Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Net income | $2.38M | $12.1M | $11.4M | $18.7M | $33.4M | $47.7M | $66.3M |
| EPS (diluted) | $0.60 | $1.91 | $1.40 | $1.25 | $1.98 | $2.78 | $3.79 |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $3.59M | -$3.65M | $4.58M | $21.8M | $39.1M | $35.1M | $50.8M |
| Capital expenditures | $2.98M | $1.35M | $5.62M | $12.2M | $3.44M | $1.77M | — |
| Free cash flow | $611K | -$5.01M | -$1.04M | $9.60M | $35.6M | $33.4M | — |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | $201M | $327M | $330M | $297M | $371M | $175M |
| Total assets | — | $1.87B | $2.50B | $3.77B | $4.40B | $4.94B | $5.34B |
| Total liabilities | — | $1.75B | $2.20B | $3.39B | $3.98B | $4.48B | $4.81B |
| Shareholders' equity | $56.5M | $120M | $299M | $382M | $412M | $461M | $531M |
| Retained earnings | — | $24.6M | $36.0M | $53.3M | $78.8M | $122M | $183M |
| Shares (wtd avg diluted) | 3.94M | 6.33M | 8.14M | 13.8M | 16.9M | 17.1M | 17.5M |
Every figure is extracted from Third Coast Bancshares, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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