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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt No Debt
TBNC's Cash to Debt is ranked higher than
97% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. TBNC: No Debt )
Ranked among companies with meaningful Cash to Debt only.
TBNC' s 10-Year Cash to Debt Range
Min: 0.31  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.15
TBNC's Equity to Asset is ranked higher than
84% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TBNC: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
TBNC' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.12 Max: 0.55
Current: 0.15
0.08
0.55
Interest Coverage 6.36
TBNC's Interest Coverage is ranked higher than
85% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TBNC: 6.36 )
Ranked among companies with meaningful Interest Coverage only.
TBNC' s 10-Year Interest Coverage Range
Min: 0.01  Med: 2.60 Max: 6.36
Current: 6.36
0.01
6.36
F-Score: 5
WACC vs ROIC
4.89%
18.62%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating margin (%) 26.35
TBNC's Operating margin (%) is ranked lower than
60% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. TBNC: 26.35 )
Ranked among companies with meaningful Operating margin (%) only.
TBNC' s 10-Year Operating margin (%) Range
Min: -1502.27  Med: -2.88 Max: 22.03
Current: 26.35
-1502.27
22.03
Net-margin (%) 17.19
TBNC's Net-margin (%) is ranked lower than
67% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. TBNC: 17.19 )
Ranked among companies with meaningful Net-margin (%) only.
TBNC' s 10-Year Net-margin (%) Range
Min: -1502.27  Med: -2.88 Max: 20.89
Current: 17.19
-1502.27
20.89
ROE (%) 16.84
TBNC's ROE (%) is ranked higher than
85% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. TBNC: 16.84 )
Ranked among companies with meaningful ROE (%) only.
TBNC' s 10-Year ROE (%) Range
Min: -30.29  Med: -1.49 Max: 21.83
Current: 16.84
-30.29
21.83
ROA (%) 2.40
TBNC's ROA (%) is ranked higher than
90% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TBNC: 2.40 )
Ranked among companies with meaningful ROA (%) only.
TBNC' s 10-Year ROA (%) Range
Min: -4.6  Med: -0.15 Max: 3.16
Current: 2.4
-4.6
3.16
Revenue Growth (3Y)(%) -8.50
TBNC's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TBNC: -8.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TBNC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.4  Med: -7.70 Max: 473.3
Current: -8.5
-13.4
473.3
» TBNC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 7.00
TBNC's P/E(ttm) is ranked higher than
85% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. TBNC: 7.00 )
Ranked among companies with meaningful P/E(ttm) only.
TBNC' s 10-Year P/E(ttm) Range
Min: 2.21  Med: 7.62 Max: 100
Current: 7
2.21
100
PE(NRI) 7.00
TBNC's PE(NRI) is ranked higher than
85% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TBNC: 7.00 )
Ranked among companies with meaningful PE(NRI) only.
TBNC' s 10-Year PE(NRI) Range
Min: 2.21  Med: 7.62 Max: 105.56
Current: 7
2.21
105.56
P/B 1.09
TBNC's P/B is ranked lower than
54% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TBNC: 1.09 )
Ranked among companies with meaningful P/B only.
TBNC' s 10-Year P/B Range
Min: 0.24  Med: 0.93 Max: 2.07
Current: 1.09
0.24
2.07
P/S 1.20
TBNC's P/S is ranked higher than
88% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. TBNC: 1.20 )
Ranked among companies with meaningful P/S only.
TBNC' s 10-Year P/S Range
Min: 0.16  Med: 0.94 Max: 20
Current: 1.2
0.16
20
PFCF 3.24
TBNC's PFCF is ranked higher than
77% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. TBNC: 3.24 )
Ranked among companies with meaningful PFCF only.
TBNC' s 10-Year PFCF Range
Min: 3.12  Med: 11.88 Max: 576
Current: 3.24
3.12
576
POCF 3.19
TBNC's POCF is ranked higher than
76% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. TBNC: 3.19 )
Ranked among companies with meaningful POCF only.
TBNC' s 10-Year POCF Range
Min: 3.12  Med: 11.93 Max: 99999999.99
Current: 3.19
3.12
99999999.99
EV-to-EBIT 3.08
TBNC's EV-to-EBIT is ranked higher than
96% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. TBNC: 3.08 )
Ranked among companies with meaningful EV-to-EBIT only.
TBNC' s 10-Year EV-to-EBIT Range
Min: -380.3  Med: 4.70 Max: 1519.6
Current: 3.08
-380.3
1519.6
Shiller P/E 328.10
TBNC's Shiller P/E is ranked lower than
100% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. TBNC: 328.10 )
Ranked among companies with meaningful Shiller P/E only.
TBNC' s 10-Year Shiller P/E Range
Min: 342.5  Med: 345.00 Max: 365
Current: 328.1
342.5
365
Days Sales Outstanding 16.87
TBNC's Days Sales Outstanding is ranked higher than
84% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. TBNC: 16.87 )
Ranked among companies with meaningful Days Sales Outstanding only.
TBNC' s 10-Year Days Sales Outstanding Range
Min: 15.52  Med: 21.79 Max: 139.19
Current: 16.87
15.52
139.19

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
TBNC's Price/Tangible Book is ranked higher than
54% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TBNC: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
TBNC' s 10-Year Price/Tangible Book Range
Min: 0.27  Med: 0.93 Max: 1.7
Current: 1.09
0.27
1.7
Price/Projected FCF 1.35
TBNC's Price/Projected FCF is ranked lower than
87% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. TBNC: 1.35 )
Ranked among companies with meaningful Price/Projected FCF only.
TBNC' s 10-Year Price/Projected FCF Range
Min: 0.36  Med: 1.17 Max: 5.87
Current: 1.35
0.36
5.87
Price/Median PS Value 1.28
TBNC's Price/Median PS Value is ranked lower than
77% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TBNC: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
TBNC' s 10-Year Price/Median PS Value Range
Min: 0.17  Med: 0.91 Max: 19.23
Current: 1.28
0.17
19.23
Price/Graham Number 0.58
TBNC's Price/Graham Number is ranked higher than
75% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. TBNC: 0.58 )
Ranked among companies with meaningful Price/Graham Number only.
TBNC' s 10-Year Price/Graham Number Range
Min: 0.38  Med: 0.62 Max: 10.26
Current: 0.58
0.38
10.26
Earnings Yield (Greenblatt) (%) 32.50
TBNC's Earnings Yield (Greenblatt) (%) is ranked higher than
96% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. TBNC: 32.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TBNC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 11.60 Max: 939.8
Current: 32.5
0.1
939.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
T Bancshares, Inc. is a the bank holding company for T Bank, N.A., a national association. The Bank is a full-service commercial bank offering commercial and consumer banking services to small- to medium-sized businesses, single-family residential and commercial contractors and consumers. Lending services include commercial loans to small to medium-sized businesses and professional concerns as well as consumers. The Bank offers deposit services including demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit with fixed rates and maturity options. The Bank also offers wealth management and trust services. These services are provided through delivery systems including automated teller machines, private banking, telephone banking and Internet banking. Its primary service areas include North Dallas, Addison, Plano, Frisco, Southlake, Grapevine and the neighboring Texas communities.

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