Tectonic Financial Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Tectonic Financial Inc (TECTP) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Tectonic Financial Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 8M vs 119M combined for tracked competitors (6.3% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+4.2% annualized vs trailing 12 months).
- Peer revenue share: Tectonic Financial Inc accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
TECTP Sales vs. its Competitors, Q3 2025
Tectonic Financial Inc generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.
Tectonic Financial Inc vs. its Competitors, Q3 2025
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Tectonic Financial Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Tectonic Financial Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Tectonic Financial Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Tectonic Financial Inc's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 9.6% for Tectonic Financial Inc. Tectonic Financial Inc's share of combined industry revenue moved from 0.00% to 0.00%, a gain of 0.00 percentage points.
Tectonic Financial Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Tectonic Financial Inc | - | No | No | Yes |
| Competitors combined (1) | - |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
TECTP Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Tectonic Financial Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Tectonic Financial Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Tectonic Financial Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Tectonic Financial Inc | 68.70 | 8.00 |
| Bank Bradesco | 21,613.00 | 118.96 |
| SUBTOTAL | 21,681.70 | 126.96 |
Sources: Tectonic Financial Inc's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Tectonic Financial Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Tectonic Financial Inc's Competitors Named by the Company
Competitive relationships identified from Tectonic Financial Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Bradesco | Company report | 85% |
| Spirit Of Texas Bancshares Inc | Company report | 85% |
| First Foundation inc | Company report | 85% |
| Independent Bank Group Inc | Company report | 85% |
| Triumph Financial Inc | Company report | 85% |
| Crossfirst Bankshares inc | Company report | 85% |
| Red River Bancshares Inc | Company report | 85% |
| Allegiance Bancshares Inc. | Company report | 85% |
| Hancock Whitney Corporation | Company report | 85% |
| Southside Bancshares Inc | Company report | 85% |
| Business First Bancshares Inc | Company report | 85% |
| Southwest Bancorp Inc | Company report | 85% |
| Texas Community Bancshares inc | Company report | 85% |
| Hilltop Holdings Inc | Company report | 85% |
| New Peoples Bankshares Inc | Company report | 85% |
| Veritex Holdings inc | Company report | 85% |
| Green Bancorp, Inc. | Company report | 85% |
| South Plains Financial Inc | Company report | 85% |
| First Financial Bankshares Inc | Company report | 85% |
| International Bancshares Corporation | Company report | 85% |
| Texas Capital Bancshares Inc | Company report | 85% |
| Bank7 Corp | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| Third Coast Bancshares Inc | Company report | 85% |
| Heartland Financial Usa Inc | Company report | 85% |
| Prosperity Bancshares Inc | Company report | 85% |
| Origin Bancorp Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Tectonic Financial Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from Tectonic Financial Inc reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Tectonic Financial Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Tectonic Financial Inc | 69 | - | - |
| Bank Bradesco | 21,613 | 1,449 | 52,215 |
| PEERS TOTAL | 21,613 | 1,449 | 52,215 |
Tectonic Financial Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Tectonic Financial Inc's industry classification, broader than the peer set above. Market cap in millions of $.Tectonic Financial Inc ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 114,243 | 15.00 % |
| 2 | Deutsche Bank Aktiengesellschaft | 63,616 | 8.35 % |
| 3 | Ita Unibanco Holding S a | 54,492 | 7.16 % |
| 4 | Fifth Third Bancorp | 48,005 | 6.30 % |
| 5 | State Street Corp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | Tectonic Financial Inc | 72 | 0.00 % |
Market cap and industry share for the rest of Tectonic Financial Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-02-13.
Tectonic Financial Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 5.2x | - | - |
| EV / EBITDA | 0.0x | - | - |
| P/B | 0.6x | - | - |
| Return on Equity | 15.01 % | industry aggregate | 5.79 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Tectonic Financial Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue Growth | - | 99.74 % | -22.06 % | -27.39 % |
| Operating Margin | - | - | - | - |
| Return on Invested Capital | - | 4.75 % | - | - |
| P/E | - | 5.2x | 5.7x | 6.7x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Tectonic Financial Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Tectonic Financial Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Tectonic Financial Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Tectonic Financial Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 5.8 points above the industry aggregate.
- Latest-quarter revenue run-rate is accelerating (+4.2% annualized vs trailing 12 months).
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Tectonic Financial Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Tectonic Financial Inc | 0.24 | 0.80 | 0.16 |
| Bank Bradesco | 90.31 | 6.18 | - |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Tectonic Financial Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Tectonic Financial Inc | Q3 2025 | +9.6 % | +15.9 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| PEERS TOTAL | -71.4 % | +31.0 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Tectonic Financial Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Tectonic Financial Inc | Q3 2025 | +230.5 % | -50.0 % |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
Tectonic Financial Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Tectonic Financial Inc | 1.79% | 2.23% | 15.01% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Tectonic Financial Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Tectonic Financial Inc | 4.80 | 8.59 |
| Bank Bradesco | 0.91 | 181.69 |
| PEERS AVERAGE | 5.04 | 170.78 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.