$38.08

+0.16 (+0.42%)

After Hours: $40.42 (+2.34, +6.16%)

Weekly Expected Move ±4.3%

$34 $35 $37 $39 $40

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 52 · $537.0M mcap · 11M float · 0.735% daily turnover · Short 53% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

51.1 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 64.7% · 5Y Avg: -44.4%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. TCBX shows a Weak competitive edge (51.1/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 64.7% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$45

Low

$45

Avg Target

$45

High

Based on 1 analyst since Apr 22, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$45.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-04-07	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-24	Stephens	—	$46	$45	-1	+16.5%	$38.63
2025-10-28	Stephens	—	Initiated	$46	—	+20.4%	$38.20
2024-07-29	Deutsche Bank	Bernard von-Gizycki	Initiated	$26	—	+5.1%	$24.73

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. TCBX receives an overall rating of B+. Strongest factors: DCF (4/5).

Rating Change History

Date	From	To
2026-05-14	A-	B+
2026-05-11	A	A-
2026-05-06	A+	A
2026-05-04	A	A+
2026-04-23	B	A
2026-04-22	A	B
2026-04-01	A-	A
2026-03-20	B+	A-
2026-03-12	A-	B+
2026-01-30	B	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 32 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. TCBX scores highest in Value (86/100) and lowest in Cash Flow (0/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.32

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-2.30

Unlikely Manipulator

Ohlson O-Score

-3.42

Bankruptcy prob: 3.2%

Low Risk

Credit Rating

BBB-

Score: 50.1/100

Trend: Deteriorating

Earnings Quality

25/100

OCF/NI: 0.02x

Accruals: 1.3%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. TCBX scores 2.32, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. TCBX scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. TCBX's score of -2.30 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. TCBX's implied 3.2% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. TCBX receives an estimated rating of BBB- (score: 50.1/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). TCBX's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

7.63x

PEG

0.21x

P/S

1.40x

P/B

0.81x

P/FCF

-42.27x

P/OCF

372.68x

EV/EBITDA

2.15x

EV/Revenue

0.51x

EV/EBIT

2.28x

EV/FCF

-13.51x

Earnings Yield

11.15%

FCF Yield

-2.37%

Shareholder Yield

0.77%

Graham Number

$55.48

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 7.6x earnings, TCBX trades at a deep value multiple. An earnings yield of 11.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $55.48 per share, suggesting a potential 46% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.818

NI / EBT

Interest Burden

0.974

EBT / EBIT

EBIT Margin

0.225

EBIT / Rev

Asset Turnover

0.075

Rev / Assets

Equity Multiplier

10.369

Assets / Equity

ROE

13.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. TCBX's ROE of 13.9% is driven by financial leverage (equity multiplier: 10.37x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

40.03%

Fair P/E

88.56x

Intrinsic Value

$373.58

Price/Value

0.10x

Margin of Safety

89.87%

Premium

-89.87%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with TCBX's realized 40.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $373.58, TCBX appears undervalued with a 90% margin of safety. The adjusted fair P/E of 88.6x compares to the current market P/E of 7.6x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1138 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$38.06

Median 1Y

$35.52

5th Pctile

$5.10

95th Pctile

$246.12

Ann. Volatility

119.4%

Analyst Target

$45.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Bart O. Caraway Chairman of the Board, President and Chief Executive Officer	$654,231	$385,457	$2,503,561
R. John McWhorter Senior Executive Vice President and Chief Financial Officer	$470,192	$144,868	$1,566,858
William (Bill) Bobbora Executive Vice President and Chief Banking Officer	$522,192	$184,307	$1,191,630

CEO Pay Ratio

13:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,503,561

Avg Employee Cost (SGA/emp): $192,556

Employees: 412

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

412

+11.7% YoY

Revenue / Employee

$890,646

Rev: $366,946,000

Profit / Employee

$160,900

NI: $66,291,000

SGA / Employee

$192,556

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	0.1%	0.8%	1.6%	3.8%	5.5%	7.6%	9.5%	9.2%	8.4%	8.7%	9.2%	11.0%	10.9%	11.7%	13.0%	14.2%	13.4%	13.9%	13.93%
ROA	0.0%	0.1%	0.2%	0.5%	0.6%	0.8%	1.0%	1.0%	0.8%	0.8%	0.9%	1.1%	1.0%	1.1%	1.2%	1.3%	1.3%	1.3%	1.34%
ROIC	-0.7%	-4.6%	-8.9%	-21.6%	3.5%	4.9%	6.1%	5.9%	42.5%	43.9%	46.3%	55.5%	-29.4%	-31.4%	-35.0%	-38.3%	62.1%	64.7%	64.69%
ROCE	0.1%	0.9%	1.7%	4.0%	4.6%	6.3%	8.0%	7.7%	7.6%	7.8%	8.4%	10.1%	10.3%	11.1%	12.2%	13.3%	12.7%	12.9%	12.93%
Gross Margin	71.4%	79.1%	75.5%	67.7%	60.3%	56.6%	53.6%	48.2%	48.4%	47.7%	47.2%	48.9%	51.0%	54.0%	54.4%	53.8%	58.6%	56.3%	56.30%
Operating Margin	1.7%	9.4%	8.7%	18.2%	17.7%	19.4%	17.2%	9.9%	15.1%	16.0%	17.0%	19.1%	20.3%	20.7%	23.2%	23.8%	24.7%	18.7%	18.73%
Net Margin	1.2%	7.3%	6.9%	14.9%	14.3%	15.6%	13.7%	7.9%	12.3%	12.8%	12.9%	15.0%	15.6%	16.3%	18.4%	18.8%	18.6%	16.1%	16.14%
EBITDA Margin	57.7%	8.1%	9.5%	16.9%	18.1%	19.7%	17.3%	9.5%	14.5%	17.3%	18.4%	17.9%	27.8%	22.2%	24.5%	25.0%	26.2%	20.3%	20.28%
FCF Margin	1.1%	-2.0%	0.5%	5.7%	6.0%	9.6%	11.8%	8.4%	13.0%	12.8%	11.0%	16.6%	9.9%	10.0%	11.9%	11.0%	13.1%	-3.8%	-3.81%
OCF Margin	5.2%	4.2%	7.2%	12.6%	13.6%	15.2%	15.9%	11.2%	14.3%	13.7%	11.9%	17.1%	10.4%	10.6%	12.3%	11.6%	13.9%	0.4%	0.43%
ROE 3Y Avg	snapshot only																		10.81%
ROE 5Y Avg	snapshot only																		8.00%
ROA 3Y Avg	snapshot only																		1.04%
ROIC Economic	snapshot only																		10.74%
Cash ROA	snapshot only																		0.03%
Cash ROIC	snapshot only																		1.52%
CROIC	snapshot only																		-13.37%
NOPAT Margin	snapshot only																		18.43%
Pretax Margin	snapshot only																		21.93%
R&D / Revenue	snapshot only																		0.00%
SGA / Revenue	snapshot only																		22.75%
SBC / Revenue	snapshot only																		0.33%

Valuation

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	77.86	11.21	5.54	1.76	13.59	10.23	8.25	7.59	10.05	9.82	9.94	10.54	12.39	11.44	10.02	10.71	9.39	8.97	7.627
P/S Ratio	0.97	0.48	0.29	0.15	1.59	1.39	1.20	0.96	1.22	1.15	1.15	1.40	1.75	1.71	1.64	1.86	1.70	1.61	1.399
P/B Ratio	0.09	0.09	0.09	0.07	0.66	0.69	0.70	0.62	0.81	0.82	0.88	1.12	1.28	1.26	1.24	1.44	1.17	1.17	0.810
P/FCF	84.46	-24.54	62.87	2.61	26.41	14.41	10.22	11.46	9.42	8.97	10.45	8.41	17.70	17.15	13.79	16.94	12.92	-42.27	-42.268
P/OCF	18.57	11.56	4.00	1.18	11.64	9.14	7.59	8.56	8.59	8.37	9.70	8.17	16.81	16.08	13.33	16.05	12.24	372.68	372.678
EV/EBITDA	-19.79	-17.36	-14.91	-11.23	-5.42	-3.51	-2.72	-3.55	0.06	0.13	0.60	2.26	-0.47	-0.56	-0.66	0.48	2.23	2.15	2.150
EV/Revenue	-11.42	-5.70	-3.62	-2.45	-0.77	-0.59	-0.49	-0.56	0.01	0.02	0.09	0.39	-0.10	-0.12	-0.15	0.12	0.55	0.51	0.515
EV/EBIT	-666.76	-102.11	-53.80	-23.17	-5.30	-3.52	-2.71	-3.57	0.06	0.13	0.62	2.29	-0.53	-0.62	-0.73	0.54	2.36	2.28	2.285
EV/FCF	-994.33	291.30	-784.88	-42.84	-12.80	-6.15	-4.16	-6.73	0.06	0.15	0.83	2.32	-0.97	-1.21	-1.29	1.09	4.17	-13.51	-13.509
Earnings Yield	1.3%	8.9%	18.1%	56.7%	7.4%	9.8%	12.1%	13.2%	10.0%	10.2%	10.1%	9.5%	8.1%	8.7%	10.0%	9.3%	10.7%	11.2%	11.15%
FCF Yield	1.2%	-4.1%	1.6%	38.3%	3.8%	6.9%	9.8%	8.7%	10.6%	11.1%	9.6%	11.9%	5.7%	5.8%	7.3%	5.9%	7.7%	-2.4%	-2.37%
PEG Ratio	snapshot only																		0.212
Price/Tangible Book	snapshot only																		1.209
EV/OCF	snapshot only																		119.113
EV/Gross Profit	snapshot only																		0.922
Acquirers Multiple	snapshot only																		2.285
Shareholder Yield	snapshot only																		0.77%
Graham Number	snapshot only																		$55.48

Leverage & Solvency

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.17	0.17	0.17	0.17	0.16	0.16	0.16	0.16	0.13	0.13	0.13	0.13	0.18	0.18	0.18	0.18	0.13	0.13	0.126
Quick Ratio	0.17	0.17	0.17	0.17	0.16	0.16	0.16	0.16	0.13	0.13	0.13	0.13	0.18	0.18	0.18	0.18	0.13	0.13	0.126
Debt/Equity	0.00	0.00	0.00	0.00	0.34	0.34	0.34	0.34	0.34	0.34	0.34	0.34	0.29	0.29	0.29	0.29	0.26	0.26	0.258
Net Debt/Equity	-1.18	-1.18	-1.18	-1.18	-0.99	-0.99	-0.99	-0.99	-0.81	-0.81	-0.81	-0.81	-1.35	-1.35	-1.35	-1.35	-0.79	-0.79	-0.794
Debt/Assets	0.00	0.00	0.00	0.00	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.026
Debt/EBITDA	0.06	0.05	0.05	0.03	5.70	4.03	3.22	3.30	3.44	3.26	2.97	2.52	1.92	1.80	1.65	1.48	1.52	1.49	1.488
Net Debt/EBITDA	-21.47	-18.83	-16.10	-11.92	-16.59	-11.73	-9.38	-9.60	-8.10	-7.67	-7.00	-5.94	-9.01	-8.46	-7.74	-6.98	-4.68	-4.58	-4.577
Interest Coverage	0.24	0.79	0.69	0.70	0.62	0.53	0.48	0.37	0.33	0.30	0.29	0.34	0.37	0.40	0.45	0.49	0.54	0.53	0.526
Equity Multiplier	8.36	8.36	8.36	8.36	9.88	9.88	9.88	9.88	10.67	10.67	10.67	10.67	10.73	10.73	10.73	10.73	10.06	10.06	10.057
Cash Ratio	snapshot only																		0.120
Debt Service Coverage	snapshot only																		0.559
Cash to Debt	snapshot only																		4.077
FCF to Debt	snapshot only																		-0.107
Defensive Interval	snapshot only																		1674.8 days

Efficiency & Turnover

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.01	0.02	0.04	0.05	0.05	0.06	0.07	0.08	0.07	0.07	0.08	0.08	0.07	0.07	0.07	0.08	0.07	0.07	0.075
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.78	5.57	8.81	13.25	11.19	13.34	15.55	17.34	13.22	14.27	15.19	15.87	13.82	13.92	14.21	14.66	13.33	13.98	13.977
Payables Turnover	18.63	32.30	50.88	84.40	33.33	46.59	61.28	76.09	36.34	40.86	44.75	46.57	31.30	30.58	30.07	30.25	26.83	27.79	27.792
DSO	131	65	41	28	33	27	23	21	28	26	24	23	26	26	26	25	27	26	26.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	20	11	7	4	11	8	6	5	10	9	8	8	12	12	12	12	14	13	13.1 days
Cash Conversion Cycle	112	54	34	23	22	20	18	16	18	17	16	15	15	14	14	13	14	13	13.0 days
Fixed Asset Turnover	snapshot only																		9.193
Cash Velocity	snapshot only																		0.689
Capital Intensity	snapshot only																		13.881

Growth (YoY)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	—	—	—	—	4.6%	2.3%	1.5%	82.8%	71.5%	55.2%	41.8%	32.8%	23.4%	15.2%	10.4%	9.1%	8.5%	12.9%	12.94%
Net Income	—	—	—	—	51.7%	9.6%	5.9%	1.7%	79.0%	33.7%	12.3%	39.7%	42.7%	47.4%	56.0%	42.4%	39.1%	35.7%	35.72%
EPS	—	—	—	—	46.1%	7.7%	4.6%	1.7%	45.8%	32.7%	11.3%	12.7%	38.6%	43.1%	52.3%	39.6%	47.7%	44.6%	44.57%
FCF	—	—	—	—	28.4%	17.4%	62.0%	1.7%	2.7%	1.1%	32.4%	1.6%	-6.4%	-10.2%	19.3%	-28.2%	44.3%	-1.4%	-1.43%
EBITDA	—	—	—	—	38.3%	71.5%	83.5%	32.7%	81.4%	35.4%	18.7%	43.2%	68.1%	69.5%	69.0%	59.0%	30.2%	25.0%	24.96%
Op. Income	—	—	—	—	46.5%	9.0%	5.6%	1.7%	79.6%	34.8%	14.7%	42.2%	47.4%	52.6%	57.3%	42.9%	38.5%	31.8%	31.77%
OCF Growth	snapshot only																		-95.41%
Asset Growth	snapshot only																		8.06%
Equity Growth	snapshot only																		15.26%
Debt Growth	snapshot only																		3.35%
Shares Change	snapshot only																		-6.12%
Dividend Growth	snapshot only																		0.02%

Growth (CAGR)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	—	—	—	—	—	—	—	—	—	—	—	—	1.3%	81.5%	56.8%	38.3%	31.9%	26.4%	26.39%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	3.6%	1.5%	1.1%	61.6%	44.0%	40.0%	40.03%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	4.1%	1.8%	1.3%	75.5%	52.6%	38.8%	38.83%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	61.5%	57.9%	54.4%	44.5%	58.3%	42.1%	42.09%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	—	1.0%	58.7%	38.7%	24.7%	22.6%	21.0%	21.03%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	4.0%	1.7%	1.3%	76.8%	54.2%	39.4%	39.43%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	3.7%	—	3.6%	71.8%	71.2%	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	1.9%	1.5%	87.1%	34.4%	32.6%	-61.4%	-61.40%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	—	—	25.5%	25.5%	25.5%	25.5%	12.3%	12.3%	12.28%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	15.5%	15.5%	15.5%	15.5%	11.6%	11.6%	11.63%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	2.9%	6.7%	6.9%	6.3%	5.3%	12.6%	12.59%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	-10.8%	-7.5%	-7.4%	-7.9%	-5.6%	0.9%	0.87%

Growth Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	1.00	1.00	0.99	0.99	0.98	0.96	0.94	0.94	0.93	0.95	0.947
Earnings Stability	—	—	—	—	—	—	—	—	1.00	0.93	0.84	0.98	1.00	0.97	0.93	0.99	1.00	0.98	0.985
Margin Stability	—	—	—	—	—	—	—	—	0.83	0.79	0.77	0.78	0.81	0.79	0.79	0.81	0.84	0.88	0.881
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	0	0	1	0	1	1	1	1	1	1	1	1	1	1	1	0	0
Earnings Persistence	—	—	—	—	—	—	—	—	0.50	0.87	0.95	0.84	0.83	0.81	0.50	0.83	0.84	0.86	0.857
Earnings Smoothness	—	—	—	—	0.00	0.00	0.00	0.08	0.43	0.71	0.88	0.67	0.65	0.62	0.56	0.65	0.67	0.70	0.697
ROE Trend	—	—	—	—	—	—	—	—	0.06	0.05	0.04	0.05	0.04	0.03	0.04	0.04	0.03	0.03	0.033
Gross Margin Trend	—	—	—	—	—	—	—	—	-0.19	-0.20	-0.19	-0.15	-0.11	-0.06	-0.01	0.02	0.05	0.06	0.060
FCF Margin Trend	—	—	—	—	—	—	—	—	0.09	0.09	0.05	0.10	0.00	-0.01	0.00	-0.02	0.02	-0.15	-0.152
Sustainable Growth Rate	0.1%	0.8%	1.6%	3.8%	5.5%	7.2%	8.8%	8.1%	7.2%	7.5%	8.0%	9.8%	9.8%	10.6%	11.9%	13.1%	12.4%	13.0%	12.97%
Internal Growth Rate	0.0%	0.1%	0.2%	0.5%	0.6%	0.8%	1.0%	0.9%	0.7%	0.7%	0.8%	1.0%	0.9%	1.0%	1.1%	1.2%	1.2%	1.3%	1.27%

Cash Flow Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	4.19	0.97	1.38	1.49	1.17	1.12	1.09	0.89	1.17	1.17	1.02	1.29	0.74	0.71	0.75	0.67	0.77	0.02	0.024
FCF/OCF	0.22	-0.47	0.06	0.45	0.44	0.63	0.74	0.75	0.91	0.93	0.93	0.97	0.95	0.94	0.97	0.95	0.95	-8.82	-8.817
FCF/Net Income	snapshot only																		-0.212
OCF/EBITDA	snapshot only																		0.018
CapEx/Revenue	4.1%	6.1%	6.8%	6.9%	7.6%	5.5%	4.1%	2.8%	1.3%	0.9%	0.9%	0.5%	0.5%	0.7%	0.4%	0.6%	0.7%	4.2%	4.24%
CapEx/Depreciation	snapshot only																		3.004
Accruals Ratio	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.013
Sloan Accruals	snapshot only																		-0.102
Cash Flow Adequacy	snapshot only																		0.079
Earnings Quality Score	snapshot only																		0.250

Dividends & Buybacks

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.5%	0.9%	1.5%	1.4%	1.4%	1.3%	1.0%	0.8%	0.8%	0.8%	0.7%	0.8%	0.8%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.07	$0.14	$0.26	$0.28	$0.28	$0.28	$0.28	$0.27	$0.27	$0.27	$0.27	$0.29	$0.29	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	4.6%	7.3%	11.4%	14.2%	13.7%	13.0%	10.9%	10.0%	9.3%	8.4%	7.6%	7.2%	6.9%	6.88%
FCF Payout Ratio	0.0%	—	0.0%	0.0%	0.0%	6.5%	9.0%	17.2%	13.3%	12.5%	13.7%	8.7%	14.2%	14.0%	11.5%	12.1%	9.9%	—	—
Total Payout Ratio	34.2%	5.0%	2.6%	1.1%	0.0%	4.6%	7.3%	11.4%	14.2%	13.7%	13.0%	10.9%	10.0%	9.3%	8.4%	7.6%	7.2%	6.9%	6.88%
Div. Increase Streak	—	—	—	—	—	0	0	0	0	1	1	1	1	1	1	1	0	0	0
Chowder Number	—	—	—	—	—	—	—	—	—	2.97	1.01	0.34	0.01	0.01	0.01	0.01	0.01	0.01	0.008
Buyback Yield	0.4%	0.4%	0.5%	0.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	-3.3%	-3.4%	-3.5%	-4.5%	0.0%	0.0%	0.0%	0.0%	0.0%	-0.1%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.1%	-0.10%
Total Shareholder Return	-3.3%	-3.4%	-3.5%	-4.5%	0.0%	0.5%	0.9%	1.5%	1.4%	1.3%	1.3%	1.0%	0.8%	0.8%	0.8%	0.7%	0.7%	0.7%	0.66%

DuPont Factors

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.73	0.77	0.78	0.80	0.81	0.81	0.81	0.80	0.80	0.80	0.79	0.79	0.78	0.77	0.78	0.78	0.80	0.82	0.818
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.97	0.97	0.974
EBIT Margin	0.02	0.06	0.07	0.11	0.14	0.17	0.18	0.16	0.15	0.15	0.15	0.17	0.18	0.19	0.21	0.22	0.23	0.23	0.225
Asset Turnover	0.01	0.02	0.04	0.05	0.05	0.06	0.07	0.08	0.07	0.07	0.08	0.08	0.07	0.07	0.07	0.08	0.07	0.07	0.075
Equity Multiplier	8.36	8.36	8.36	8.36	9.21	9.21	9.21	9.21	10.29	10.29	10.29	10.29	10.70	10.70	10.70	10.70	10.37	10.37	10.369

Per Share

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$0.03	$0.18	$0.34	$0.84	$1.36	$1.54	$1.92	$2.25	$1.98	$2.04	$2.14	$2.54	$2.74	$2.92	$3.26	$3.54	$4.05	$4.22	$4.22
Book Value/Share	$24.28	$21.74	$21.63	$21.86	$27.75	$22.72	$22.65	$27.52	$24.39	$24.33	$24.21	$23.97	$26.49	$26.42	$26.42	$26.28	$32.43	$32.43	$47.13
Tangible Book/Share	$22.71	$20.33	$20.23	$20.45	$26.35	$21.58	$21.51	$26.14	$23.27	$23.20	$23.09	$22.87	$25.40	$25.34	$25.34	$25.21	$31.29	$31.29	$31.29
Revenue/Share	$2.31	$4.14	$6.52	$9.91	$11.62	$11.34	$13.18	$17.86	$16.23	$17.46	$18.50	$19.14	$19.44	$19.53	$19.94	$20.47	$22.41	$23.50	$27.88
FCF/Share	$0.03	$-0.08	$0.03	$0.57	$0.70	$1.09	$1.55	$1.49	$2.11	$2.23	$2.04	$3.18	$1.92	$1.95	$2.37	$2.24	$2.94	$-0.90	$-1.06
OCF/Share	$0.12	$0.17	$0.47	$1.25	$1.58	$1.72	$2.09	$2.00	$2.31	$2.39	$2.19	$3.28	$2.02	$2.07	$2.45	$2.37	$3.10	$0.10	$0.12
Cash/Share	$28.69	$25.68	$25.56	$25.83	$36.77	$30.11	$30.01	$36.47	$28.12	$28.05	$27.91	$27.64	$43.43	$43.32	$43.32	$43.10	$34.10	$34.10	$53.23
EBITDA/Share	$1.33	$1.36	$1.58	$2.16	$1.65	$1.91	$2.38	$2.83	$2.44	$2.57	$2.80	$3.27	$3.98	$4.22	$4.62	$5.09	$5.50	$5.62	$5.62
Debt/Share	$0.08	$0.07	$0.07	$0.07	$9.41	$7.70	$7.68	$9.33	$8.39	$8.37	$8.33	$8.25	$7.62	$7.60	$7.60	$7.56	$8.37	$8.37	$8.37
Net Debt/Share	$-28.61	$-25.61	$-25.49	$-25.75	$-27.36	$-22.41	$-22.34	$-27.14	$-19.73	$-19.68	$-19.58	$-19.40	$-35.82	$-35.72	$-35.72	$-35.54	$-25.74	$-25.74	$-25.74

Academic Models

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.323
Altman Z-Prime	snapshot only																		-4.659
Piotroski F-Score	4	3	4	4	6	6	6	5	6	6	6	7	7	7	7	7	7	7	7
Beneish M-Score	—	—	—	—	-1.47	-1.24	-1.31	-1.47	-1.95	-2.05	-2.08	-2.17	-2.36	-2.42	-2.43	-2.40	-2.39	-2.30	-2.297
Ohlson O-Score	snapshot only																		-3.421
Net-Net WC	snapshot only																		$-257.87
EVA	snapshot only																		$59947059.88

Credit

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																		BBB-
Credit Score	50.34	35.46	50.35	58.35	45.30	48.16	55.13	51.51	52.88	53.43	53.15	70.11	58.19	58.28	72.74	59.78	70.84	50.09	50.094
Credit Grade	snapshot only																		10
Credit Trend	snapshot only																		-8.186
Implied Spread (bps)	snapshot only																		350.000
Industry Credit Rank	snapshot only																		29
Sector Credit Rank	snapshot only																		37

TCBX NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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