Tectonic Financial, Inc. (TECTP) Earnings History
Growth Compounder13 years of earnings data (2012–2024) · Consistent double-digit EPS growth over 5 years
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Tectonic Financial, Inc. (TECTP) Earnings Overview
As of June 28, 2026, Tectonic Financial, Inc. (TECTP) reported trailing twelve-month net income of $3M, reflecting -10.2% year-over-year growth. The company earned $0.48 per diluted share over the past four quarters, with a net profit margin of 19.3%.
Looking at the long-term picture, TECTP's 5-year EPS compound annual growth rate (CAGR) stands at +11.4%, showing solid earnings momentum. The company achieved its highest annual net income of $15M in fiscal 2021.
Tectonic Financial, Inc. maintains industry-leading profitability with a gross margin of 100.0%, operating margin of 41.9%, and net margin of 19.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CHMG ($18M net income, 10.8% margin), NECB ($44M net income, 28.2% margin), MFIN ($39M net income, 12.2% margin), TECTP has outperformed on profitability metrics. Compare TECTP vs CHMG →
TECTP Earnings vs Peers
Earnings metrics vs comparable public companies
TECTP Historical Earnings Data (2012–2024)
13 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $14M | -8.4% | $30M | $1.68 | 19.3% | 41.9% |
| 2023 | $15M | -1.7% | $29M | $1.87 | 23.1% | 44.5% |
| 2022 | $15M | -0.0% | $21M | $2.11 | 23.4% | 32.4% |
| 2021 | $15M | +65.2% | $22M | $2.20 | 25.7% | 36.3% |
| 2020 | $9M | +45.1% | $14M | $1.42 | 19.7% | 29.2% |
| 2019 | $6M | -26.8% | $10M | $0.98 | 16.0% | 24.3% |
| 2018 | $9M | +200.8% | $11M | $1.34 | 25.1% | 30.3% |
| 2017 | $3M | -26.4% | $11M | $1.04 | 14.2% | 54.3% |
| 2016 | $4M | +20.9% | $15M | $1.96 | 17.9% | 65.7% |
| 2015 | $3M | +8.4% | $16M | $1.63 | 14.8% | 69.7% |
| 2014 | $3M | -25.7% | $15M | $1.51 | 14.3% | 69.6% |
| 2013 | $4M | +96.5% | $12M | $2.03 | 22.2% | 67.8% |
| 2012 | $2M | - | $2M | $1.15 | 14.0% | 14.0% |
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TECTP — Frequently Asked Questions
Quick answers to the most common questions about buying TECTP stock.
What is TECTP earnings per share (EPS)?
TECTP trailing twelve-month (TTM) diluted EPS is $0.48, reflecting -10.2% year-over-year growth. The 5-year EPS CAGR is +11.4%. Complete EPS history from 2012 to 2024 is available in the table on this page.
What is Tectonic Financial, Inc.'s net income?
Tectonic Financial, Inc. (TECTP) trailing twelve-month net income is $3M as of 2024. Earnings declined -10.2% year-over-year. Tectonic Financial, Inc. has been profitable for 13 consecutive years.
Is TECTP profitable?
Yes, TECTP is profitable with a TTM net income of $3M and a net profit margin of +19.3%. Tectonic Financial, Inc. has generated profits for 13 consecutive years.
What is TECTP's earnings growth rate?
TECTP compound annual EPS growth rates (CAGR): 1-Year: -10.2%, 3-Year: -8.6%, 5-Year: +11.4%, 10-Year: +1.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2024.
What are TECTP's profit margins?
Tectonic Financial, Inc. net profit margin is +19.3%, operating margin is +41.9%, and gross margin is +100.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.7%.
Is TECTP growing earnings?
TECTP earnings are declining — EPS fell -10.2% year-over-year. TTM net income dropped to $3M. This contrasts with the 5-year CAGR of +11.4%.
What was TECTP's best earnings year?
Tectonic Financial, Inc.'s highest annual net income on record is $15M, achieved in fiscal year 2021. Earnings history on this page spans 2012 to 2024 and includes all annual and quarterly figures.
What were TECTP's earnings last quarter?
TECTP's most recent reported quarter was Q3 2025. Net income was $5M with diluted EPS of $0.73. For a full breakdown of all quarters, see the quarterly earnings table on this page.