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Tectonic Financial, Inc. (TECTP)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 40 | 48 | 57 | 60 | 66 | 72 | 87 |
| Operating profit | $m | 30 | -12 | |||||
| Net profit | $m | 6 | 9 | 15 | 15 | 15 | 14 | 3 |
| EPS reported | $ | 1.68 | 0.44 | |||||
| Operating cashflow per share | $ | -12.24 | -12.60 | |||||
| Capex per share | $ | 0.03 | 0.00 | |||||
| FCF per share | $ | -12.27 | -12.60 | |||||
| Free cash flow | $m | -87 | -29 | |||||
| Net debt | $m | -4 | -28 | |||||
| Book value equity | $m | 113 | 119 | |||||
| Book value per share | $ | 15.72 | 17.33 | |||||
| Number of shares | m | 7.21 | 6.88 | |||||
| DPS (TTM paid) | $ | 1.07 | 0.57 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 6.19 | 22.70 | |||||
| P/B LTM | x | 0.65 | 0.34 | |||||
| P/S LTM | x | 1.02 | 0.46 | |||||
| P/FCF LTM | x | -0.85 | -1.39 | |||||
| EV/EBITDA LTM | x | 198.98 | -7.72 | |||||
| EV/Sales LTM | x | 1.24 | 0.14 | |||||
| Earnings Yield LTM | % | 16.16% | 4.41% | |||||
| FCF Yield | % | -118.01% | -71.74% | |||||
| Quality | ||||||||
| ROE | % | 12.29% | 12.36% | |||||
| ROIC | % | 42.84% | 21.37% | |||||
| Operating margin | % | 41.90% | 21.90% | |||||
| Gross margin | % | 100.00% | 59.15% | |||||
| FCF/Sales | % | -120.22% | -121.36% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -10.16% | -75.69% | |||||
| Sales Growth YoY | % | +9.66% | -24.23% | |||||
| Net Income Growth YoY | % | -8.44% | -75.74% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | +3.32% | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 6.36% | 5.70% | |||||
| Dividend Growth | % | +19.29% | - | |||||
| Payout Ratio | % | 33.61% | 106.68% | |||||
| FCF/Debt | x | -3.95 | - | |||||
| Net Debt/EBITDA | x | 35.81 | -0.22 | |||||
| EBIT/Net interest | x | 0.00 | 0.59 | |||||
| Net debt/market cap | % | -5.61% | -69.17% | |||||
| Net debt/Equity | x | -0.04 | -0.23 | |||||
| Gross debt/equity | x | 0.19 | 0.00 | |||||
Company overview
Tectonic Financial, Inc. functions as a financial holding company, delivering a comprehensive array of banking and financial solutions throughout the United States. Its diverse clientele includes affluent individuals, small and medium-sized businesses, and various institutional clients. The company's core services encompass both commercial and consumer banking, offering a full spectrum of deposit products such as checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. Its lending options are equally broad, ranging from commercial, real estate, and construction loans to specialized dental financing, commercial and industrial credit, and consumer installment loans. Beyond traditional banking, Tectonic Financial extends its expertise to wealth management and comprehensive trust services. Furthermore, the firm provides investment advisory, securities brokerage, factoring, third-party administration, recordkeeping, underwriting, and insurance services. Customers can conveniently access these offerings through various modern channels, including automated teller machines, mobile banking applications, and online internet banking platforms. Established in 2016, the company initially operated as T Acquisition, Inc., before officially rebranding to Tectonic Financial, Inc. in May 2019. Its corporate headquarters are situated in Dallas, Texas.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Tectonic Financial, Inc. (TECTP)
Tectonic Financial, Inc. functions as a financial holding company, delivering a comprehensive array of banking and financial solutions throughout the United States. Its diverse clientele includes affluent individuals, small and medium-sized businesses, and various institutional clients. The company's core services encompass both commercial and consumer banking, offering a full spectrum of deposit products such as checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. Its lending options are equally broad, ranging from commercial, real estate, and construction loans to specialized dental financing, commercial and industrial credit, and consumer installment loans. Beyond traditional banking, Tectonic Financial extends its expertise to wealth management and comprehensive trust services. Furthermore, the firm provides investment advisory, securities brokerage, factoring, third-party administration, recordkeeping, underwriting, and insurance services. Customers can conveniently access these offerings through various modern channels, including automated teller machines, mobile banking applications, and online internet banking platforms. Established in 2016, the company initially operated as T Acquisition, Inc., before officially rebranding to Tectonic Financial, Inc. in May 2019. Its corporate headquarters are situated in Dallas, Texas.
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