Tectonic Financial, Inc.(TECTP)Earnings, Financials & Key Ratios
TECTP•NASDAQ•Banking & Credit
$9.99
5.9× P/E·Price updated Jun 8, 2026
AboutTectonic Financial, Inc., a financial holding company, provides banking and financial products and services to high net worth individuals, small businesses, and institutions in the United States. It offers commercial and consumer banking services, such as demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit; commercial and real estate loans, dental loans, commercial and industrial, commercial real estate, construction loans, and consumer installment loans; and wealth management and trust services. The company also provides trust, investment advisory, securities brokerage, factoring, third-party administration, recordkeeping, underwriting, and insurance services. It offers services through various delivery systems, including automated teller machines, mobile banking, and internet banking. Tectonic Financial, Inc. was formerly known as T Acquisition, Inc. and changed its name to Tectonic Financial, Inc. in May 2019. The company was incorporated in 2016 and is headquartered in Dallas, Texas.Show more
- Net Interest Income$0
- Total Revenue$72M+9.7%
- Net Income$14M-8.4%
- Return on Equity12.65%-15.5%
- Net Interest Margin0%
- Efficiency Ratio58.1%+4.6%
- ROA1.81%-23.3%
- Equity / Assets13.14%-16.7%
- Book Value per Share15.72+7.3%
TECTP Price & Volume
Tectonic Financial, Inc. (TECTP) stock price & volume — 10-year historical chart
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Structural Margin Erosion Challenges Tectonic Financial Viability
Investment Thesis • Updated 2025Q3
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Negative Net Interest Margin
Key Thesis Takeaways
- Tectonic Financial faces a precarious outlook characterized by a persistent negative net interest margin of -0.9% as of 2025Q3, which severely undermines its core banking profitability.
- While the firm has expanded its asset base to $1.1 billion, this growth is decoupled from organic capital generation, evidenced by consistent negative operating cash flows and a reliance on non-interest income for 100% of its revenue.
- Investors should remain cautious as the bank's efficiency ratio has reached 100.0%, signaling that operational expenses are currently consuming all generated revenue.
Verdict Logic
the firm's inability to generate positive net interest income, which fell to -$9.3 million in 2025Q3, creates a fundamental risk to long-term solvency and dividend sustainability.
TECTP Growth Metrics
Tectonic Financial, Inc. (TECTP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.03%
5 Years12.38%
3 Years6.29%
TTM-
Profit CAGR
10 Years16.45%
5 Years16.63%
3 Years-3.45%
TTM-75.74%
EPS CAGR
10 Years1.07%
5 Years11.38%
3 Years-8.6%
TTM17.13%
Return on Capital
10 Years4.72%
5 Years3.84%
3 Years4.02%
Last Year3.93%
Peers Comparison
Key metrics vs top competitors for Tectonic Financial, Inc. (TECTP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $9.99 | $67.7M | 5.95 | 9.66% | 19.29% | 12.65% | 6.5% | |
| $75.58 | $364.28M | 24.15 | -6.46% | 12.83% | 7.33% | — | |
| $27.78 | $384.31M | 8.55 | -1.55% | 28.51% | 12.62% | — | |
| $10.30 | $245.66M | 5.79 | 21.09% | 11.67% | 7.73% | — | |
| $48.66 | $463.21M | 10.81 | -3.87% | 31.77% | 18.18% | — | |
| $4.70 | $190.82M | 3.85 | 36.55% | -19.55% | -3.39% | — |
Compare TECTP vs Peers
Tectonic Financial, Inc. (TECTP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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TECTP Frequently Asked Questions
Tectonic Financial, Inc. (TECTP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Tectonic Financial, Inc. growing?
Tectonic Financial, Inc. (TECTP) grew revenue by 9.7% over the past year. This is steady growth.
Is TECTP profitable?
Yes, Tectonic Financial, Inc. (TECTP) is profitable, generating $3.3M in net income for fiscal year 2024 (19.3% net margin).
Dividend & Returns
Does TECTP pay dividends?
Yes, Tectonic Financial, Inc. (TECTP) pays a dividend with a yield of 6.50%. This makes it attractive for income-focused investors.
What is TECTP's return on equity?
Tectonic Financial, Inc. (TECTP) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.
Industry Metrics
What is Tectonic Financial, Inc.'s efficiency ratio?
Tectonic Financial, Inc. (TECTP) has an efficiency ratio of 58.1%. This is reasonable for a bank.