TECTP

Tectonic Financial, Inc.

Financial Services · USD

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Price alert · TECTP

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9.99 USD 0.00 0.00%
As of Feb 13, 2026 Extended hours 9.99 0.00%
Bid
9.97 × 16
Ask
10.00 × —
9.99 Day range 10.00
9.83 52-week range 12.08
YTD
0.00%
1 year
0.00%
Open
10.00
Prev close
9.99
Mkt cap
42.07M
Vol
668
Avg vol
11.15K
EPS
2.15
P/E
4.64
Div yield
11.95%
More statistics
Low
9.99
High
10.00
Forward P/E
0.00
Beta
0.00
Short ratio
1.59
Inst. own
2.65%
Dividend
1.24
Ex-div date
Nov 4, 2024
50-d avg
10.39
200-d avg
10.32
1y target
0.00

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 6.1×
FY 2015: 6.2×FY 2016: 5.2×FY 2017: 9.7×FY 2018: 7.5×FY 2019: 10.7×FY 2020: 6.0×FY 2021: 4.8×FY 2022: 4.9×FY 2023: 5.4×FY 2024: 6.1×
FY 2015 5y median 5.4× FY 2024
P/S 1.0×
FY 2015: 0.9×FY 2016: 0.9×FY 2017: 1.4×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 1.2×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.0×
FY 2015 5y median 1.1× FY 2024
P/B 0.6×
FY 2015: 0.8×FY 2016: 0.7×FY 2017: 1.1×FY 2018: 1.8×FY 2019: 1.4×FY 2020: 0.9×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.6×
FY 2015 5y median 0.8× FY 2024
P/FCF -0.8×
FY 2015: 2.8×FY 2016: -136×FY 2017: -2.3×FY 2018: -5.4×FY 2019: -3.8×FY 2020: -2.8×FY 2021: -1.7×FY 2022: -2.1×FY 2023: -2.2×FY 2024: -0.8×
FY 2015 5y median -2.1× FY 2024
EV/EBITDA 199×
FY 2015: 0.4×FY 2016: 0.3×FY 2017: 1.8×FY 2018: 2.1×FY 2019: 2.7×FY 2020: 2.9×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 0.8×FY 2024: 199×
FY 2015 5y median 1.5× FY 2024
EV/Sales 1.2×
FY 2015: 0.5×FY 2016: 0.4×FY 2017: 2.0×FY 2018: 1.8×FY 2019: 1.8×FY 2020: 2.2×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 0.7×FY 2024: 1.2×
FY 2015 5y median 1.2× FY 2024
FCF Yield -118.0%
FY 2015: 35.2%FY 2016: -0.7%FY 2017: -44.3%FY 2018: -18.7%FY 2019: -26.6%FY 2020: -36.3%FY 2021: -58.3%FY 2022: -47.5%FY 2023: -45.6%FY 2024: -118.0%
FY 2015 5y median -47.5% FY 2024

Profitability

Gross Margin 100.0%
FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 48.8%FY 2022: 50.4%FY 2023: 100.0%FY 2024: 100.0%
FY 2015 5y median 100.0% FY 2024
Operating Margin 41.9%
FY 2015: 69.7%FY 2016: 65.7%FY 2017: 54.3%FY 2018: 30.3%FY 2019: 24.3%FY 2020: 29.2%FY 2021: 36.3%FY 2022: 32.4%FY 2023: 44.5%FY 2024: 41.9%
FY 2015 5y median 36.3% FY 2024
Net Margin 19.3%
FY 2015: 14.8%FY 2016: 17.9%FY 2017: 14.2%FY 2018: 25.1%FY 2019: 16.0%FY 2020: 19.7%FY 2021: 25.7%FY 2022: 23.4%FY 2023: 23.1%FY 2024: 19.3%
FY 2015 5y median 23.1% FY 2024
ROE 12.3%
FY 2015: 12.1%FY 2016: 12.8%FY 2017: 11.7%FY 2018: 23.5%FY 2019: 12.8%FY 2020: 15.6%FY 2021: 18.3%FY 2022: 16.0%FY 2023: 14.2%FY 2024: 12.3%
FY 2015 5y median 15.6% FY 2024
ROIC 42.8%
FY 2015: 5.8%FY 2016: 4.4%FY 2017: 3.4%FY 2018: 3.1%FY 2019: 2.2%FY 2020: 2.1%FY 2021: 2.9%FY 2022: 2.8%FY 2023: 27.1%FY 2024: 42.8%
FY 2015 5y median 2.9% FY 2024
ROA 1.6%
FY 2015: 1.9%FY 2016: 1.9%FY 2017: 1.1%FY 2018: 2.8%FY 2019: 1.8%FY 2020: 1.8%FY 2021: 2.6%FY 2022: 2.5%FY 2023: 2.2%FY 2024: 1.6%
FY 2015 5y median 2.2% FY 2024

Growth (YoY)

Revenue 9.7%
FY 2015: 5.1%FY 2016: -0.4%FY 2017: -7.1%FY 2018: 70.3%FY 2019: 14.7%FY 2020: 18.2%FY 2021: 26.3%FY 2022: 10.1%FY 2023: -0.6%FY 2024: 9.7%
FY 2015 FY 2024
Operating Income 3.3%
FY 2015: 5.3%FY 2016: -6.2%FY 2017: -23.2%FY 2018: -5.1%FY 2019: -8.0%FY 2020: 42.3%FY 2021: 56.9%FY 2022: -1.8%FY 2023: 36.6%FY 2024: 3.3%
FY 2015 FY 2024
EPS (diluted) -10.2%
FY 2015: 7.9%FY 2016: 20.2%FY 2017: -46.9%FY 2018: 28.8%FY 2019: -26.9%FY 2020: 44.9%FY 2021: 54.9%FY 2022: -4.1%FY 2023: -11.4%FY 2024: -10.2%
FY 2015 FY 2024
Free Cash Flow -158.8%
FY 2015: 552.1%FY 2016: -102.1%FY 2017: -8227.2%FY 2018: 1.5%FY 2019: -48.3%FY 2020: -11.7%FY 2021: -110.7%FY 2022: 16.9%FY 2023: 6.6%FY 2024: -158.8%
FY 2015 FY 2024

Financial Health

Current Ratio 0.0×
FY 2015: 4.1×FY 2016: 13.5×FY 2017: 9.5×FY 2018: 71.8×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024
Quick Ratio 0.0×
FY 2015: 4.1×FY 2016: 13.5×FY 2017: 9.5×FY 2018: 71.8×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024
Debt / Equity 0.2×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 1.2×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 1.6×FY 2021: 0.5×FY 2022: 0.1×FY 2023: 0.3×FY 2024: 0.2×
FY 2015 5y median 0.3× FY 2024
Net Debt / EBITDA 35.8×
FY 2015: -0.3×FY 2016: -0.4×FY 2017: 0.6×FY 2018: -0.2×FY 2019: 0.1×FY 2020: 1.4×FY 2021: 0.0×FY 2022: 0.1×FY 2023: -0.4×FY 2024: 35.8×
FY 2015 5y median 0.1× FY 2024
Interest Coverage 0.0×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 6.0×FY 2022: 3.6×FY 2023: 0.0×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024

Dividends

Dividend Yield 6.4%
FY 2015: 0.0%FY 2016: 0.0%FY 2017: 37.6%FY 2018: 1.2%FY 2019: 2.1%FY 2020: 2.8%FY 2021: 3.8%FY 2022: 4.4%FY 2023: 4.9%FY 2024: 6.4%
FY 2015 5y median 4.4% FY 2024
Payout Ratio 33.6%
FY 2015: 0.0%FY 2016: 0.0%FY 2017: 364.1%FY 2018: 9.1%FY 2019: 22.0%FY 2020: 16.6%FY 2021: 18.4%FY 2022: 21.4%FY 2023: 23.5%FY 2024: 33.6%
FY 2015 5y median 21.4% FY 2024

Annual · latest fiscal year ends 2024-12-31