Third Coast Bancshares, Inc. (TCBX)

Third Coast Bancshares Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	69.07	66.29	47.67	33.4	18.66	11.42
Depreciation & Amortization	5.13	4.75	4.62	3.95	2.56	-0.27
Provision for Credit Losses	7.72	7.59	5.7	6.32	12.2	9.92
Stock-Based Compensation	1.7	1.61	1.7	1.63	1.28	0.66
Net Change in Loans Held-for-Sale	-	-	-	-	-	2.35
Other Adjustments	-23.99	-21.1	-17.41	-11.41	-7.75	-20.58
Changes in Accrued Interest and Accounts Receivable	-31.84	-20.65	-7.65	-4.39	-12.71	0.75
Changes in Accounts Payable	-26.11	12.36	0.5	9.58	7.55	0.34
Operating Cash Flow	1.66	50.84	35.14	39.08	21.79	4.58
Operating Cash Flow Growth	-95.41%	44.69%	-10.08%	79.32%	375.37%	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0.09	0.09	-0.36	-	0.13	-0
Net Change in Loans Held-for-Investment	-437.46	-422.54	-322.26	-527.6	-1,034	-493.6
Net Change in Securities and Investments	-63.57	-182.23	-202.72	-0.51	-164.96	-3.13
Payments for Business Acquisitions	64.13	-	-	-	-	-
Capital Expenditures	-16.32	-2.68	-1.77	-3.44	-12.19	-5.62
Sale of Property, Plant & Equipment	-	-	-	-	1.33	-
Other Investing Activities	1.62	-2.84	3.17	5.01	-29.9	2.29
Investing Cash Flow	-544.82	-610.2	-520.93	-529.54	-1,240	-500.06
Net Change in Deposits	622.37	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	27	7	-8	8	110.07	-19.88
Long-Term Debt Repaid	-	-	-	-	-	-13
Net Long-Term Debt Issued (Repaid)	27	7	-8	8	110.07	-32.88
Issuance of Common Stock	0.63	0.78	0.66	0.05	1.53	164.21
Repurchase of Common Stock	-0.15	-0.03	-0.04	-0.02	-	-0.12
Net Common Stock Issued (Repurchased)	0.48	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	-4.75	-4.74	-0.22	-
Other Financing Activities	-	-	-0.07	-	-	-
Financing Cash Flow	645.1	319.39	495.15	570.29	1,223	618.94
Net Cash Flow	101.94	-239.97	9.36	79.83	4.99	123.47
Free Cash Flow	-14.65	48.16	33.37	35.64	9.6	-1.04
Free Cash Flow Growth	-	44.31%	-6.36%	271.15%	-	-
FCF Margin	-6.88%	23.92%	20.14%	25.20%	8.61%	-1.21%
Free Cash Flow Per Share	-0.83	2.76	1.95	2.11	0.70	-0.13
Levered Free Cash Flow	22.18	62.31	30.63	42.36	62.52	-46.26
Unlevered Free Cash Flow	-69.14	-6.23	-4.29	5.7	-14.79	-4.8

Updated May 5, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q