Tectonic Financial Inc PR (TECTP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Tectonic Financial Inc PR stock (TECTP) is currently trading at $9.99. Tectonic Financial Inc PR PE ratio is 4.64. Tectonic Financial Inc PR PS ratio (Price-to-Sales) is 0.50. WallStSmart rates TECTP as Hold.
- TECTP PE ratio analysis and historical PE chart
- TECTP PS ratio (Price-to-Sales) history and trend
- TECTP intrinsic value — DCF, Graham Number, EPV models
- TECTP stock price prediction 2025 2026 2027 2028 2029 2030
- TECTP fair value vs current price
- TECTP insider transactions and insider buying
- Is TECTP undervalued or overvalued?
- Tectonic Financial Inc PR financial analysis — revenue, earnings, cash flow
- TECTP Piotroski F-Score and Altman Z-Score
- TECTP analyst price target and Smart Rating
Tectonic Financial Inc PR
📊 No data available
Try selecting a different time range
TECTP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Tectonic Financial Inc PR (TECTP)
TECTP trades at a significant discount to its Graham intrinsic value of $100.76, offering a 90% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Tectonic Financial Inc PR (TECTP) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, eps growth. Concerns around market cap and institutional own.. Fundamentals are solid but monitor weak areas for improvement.
Tectonic Financial Inc PR (TECTP) Key Strengths (4)
Keeps $34 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Keeps $21 of every $100 in revenue as net profit
Strong earnings growth at 25.90% per year
Supporting Valuation Data
Tectonic Financial Inc PR (TECTP) Areas to Watch (4)
Very low institutional interest at 2.76%
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Solid revenue growth at 11.10% per year
Tectonic Financial Inc PR (TECTP) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C grade. Out of 8 metrics analyzed, 4 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Profit Margin. Valuation metrics including Price/Sales (0.50) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 33.60%, Profit Margin at 21.10%. Growth metrics are encouraging with EPS Growth at 25.90%.
The Bear Case
The primary concerns are Institutional Own., Market Cap, Return on Equity. Growth concerns include Revenue Growth at 11.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Sales) and negatives (Institutional Own., Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TECTP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TECTP's Price-to-Sales ratio of 0.50x trades 32% below its historical average of 0.73x (0th percentile). The current valuation is 61% below its historical high of 1.26x set in Jun 2019, and -1% above its historical low of 0.5x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~0.6x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Tectonic Financial Inc PR (TECTP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Tectonic Financial Inc PR is a mature, profitable business with steady cash generation. Revenue reached 81M with 11% growth year-over-year. Profit margins are strong at 21.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1480.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 21.1% and operating margin of 33.6% demonstrate strong pricing power and operational efficiency.
Free cash flow is -17M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Tectonic Financial Inc PR.
Bottom Line
Tectonic Financial Inc PR is a well-established business delivering consistent profitability with 21.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Tectonic Financial Inc PR(TECTP)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Tectonic Financial, Inc., a financial holding company, provides banking and financial products and services to individuals, small businesses, and high-net-worth institutions in the United States. The company is headquartered in Dallas, Texas.