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Third Coast Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$8.9M in Q3 2026 · $20.9M over twelve months

Operating cash flow$8.9M
Free cash flow+$8.9M
Cash / net income0.5×

Analysis

In Q3 2026, Third Coast Bancshares generated $8.9M of operating cash flow. That is $11.8M less than in Q3 2025 ($20.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $20.9M; the largest uses were other investing ($472M); besides operations, cash came from other financing ($693M), shares issued ($1.5M); the cash balance rose by $243M.

Operating cash flow was $8.9M against net income of $19.0M — 0.5× profit, less cash than reported earnings, worth checking against working capital. The largest differences: receivables +$2.9M, depreciation & amortization +$1.7M, stock-based pay +$782K.

Free cash flow

Third Coast Bancshares: free cash flow by quarterThird Coast Bancshares: free cash flow by quarter−$3.6MQ4 2024$10.5MQ1 2025$13.9MQ2 2025$20.7MQ3 2025$5.7MQ4 2025−$38.7MQ1 2026$45.0MQ2 2026$8.9MQ3 2026
Operating cash flow less capital spending.
Third Coast Bancshares: operating cash flow against capital spendingThird Coast Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending−$3.6M$0Q4 2024$10.5M$0Q1 2025$13.9M$0Q2 2025$20.7M$0Q3 2025$5.7M$0Q4 2025−$38.7M$0Q1 2026$45.0M$0Q2 2026$8.9M$0Q3 2026
Latest (Q3 2026): Operating cash flow $8.9M, Capital spending $0.

Capital allocation, year by year

Third Coast Bancshares: where the cash came from (up) and went (down), by fiscal yearThird Coast Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingFY2021: Operating cash flow $4.6MFY2021: Net borrowing −$32.5MFY2021: Shares issued $995KFY2021: Capital spending −$5.6M$5.6MFY2021FY2022: Operating cash flow $21.8MFY2022: Net borrowing −$32.5MFY2022: Shares issued $66.9MFY2022: Asset sales $1.3MFY2022: Capital spending −$12.2M$90.0MFY2022FY2023: Operating cash flow $39.1MFY2023: Capital spending −$3.4M$39.1MFY2023FY2024: Operating cash flow $35.1MFY2024: Shares issued $656KFY2024: Capital spending −$1.8M$35.8MFY2024FY2025: Operating cash flow $50.8MFY2025: Shares issued $779K$51.6MFY2025
Over these 5 years operating cash flow totalled $151M; the largest uses were net borrowing ($65.0M) and capital spending ($23.0M). Cash-flow statements as filed.

Where the cash came from and went

Third Coast Bancshares: sources (+) and uses (−) of cash, Q3 2026Third Coast Bancshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$125MOther financing$70.2MCash drawn (+) / kept (−)$45.1MOperating cash flow$8.9MShares issued$414K
Third Coast Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Third Coast Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$693MOther investing−$472MCash drawn (+) / kept (−)−$243MOperating cash flow$20.9MShares issued$1.5M

From profit to cash

Third Coast Bancshares: net income to operating cash flow, Q3 2026Third Coast Bancshares: net income to operating cash flow, Q3 2026Net income$19.0MDepreciation & amortization$1.7MStock-based pay$782KReceivables$2.9MOperating cash flow$8.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$8.9M$414K$45.1M$8.9M
Q2 2026$45.0M$756K$20.4M$45.0M
Q1 2026−$38.7M$365K−$250M−$38.7M
Q4 2025$5.7M—−$58.2M$5.7M
Q3 2025$20.7M$132K−$4.1M$20.7M
Q2 2025$13.9M$136K$210M$13.9M
Q1 2025$10.5M$511K$91.8M$10.5M
Q4 2024−$3.6M$440K−$151M−$3.6M

Third Coast Bancshares: income statement and cash flow

Third Coast Bancshares, Q3 2026: revenue $65.9M (+21% year over year), operating margin 36.1%. The chart follows the revenue to costs, profit and cash.

Third Coast Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.