Third Coast Bancshares, Inc. (TCBX) — Cash Flow Quality Index
Third Coast Bancshares, Inc. (TCBX) has a Cash Flow Quality Index of 0.16x as of June 2026. Operating cash flow of $6.26 Million is below net income of $38.35 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of Third Coast Bancshares, Inc. to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Third Coast Bancshares, Inc. Cash Flow Quality Index (2019–2025)
Historical Cash Flow Quality Index for Third Coast Bancshares, Inc. across 7 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Third Coast Bancshares, Inc. cash flow conversion.
Annual Cash Flow Quality Index for Third Coast Bancshares, Inc. (2019–2025)
Year-by-year earnings quality comparison for Third Coast Bancshares, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.77x | $50.84 Million | $66.29 Million | ▲ +4.0% |
| 2024 | 0.74x | $35.14 Million | $47.67 Million | ▼ -37.0% |
| 2023 | 1.17x | $39.08 Million | $33.40 Million | ▲ +0.2% |
| 2022 | 1.17x | $21.79 Million | $18.66 Million | ▲ +191.0% |
| 2021 | 0.40x | $4.58 Million | $11.42 Million | ▲ +233.0% |
| 2020 | -0.30x | $-3.65 Million | $12.12 Million | ▼ -120.0% |
| 2019 | 1.51x | $3.59 Million | $2.38 Million | — |