TECTP · Tectonic Financial, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Price · TECTP
Income Statement
| Line item | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | $60.0K | - | - | - |
| Operating Income | $7.06M | $5.59M | $5.68M | - | $5.69M | $4.00M | $3.91M | - | $5.33M | $3.86M |
| Interest Expense | $9.34M | $8.53M | $8.33M | - | $8.41M | $7.79M | $7.20M | - | $5.13M | $4.43M |
| Income Tax | $1.56M | $1.32M | $1.23M | - | $952.0K | $853.0K | $848.0K | - | $1.16M | $839.0K |
| Net Income | $5.50M | $4.27M | $4.45M | - | $4.74M | $3.15M | $3.06M | - | $4.17M | $3.02M |
| EPS - Basic | $0.74 | $0.56 | $0.58 | - | $0.59 | $0.39 | $0.38 | - | $0.54 | $0.37 |
| EPS - Diluted | $0.73 | $0.55 | $0.57 | - | $0.58 | $0.38 | $0.37 | - | $0.52 | $0.36 |
Balance Sheet
| Line item | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $163.97M | $103.73M | $67.06M | $63.72M | $102.77M | $68.26M | $126.54M | $58.77M | $47.73M | $45.26M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.06B | $997.02M | $910.46M | $863.38M | $847.50M | $777.11M | $777.60M | $677.35M | $629.29M | $622.05M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $944.69M | $882.43M | $799.14M | $749.95M | $734.70M | $666.69M | $669.14M | $570.49M | $524.42M | $520.36M |
| Stockholders' Equity | $119.15M | $114.58M | $111.32M | $113.43M | $112.81M | $110.42M | $108.45M | $106.86M | $104.87M | $101.69M |
| Retained Earnings | $78.87M | $74.54M | $71.42M | $68.17M | $66.42M | $62.93M | $60.88M | $58.92M | $56.69M | $53.35M |
Cash Flow
| Line item | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | ($35.62M) | - | - | - | ($3.16M) | - | - | - |
| Investing Cash Flow | - | - | ($2.82M) | - | - | - | ($21.68M) | - | - | - |
| Financing Cash Flow | - | - | $41.77M | - | - | - | $92.62M | - | - | - |
| CapEx | - | - | $7.0K | - | - | - | $151.0K | - | - | - |
| Free Cash Flow | - | - | ($35.63M) | - | - | - | ($3.31M) | - | - | - |
Ratios
| Metric | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | -8.00 | - | - | - | -1.08 | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.2% | 23.7% | 21.6% | - | 16.7% | 21.3% | 21.7% | - | 21.7% | 21.7% |
| Return on assets | 0.5% | 0.4% | 0.5% | - | 0.6% | 0.4% | 0.4% | - | 0.7% | 0.5% |
| Return on equity | 4.6% | 3.7% | 4.0% | - | 4.2% | 2.8% | 2.8% | - | 4.0% | 3.0% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 0.8x | 0.7x | 0.7x | - | 0.7x | 0.5x | 0.5x | - | 1.0x | 0.9x |
| Equity multiplier | 8.93 | 8.70 | 8.18 | 7.61 | 7.51 | 7.04 | 7.17 | 6.34 | 6.00 | 6.12 |
| Liabilities / Assets | 0.89 | 0.89 | 0.88 | 0.87 | 0.87 | 0.86 | 0.86 | 0.84 | 0.83 | 0.84 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 24.0% | 39.9% | 45.4% | - | 6.9% | 3.6% | -34.8% | - | -5.1% | -34.7% |
| Net income growth (YoY) | 15.9% | 35.8% | 45.5% | - | 13.7% | 4.1% | -35.1% | - | -6.5% | -36.3% |
| EPS growth (YoY) | 25.9% | 44.7% | 54.1% | - | 11.5% | 5.6% | -37.3% | - | -7.1% | -39.0% |
| EPS CAGR (3y) | 9.2% | -2.3% | 2.5% | - | -3.7% | -8.7% | -14.4% | - | 11.0% | 11.5% |
| EPS CAGR (5y) | 13.9% | 16.2% | 13.0% | - | 15.7% | 4.8% | 32.7% | - | - | - |
| FCF growth (YoY) | - | - | -975.0% | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 5.6% | 3.8% | 2.6% | 6.2% | 7.6% | 8.6% | 8.9% | 10.7% | 12.1% | 12.0% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing Tectonic Financial against the 5 most active filers in the same SIC group.
Dividends
$0.28/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Feb 6, 2026 | $0.2769 |