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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.94
TBNC's Cash to Debt is ranked higher than
71% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. TBNC: 1.94 )
TBNC' s 10-Year Cash to Debt Range
Min: 0.31   Max: No Debt
Current: 1.94

Equity to Asset 0.14
TBNC's Equity to Asset is ranked higher than
91% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TBNC: 0.14 )
TBNC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.55
Current: 0.14

0.08
0.55
Interest Coverage 6.01
TBNC's Interest Coverage is ranked higher than
93% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. TBNC: 6.01 )
TBNC' s 10-Year Interest Coverage Range
Min: 0.01   Max: 6.01
Current: 6.01

0.01
6.01
F-Score: 3
Z-Score: 0.23
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 : 3/10

vs
industry
vs
history
Operating margin (%) 16.24
TBNC's Operating margin (%) is ranked higher than
56% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. TBNC: 16.24 )
TBNC' s 10-Year Operating margin (%) Range
Min: -1502.27   Max: 16.24
Current: 16.24

-1502.27
16.24
Net-margin (%) 20.89
TBNC's Net-margin (%) is ranked higher than
74% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. TBNC: 20.89 )
TBNC' s 10-Year Net-margin (%) Range
Min: -1502.27   Max: 20.89
Current: 20.89

-1502.27
20.89
ROE (%) 20.01
TBNC's ROE (%) is ranked higher than
97% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. TBNC: 20.01 )
TBNC' s 10-Year ROE (%) Range
Min: -33.16   Max: 20.01
Current: 20.01

-33.16
20.01
ROA (%) 2.83
TBNC's ROA (%) is ranked higher than
97% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. TBNC: 2.83 )
TBNC' s 10-Year ROA (%) Range
Min: -6.39   Max: 2.83
Current: 2.83

-6.39
2.83
ROC (Joel Greenblatt) (%) 129.65
TBNC's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. TBNC: 129.65 )
TBNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -484.74   Max: 785.28
Current: 129.65

-484.74
785.28
Revenue Growth (%) -10.20
TBNC's Revenue Growth (%) is ranked higher than
55% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TBNC: -10.20 )
TBNC' s 10-Year Revenue Growth (%) Range
Min: -13.4   Max: 473.3
Current: -10.2

-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) 8.60
TBNC's P/E(ttm) is ranked higher than
95% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. TBNC: 8.60 )
TBNC' s 10-Year P/E(ttm) Range
Min: 2.21   Max: 100
Current: 8.6

2.21
100
P/B 1.13
TBNC's P/B is ranked higher than
71% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TBNC: 1.13 )
TBNC' s 10-Year P/B Range
Min: 0.24   Max: 2.07
Current: 1.13

0.24
2.07
P/S 1.21
TBNC's P/S is ranked higher than
92% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. TBNC: 1.21 )
TBNC' s 10-Year P/S Range
Min: 0.16   Max: 20
Current: 1.21

0.16
20
EV-to-EBIT 10.59
TBNC's EV-to-EBIT is ranked higher than
92% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. TBNC: 10.59 )
TBNC' s 10-Year EV-to-EBIT Range
Min: 6.6   Max: 1519.6
Current: 10.59

6.6
1519.6

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 9.40
TBNC's Earnings Yield (Greenblatt) is ranked higher than
88% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. TBNC: 9.40 )
TBNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 15.2
Current: 9.4

0.1
15.2
Forward Rate of Return (Yacktman) -3.42
TBNC's Forward Rate of Return (Yacktman) is ranked higher than
50% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. TBNC: -3.42 )
TBNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.7   Max: 22.5
Current: -3.42

-5.7
22.5

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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