TECTP Stock Financial Analysis - Tectonic Financial, Inc.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 79.40 MM.
The operating income for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 21.69 MM.
The net income for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 16.45 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	79.40	21.69	16.45
2025-03-31	76.53	20.09	15.33
2024-12-31	72.24	18.32	13.94
2024-09-30	68.46	17.47	14.26
2024-06-30	66.24	17.11	13.69
2024-03-31	64.89	16.97	13.57
2023-12-31	65.88	19.06	15.22
2023-09-30	66.26	19.78	15.45
2023-06-30	66.01	20.07	15.74
2023-03-31	67.63	22.12	17.46
2022-12-31	66.26	21.45	17.03
2022-09-30	65.46	21.79	17.36
2022-06-30	65.68	22.73	18.05
2022-03-31	62.10	21.61	17.02
2021-12-31	60.17	21.84	17.03
2021-09-30	60.63	21.39	16.68
2021-06-30	55.30	18.46	14.43
2021-03-31	51.04	16.37	12.82
2020-12-31	47.62	13.92	10.93
2020-09-30	41.98	12.28	9.56

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31	1.90	1.88
2024-12-31	1.71	1.68
2024-09-30	1.78	1.73
2024-06-30	1.72	1.67
2024-03-31	1.70	1.65
2023-12-31	1.94	1.87
2023-09-30	1.97	1.90
2023-06-30	2.01	1.93
2023-03-31	2.25	2.17
2022-12-31	2.19	2.11
2022-09-30	2.24	2.15
2022-06-30	2.34	2.25
2022-03-31	2.23	2.15
2021-12-31	2.28	2.21
2021-09-30	2.26	2.21
2021-06-30	1.96	1.94
2021-03-31	1.72	1.70
2020-12-31	1.43	1.42
2020-09-30	1.18	1.18

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is -120.88 MM.
The cash from investing activities for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is -44.64 MM.
The cash from financing activities for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 201.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-120.88	-44.64	201.00
2025-03-31	-119.09	-55.16	114.77
2024-12-31	-86.63	-74.03	165.62
2024-09-30	-73.06	-69.82	197.90
2024-06-30	-55.75	-56.87	135.61
2024-03-31	-39.46	-38.63	128.43
2023-12-31	-33.19	-0.64	50.44
2023-09-30	-29.80	9.73	26.17
2023-06-30	-25.03	8.85	19.92
2023-03-31	-23.14	12.28	47.72
2022-12-31	-35.79	21.17	10.78
2022-09-30	-43.41	45.50	-4.42
2022-06-30	-52.72	46.15	-31.78
2022-03-31	-47.49	74.68	-32.30
2021-12-31	-43.03	29.48	12.68
2021-09-30	-27.50	29.34	-4.36
2021-06-30	-28.62	15.37	12.92
2021-03-31	-25.25	-108.01	106.31
2020-12-31	-20.45	-87.44	134.55
2020-09-30	-17.09	-103.31	150.56

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31	4.85	0.67	0.83
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit (3y)/ev for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 0.56.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30		0.56
2025-03-31	0.55	0.54
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 0.02.
The roe for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 0.14.
The roic for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 0.11.
The croic for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is -0.42.
The ocroic for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is -0.84.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.02	0.14	0.11	-0.42	-0.84
2025-03-31	0.02	0.14	0.11	-0.42	-0.84
2024-12-31	0.02	0.13	0.10	0.04	-0.63
2024-09-30	0.02	0.14	0.10	0.37	-0.50
2024-06-30		0.14
2024-03-31		0.16
2023-12-31			0.14	0.06
2023-09-30			0.15	0.04
2023-06-30		0.17	0.15	0.04
2023-03-31		0.20	0.17	0.36
2022-12-31
2022-09-30
2022-06-30		0.27
2022-03-31		0.27	0.19
2021-12-31
2021-09-30	0.00	0.00
2021-06-30	0.03		0.14	-0.00	-0.29
2021-03-31	0.03	0.24	0.07	-0.15	-0.14
2020-12-31	0.03		0.11	0.28	-0.21
2020-09-30	0.03	0.20	0.06	0.19	-0.11

Gross Margins

The gross margin for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 1.00.
The net margin for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 0.20.
The operating margin for Tectonic Financial, Inc. - Preferred Stock as of June 30, 2025 is 0.26.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.20	0.26
2025-03-31	1.00	0.20	0.26
2024-12-31	1.00	0.19	0.25
2024-09-30	1.00	0.21	0.26
2024-06-30	1.00	0.21	0.26
2024-03-31		0.23	0.29
2023-12-31
2023-09-30		0.24	0.30
2023-06-30		0.24	0.30
2023-03-31		0.26	0.33
2022-12-31
2022-09-30
2022-06-30
2022-03-31		0.27	0.35
2021-12-31
2021-09-30
2021-06-30
2021-03-31	1.00	0.25	0.32
2020-12-31	1.00	0.23	0.29
2020-09-30	1.00	0.23	0.29

TECTP Stock Financial Analysis - Tectonic Financial, Inc. - Preferred Stock (NasdaqCM) Stock