Third Coast Bancshares, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Brookline Bancorp, Inc.

TrustCo Bank Corp. NY

Southern Missouri Bancorp, Inc.

Greene County Bancorp, Inc.

Kearny Financial Corp.

Third Coast Bancshares, Inc.

OceanFirst Financial Corp.

Northfield Bancorp, Inc. (New Jersey)

Provident Financial Services, Inc.

Capitol Federal Financial, Inc.

Hingham Institution for Savings

Why is Third Coast Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 21.78%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 55.22%

Flat results in Mar 26

OPERATING CASH FLOW(Y) Lowest at USD 1.66 MM
GROSS NPA (%)(Q) Highest at 0.68%
CREDIT DEPOSIT RATIO(HY) Lowest at 91.89%

With ROA of 0.67%, it has a attractive valuation with a 1.16 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 29.89%, its profits have risen by 39.1% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 58.16%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you hold?

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.

29.89%

3.31

28.97%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

36.96%

EBIT Growth (5y)

57.92%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

58.16%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.16

EV to EBIT

6.85

EV to EBITDA

6.50

EV to Capital Employed

1.19

EV to Sales

1.52

PEG Ratio

0.25

Dividend Yield

ROCE (Latest)

17.34%

ROE (Latest)

12.48%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

NII(Q)

Highest at USD 53.65 MM

NET SALES(Q)

Highest at USD 97.39 MM

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 1.66 MM

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Lowest at 91.89%

OPERATING PROFIT MARGIN(Q)

Lowest at 19.52 %

Here's what is working for Third Coast Bancshares, Inc.

NII

Highest at USD 53.65 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 97.39 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Depreciation

Highest at USD 1.51 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Depreciation

At USD 1.51 MM has Grown at 45.05%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (USD MM)

Here's what is not working for Third Coast Bancshares, Inc.

Operating Cash Flow

Lowest at USD 1.66 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 0.68%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Profit Margin

Lowest at 19.52 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Credit Deposit Ratio

Lowest at 91.89%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 9.96%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)