Third Coast Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	66.29	47.67	33.4	18.66	11.42
Depreciation & Amortization	4.75	4.62	3.95	2.56	-0.27
Provision for Credit Losses	7.59	5.7	6.32	12.2	9.92
Stock-Based Compensation	1.61	1.7	1.63	1.28	0.66
Net Change in Loans Held-for-Sale	-	-	-	-	2.35
Other Adjustments	-21.1	-17.41	-11.41	-7.75	-20.58
Changes in Accrued Interest and Accounts Receivable	-20.65	-7.65	-4.39	-12.71	0.75
Changes in Accounts Payable	12.36	0.5	9.58	7.55	0.34
Operating Cash Flow	50.84	35.14	39.08	21.79	4.58
Operating Cash Flow Growth	44.69%	-10.08%	79.32%	375.37%	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0.09	-0.36	-	0.13	-0
Net Change in Loans Held-for-Investment	-422.54	-322.26	-527.6	-1,034	-493.6
Net Change in Securities and Investments	-182.23	-202.72	-0.51	-164.96	-3.13
Capital Expenditures	-2.68	-1.77	-3.44	-12.19	-5.62
Sale of Property, Plant & Equipment	-	-	-	1.33	-
Other Investing Activities	-2.84	3.17	5.01	-29.9	2.29
Investing Cash Flow	-610.2	-520.93	-529.54	-1,240	-500.06
Net Change in Deposits	316.39	507.35	567	1,095	507.73
Short-Term Debt Repaid	-	-	-	-50	-20
Net Short-Term Debt Issued (Repaid)	-	-	-	-50	-20
Long-Term Debt Issued	7	-8	8	110.07	-19.88
Long-Term Debt Repaid	-	-	-	-	-13
Net Long-Term Debt Issued (Repaid)	7	-8	8	110.07	-32.88
Issuance of Common Stock	0.78	0.66	0.05	1.53	164.21
Repurchase of Common Stock	-0.03	-0.04	-0.02	-	-0.12
Net Common Stock Issued (Repurchased)	0.75	0.61	0.03	1.53	164.09
Issuance of Preferred Stock	-	-	-	66.23	-
Net Preferred Stock Issued (Repurchased)	-	-	-	66.23	-
Preferred Share Dividends Paid	-4.75	-4.75	-4.74	-0.22	-
Other Financing Activities	-	-0.07	-	-	-
Financing Cash Flow	319.39	495.15	570.29	1,223	618.94
Net Cash Flow	-239.97	9.36	79.83	4.99	123.47
Free Cash Flow	48.16	33.37	35.64	9.6	-1.04
Free Cash Flow Growth	44.31%	-6.36%	271.15%	-	-
FCF Margin	23.92%	20.14%	25.20%	8.61%	-1.21%
Free Cash Flow Per Share	2.76	1.95	2.11	0.70	-0.13
Levered Free Cash Flow	62.31	30.63	42.36	62.52	-46.26
Unlevered Free Cash Flow	-6.23	-4.29	5.7	-14.79	-4.8

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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