ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Third Coast Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 42.93%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 59.97%
3
The company has declared Positive results for the last 11 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 42.76 MM
- ROCE(HY) Highest at 1.21%
- OPERATING PROFIT MARGIN(Q) Highest at 23.86 %
4
With ROA of 0.57%, it has a attractive valuation with a 0.89 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 6.27%, its profits have risen by 47.4% ; the PEG ratio of the company is 0.2
5
High Institutional Holdings at 64.21%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.54% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Third Coast Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Third Coast Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Third Coast Bancshares, Inc.
12.12%
2.81
33.11%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
61.56%
EBIT Growth (5y)
61.74%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
64.21%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.89
EV to EBIT
3.17
EV to EBITDA
2.96
EV to Capital Employed
0.79
EV to Sales
0.59
PEG Ratio
0.18
Dividend Yield
NA
ROCE (Latest)
25.06%
ROE (Latest)
10.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 42.76 MM
ROCE(HY)
Highest at 1.21%
OPERATING PROFIT MARGIN(Q)
Highest at 23.86 %
NII(Q)
Highest at USD 49.37 MM
NET SALES(Q)
Highest at USD 88.66 MM
OPERATING PROFIT(Q)
Highest at USD 21.16 MM
PRE-TAX PROFIT(Q)
Highest at USD 21.05 MM
NET PROFIT(Q)
Highest at USD 16.75 MM
EPS(Q)
Highest at USD 0.89
-2What is not working for the Company
ROCE(HY)
Lowest at 1.21%
Here's what is working for Third Coast Bancshares, Inc.
Operating Cash Flow
Highest at USD 42.76 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit Margin
Highest at 23.86 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
NII
Highest at USD 49.37 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 88.66 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 21.16 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 21.05 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 16.75 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 16.75 MM has Grown at 55.12%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.89
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 10.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
