GuruFocus considers Third Coast Bancshares to be Fairly Valued.
Key valuation signals for TCBX:
EV-to-FCF: -27.47
GF Value™: $37.26 vs. price of $40.40 (8.4% above fair value)
No single metric tells the full story. See the TCBX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Third Coast Bancshares Inc is a bank holding company. It focuses on providing commercial banking solutions to small and medium-sized businesses and professionals with operations in its markets. The bank operates twenty branches in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets, one branch in Ballinger, Texas, and one branch in Detroit, Texas. The company operates through one segment, community banking, It generates the majority of its revenue from interest on loans, customer service, and loan fees.
56GF Score
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