$40.17

+0.05 (+0.12%)

Pre-Market: $40.10 (-0.07, -0.16%)

Weekly Expected Move ±3.1%

$37 $39 $40 $41 $42

NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 38 · $669.0M mcap · 14M float · 0.881% daily turnover · Short 45% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$367M +8.5% ▲

5Y CAGR: +34.4%

Gross Profit

$203M +23.1% ▲

5Y CAGR: +26.9%

Operating Income

$85M +38.5% ▲

5Y CAGR: +40.3%

Net Income

$66M +39.1% ▲

5Y CAGR: +40.5%

EPS (Diluted)

$3.79 +36.3% ▲

5Y CAGR: +14.7%

EBITDA

$90M +36.5% ▲

5Y CAGR: +41.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$103M	$160M	$274M	$338M	$367M
YoY Growth	+23.5%	+55.2%	+71.1%	+23.4%	+8.5%
Cost of Revenue	$20M	$50M	$133M	$173M	$164M
Gross Profit	$83M	$110M	$141M	$165M	$203M
Gross Margin	80.6%	69.0%	51.3%	48.7%	55.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$51M	$58M	$65M	$67M	$79M
Operating Expenses	$69M	$87M	$99M	$103M	$118M
Operating Income	$14M	$23M	$42M	$61M	$85M
Operating Margin	14.0%	14.5%	15.2%	18.1%	23.2%
Interest Expense	$10M	$37M	$127M	$168M	$159M
Income Before Tax	$14M	$23M	$42M	$61M	$83M
Tax Expense	$3M	$5M	$8M	$14M	$16M
Net Income	$11M	$19M	$33M	$48M	$66M
Net Margin	11.1%	11.6%	12.2%	14.1%	18.1%
EPS (Diluted)	$1.40	$1.25	$1.98	$2.78	$3.79
EBITDA	$14M	$26M	$46M	$66M	$90M
Shares Outstanding	8M	14M	17M	17M	16M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$88M	$84M	$91M	$96M	$96M	$101M	$51M	$113M
Cost of Revenue	$43M	$38M	$41M	$44M	$40M	$44M	$44M	$48M
Gross Profit	$45M	$45M	$49M	$52M	$56M	$57M	$7M	$65M
Gross Margin	51.0%	54.0%	54.4%	53.8%	58.6%	56.3%	12.9%	57.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$18M	$19M	$19M	$20M	$22M	$25M	$26M	$33M
Operating Expenses	$27M	$28M	$28M	$29M	$33M	$38M	$26M	$42M
Operating Income	$18M	$17M	$21M	$23M	$24M	$19M	-$19M	$24M
Operating Margin	20.3%	20.7%	23.2%	23.8%	24.7%	18.7%	-37.3%	21.0%
Interest Expense	$42M	$38M	$39M	$42M	$40M	$44M	$46M	$47M
Income Before Tax	$18M	$17M	$21M	$23M	$22M	$19M	$28M	$24M
Tax Expense	$4M	$4M	$4M	$5M	$4M	$3M	$6M	$5M
Net Income	$14M	$14M	$17M	$18M	$18M	$16M	$22M	$19M
Net Margin	15.6%	16.3%	18.4%	18.8%	18.6%	16.1%	43.2%	16.8%
EPS (Diluted)	$0.72	$0.71	$0.89	$1.03	$1.02	$1.00	$1.08	$0.93
EBITDA	$24M	$19M	$22M	$24M	$25M	$21M	-$16M	$71M
Shares Outstanding	17M	17M	17M	18M	16M	16M	16M	20M

TCBX NYSE

Income Trends

Profit Margins

Year-over-Year Growth

Sign in to InsiderStreet