Touchmark Bancshares, Inc. TMAK

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12.00 USD +1.00 +9.09%

At close · Oct 30

11.15 Day range 12.00
9.00 52-week range 12.00
YTD
+20.00%
1 year
+29.03%
Open
11.15
Prev close
11.00
Mkt cap
53.36M
Vol
500
Avg vol
2.31K
EPS
0.47
P/E
25.53
More statistics
Low
11.15
High
12.00

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Financial health

Altman Z-Score

-0.54 Distress zone

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

Piotroski F-Score

5 / 9 Average

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

FMP rating

B-3 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 1
  • P/B 4

Valuation

P/E 20.8×
FY 2016: 10.6×FY 2017: 24.2×FY 2018: 6.5×FY 2019: 8.0×FY 2020: 7.0×FY 2021: 5.9×FY 2022: 7.9×FY 2023: 5.7×FY 2024: 9.9×FY 2025: 20.8×
FY 2016 5y median 7.9× FY 2025
P/S 1.8×
FY 2016: 1.9×FY 2017: 2.6×FY 2018: 1.7×FY 2019: 1.8×FY 2020: 1.4×FY 2021: 2.3×FY 2022: 2.7×FY 2023: 1.5×FY 2024: 1.1×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
P/B 0.6×
FY 2016: 0.8×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
P/FCF 6.0×
FY 2016: 15.5×FY 2017: 17.0×FY 2018: 4.7×FY 2019: 6.2×FY 2020: 8.0×FY 2021: 7.1×FY 2022: 6.1×FY 2023: 3.2×FY 2024: 4.2×FY 2025: 6.0×
FY 2016 5y median 6.0× FY 2025
EV/EBITDA -2.6×
FY 2016: 9.9×FY 2017: 13.7×FY 2018: 3.7×FY 2019: 3.9×FY 2020: 0.7×FY 2021: -4.3×FY 2022: 2.3×FY 2023: -0.1×FY 2024: -0.6×FY 2025: -2.6×
FY 2016 5y median -0.6× FY 2025
EV/Sales -0.9×
FY 2016: 1.8×FY 2017: 4.0×FY 2018: 1.8×FY 2019: 1.6×FY 2020: 0.3×FY 2021: -2.6×FY 2022: 1.3×FY 2023: -0.1×FY 2024: -0.2×FY 2025: -0.9×
FY 2016 5y median -0.2× FY 2025
FCF Yield 16.8%
FY 2016: 6.4%FY 2017: 5.9%FY 2018: 21.2%FY 2019: 16.2%FY 2020: 12.5%FY 2021: 14.1%FY 2022: 16.3%FY 2023: 30.9%FY 2024: 23.8%FY 2025: 16.8%
FY 2016 5y median 16.8% FY 2025

Profitability

Gross Margin 40.1%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 72.8%FY 2019: 64.6%FY 2020: 71.9%FY 2021: 89.3%FY 2022: 86.6%FY 2023: 54.3%FY 2024: 44.4%FY 2025: 40.1%
FY 2016 5y median 54.3% FY 2025
Operating Margin 11.3%
FY 2016: 27.3%FY 2017: 24.0%FY 2018: 34.7%FY 2019: 29.5%FY 2020: 27.0%FY 2021: 51.2%FY 2022: 45.2%FY 2023: 34.3%FY 2024: 14.0%FY 2025: 11.3%
FY 2016 5y median 34.3% FY 2025
Net Margin 8.8%
FY 2016: 17.4%FY 2017: 10.8%FY 2018: 26.0%FY 2019: 22.5%FY 2020: 20.8%FY 2021: 39.2%FY 2022: 34.2%FY 2023: 26.3%FY 2024: 10.7%FY 2025: 8.8%
FY 2016 5y median 26.3% FY 2025
ROE 3.0%
FY 2016: 7.2%FY 2017: 4.1%FY 2018: 10.9%FY 2019: 9.6%FY 2020: 8.2%FY 2021: 13.2%FY 2022: 9.0%FY 2023: 11.3%FY 2024: 5.2%FY 2025: 3.0%
FY 2016 5y median 9.0% FY 2025
ROIC 3.0%
FY 2016: 1.5%FY 2017: 2.7%FY 2018: 7.4%FY 2019: 1.3%FY 2020: 6.8%FY 2021: 12.5%FY 2022: 8.5%FY 2023: 9.9%FY 2024: 4.6%FY 2025: 3.0%
FY 2016 5y median 8.5% FY 2025
ROA 0.5%
FY 2016: 0.9%FY 2017: 0.5%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.1%FY 2021: 2.0%FY 2022: 1.7%FY 2023: 1.5%FY 2024: 0.8%FY 2025: 0.5%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue -30.1%
FY 2016: 32.2%FY 2017: 23.4%FY 2018: 18.6%FY 2019: 11.6%FY 2020: -1.2%FY 2021: -6.6%FY 2022: -18.9%FY 2023: 76.9%FY 2024: 14.4%FY 2025: -30.1%
FY 2016 FY 2025
Operating Income -43.8%
FY 2016: 33.6%FY 2017: 8.6%FY 2018: 71.3%FY 2019: -5.2%FY 2020: -9.6%FY 2021: 77.3%FY 2022: -28.5%FY 2023: 34.4%FY 2024: -53.4%FY 2025: -43.8%
FY 2016 FY 2025
EPS (diluted) -44.0%
FY 2016: 39.2%FY 2017: -40.8%FY 2018: 185.7%FY 2019: -3.3%FY 2020: -9.5%FY 2021: 77.1%FY 2022: -29.6%FY 2023: 36.6%FY 2024: -53.1%FY 2025: -44.0%
FY 2016 FY 2025
Free Cash Flow -15.1%
FY 2016: 14.5%FY 2017: 58.2%FY 2018: 178.6%FY 2019: -9.1%FY 2020: -39.7%FY 2021: 70.5%FY 2022: 7.9%FY 2023: 89.1%FY 2024: -37.5%FY 2025: -15.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 1.8×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 1.8×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.0×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -8.2×
FY 2016: -0.1×FY 2017: 4.7×FY 2018: 0.1×FY 2019: -0.5×FY 2020: -3.2×FY 2021: -8.1×FY 2022: -2.5×FY 2023: -3.4×FY 2024: -4.4×FY 2025: -8.2×
FY 2016 5y median -4.4× FY 2025
Interest Coverage 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.3×FY 2019: 0.8×FY 2020: 1.0×FY 2021: 4.8×FY 2022: 3.4×FY 2023: 0.8×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 6.5%
FY 2016: 0.0%FY 2017: 1.1%FY 2018: 2.2%FY 2019: 3.2%FY 2020: 4.1%FY 2021: 3.2%FY 2022: 4.9%FY 2023: 5.4%FY 2024: 7.8%FY 2025: 6.5%
FY 2016 5y median 5.4% FY 2025
Payout Ratio 135.3%
FY 2016: 0.0%FY 2017: 27.8%FY 2018: 14.2%FY 2019: 25.9%FY 2020: 28.5%FY 2021: 18.8%FY 2022: 38.1%FY 2023: 30.8%FY 2024: 77.8%FY 2025: 135.3%
FY 2016 5y median 38.1% FY 2025

Annual · latest fiscal year ends 2025-12-31