TCBX PEER ANALYSIS

Third Coast Bancshares, Inc. — metric-by-metric comparison with peers and the industry median

TCBXThird Coast Bancshares, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

TCBXIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	TCBX	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
P/E	9.48	2.96●	9.16	13.38	20.06	15.65	12.88
P/B	1.01	0.71●	1.41	1.41	3.18	3.99	1.29
EV/EBITDA	0.84	2.21	-8.43	14.82	1.78	-9.21●	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	TCBX	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Current Ratio	0.13	—	0.25●	0.12	—	—	0.31
Debt/Equity	24.2%	0.0%●	17.0%	209.8%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-6.27	-0.47	-14.68	5.39	-13.41	-20.34●	-0.58

Profitability
Metric	TCBX	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Net Margin	18.0%	54.9%●	20.1%	25.9%	14.2%	24.7%	20.6%
ROE	12.2%	27.4%	14.9%	10.6%	17.5%	28.9%●	10.9%
ROA	1.2%	3.7%●	0.8%	0.5%	1.2%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	TCBX	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	35.7%●	-1.3%	16.0%	16.2%	8.1%	—	19.4%
Div. Yield	0.7%	—	4.8%●	3.2%	—	—	2.5%
Payout	6.9%	—	—	—	—	—	31.4%

Valuation
Metric	TCBX	FMNB	MSBI	PFIS	AROW	BHB	Ind. Median
P/E	9.48●	11.47	18.39	11.42	13.25	15.72	12.88
P/B	1.01	0.86●	1.16	1.28	1.54	1.18	1.29
EV/EBITDA	0.84	14.05	-6.60●	11.18	9.74	13.02	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	TCBX	FMNB	MSBI	PFIS	AROW	BHB	Ind. Median
Current Ratio	0.13	0.11	0.26	0.43	25.33●	0.06	0.31
Debt/Equity	24.2%	58.2%	74.9%	59.8%	7.8%●	40.1%	38.0%
NetDebt/EBITDA	-6.27	5.38	-17.64●	3.07	0.07	-0.68	-0.58

Profitability
Metric	TCBX	FMNB	MSBI	PFIS	AROW	BHB	Ind. Median
Net Margin	18.0%	20.2%	7.8%	20.7%	20.7%●	16.6%	20.6%
ROE	12.2%●	9.6%	5.4%	11.7%	12.1%	8.0%	10.9%
ROA	1.2%●	0.9%	0.5%	1.1%	1.1%	0.9%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	TCBX	FMNB	MSBI	PFIS	AROW	BHB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	35.7%	18.6%	468.9%●	194.0%	80.3%	-7.8%	19.4%
Div. Yield	0.7%	4.6%●	4.1%	3.6%	2.8%	3.3%	2.5%
Payout	6.9%	44.5%	104.4%	42.0%	37.5%	52.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.