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Community Financial Corporation (TCFC) Stock Fundamental Analysis

USA - NASDAQ:TCFC - US20368X1019 - Common Stock

27.09 USD
-0.43 (-1.56%)
Last: 6/30/2023, 8:00:01 PM
27.09 USD
0 (0%)
After Hours: 6/30/2023, 8:00:01 PM
Fundamental Rating

4

TCFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. TCFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. TCFC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

TCFC had positive earnings in the past year.
TCFC had a positive operating cash flow in the past year.
In the past 5 years TCFC has always been profitable.
In the past 5 years TCFC always reported a positive cash flow from operatings.
TCFC Yearly Net Income VS EBIT VS OCF VS FCFTCFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M

1.2 Ratios

TCFC's Return On Assets of 1.21% is fine compared to the rest of the industry. TCFC outperforms 67.14% of its industry peers.
With a decent Return On Equity value of 14.77%, TCFC is doing good in the industry, outperforming 78.25% of the companies in the same industry.
Industry RankSector Rank
ROA 1.21%
ROE 14.77%
ROIC N/A
ROA(3y)1.03%
ROA(5y)0.92%
ROE(3y)11.91%
ROE(5y)10.28%
ROIC(3y)N/A
ROIC(5y)N/A
TCFC Yearly ROA, ROE, ROICTCFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

TCFC has a better Profit Margin (35.58%) than 83.92% of its industry peers.
In the last couple of years the Profit Margin of TCFC has grown nicely.
The Operating Margin and Gross Margin are not available for TCFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 35.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.23%
PM growth 5Y18.44%
GM growth 3YN/A
GM growth 5YN/A
TCFC Yearly Profit, Operating, Gross MarginsTCFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 10 20 30

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2

2. Health

2.1 Basic Checks

TCFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TCFC has less shares outstanding
The debt/assets ratio for TCFC is higher compared to a year ago.
TCFC Yearly Shares OutstandingTCFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M 4M 5M
TCFC Yearly Total Debt VS Total AssetsTCFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of TCFC is 1.69, which is an excellent value as it means it would take TCFC, only 1.69 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of TCFC (1.69) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.16 indicates that TCFC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.16, TCFC perfoms like the industry average, outperforming 46.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.69
Altman-Z N/A
ROIC/WACCN/A
WACC8.67%
TCFC Yearly LT Debt VS Equity VS FCFTCFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TCFC Yearly Current Assets VS Current LiabilitesTCFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.44% over the past year.
The Earnings Per Share has been growing by 18.45% on average over the past years. This is quite good.
The Revenue has grown by 12.42% in the past year. This is quite good.
The Revenue has been growing by 11.00% on average over the past years. This is quite good.
EPS 1Y (TTM)18.44%
EPS 3Y23.25%
EPS 5Y18.45%
EPS Q2Q%18.18%
Revenue 1Y (TTM)12.42%
Revenue growth 3Y10.46%
Revenue growth 5Y11%
Sales Q2Q%14.49%

3.2 Future

TCFC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.79% yearly.
TCFC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.60% yearly.
EPS Next Y-2.87%
EPS Next 2Y-0.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.28%
Revenue Next 2Y11.6%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
TCFC Yearly Revenue VS EstimatesTCFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TCFC Yearly EPS VS EstimatesTCFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 5.08, the valuation of TCFC can be described as very cheap.
Based on the Price/Earnings ratio, TCFC is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.89. TCFC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.37, which indicates a rather cheap valuation of TCFC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TCFC indicates a rather cheap valuation: TCFC is cheaper than 88.18% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, TCFC is valued rather cheaply.
Industry RankSector Rank
PE 5.08
Fwd PE 5.37
TCFC Price Earnings VS Forward Price EarningsTCFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

TCFC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TCFC is cheaper than 71.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.9
EV/EBITDA N/A
TCFC Per share dataTCFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y-0.79%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

TCFC has a Yearly Dividend Yield of 2.58%. Purely for dividend investing, there may be better candidates out there.
TCFC's Dividend Yield is slightly below the industry average, which is at 3.38.
Compared to an average S&P500 Dividend Yield of 2.36, TCFC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.58%

5.2 History

The dividend of TCFC is nicely growing with an annual growth rate of 11.07%!
TCFC has paid a dividend for at least 10 years, which is a reliable track record.
As TCFC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)11.07%
Div Incr Years2
Div Non Decr Years7
TCFC Yearly Dividends per shareTCFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6

5.3 Sustainability

12.72% of the earnings are spent on dividend by TCFC. This is a low number and sustainable payout ratio.
DP12.72%
EPS Next 2Y-0.79%
EPS Next 3YN/A
TCFC Yearly Income VS Free CF VS DividendTCFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M
TCFC Dividend Payout.TCFC Dividend Payout, showing the Payout Ratio.TCFC Dividend Payout.PayoutRetained Earnings

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Community Financial Corporation

NASDAQ:TCFC (6/30/2023, 8:00:01 PM)

After market: 27.09 0 (0%)

27.09

-0.43 (-1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2023-04-25/amc
Earnings (Next)07-24 2023-07-24/amc
Inst Owners0.29%
Inst Owner Change-99.32%
Ins Owners0.88%
Ins Owner Change0%
Market Cap153.58M
Revenue(TTM)82.52M
Net Income(TTM)29.36M
Analysts80
Price Target45.9 (69.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.58%
Yearly Dividend0.66
Dividend Growth(5Y)11.07%
DP12.72%
Div Incr Years2
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.35%
Min EPS beat(2)2.78%
Max EPS beat(2)5.91%
EPS beat(4)4
Avg EPS beat(4)9.22%
Min EPS beat(4)2.78%
Max EPS beat(4)16.26%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)3.76%
Min Revenue beat(2)-7.31%
Max Revenue beat(2)14.82%
Revenue beat(4)3
Avg Revenue beat(4)5.78%
Min Revenue beat(4)-7.31%
Max Revenue beat(4)14.82%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 5.08
Fwd PE 5.37
P/S 1.86
P/FCF 4.9
P/OCF 4.68
P/B 0.77
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)5.33
EY19.68%
EPS(NY)5.05
Fwd EY18.64%
FCF(TTM)5.53
FCFY20.42%
OCF(TTM)5.79
OCFY21.36%
SpS14.55
BVpS35.07
TBVpS33.06
PEG (NY)N/A
PEG (5Y)0.28
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 14.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.58%
GM N/A
FCFM N/A
ROA(3y)1.03%
ROA(5y)0.92%
ROE(3y)11.91%
ROE(5y)10.28%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.23%
PM growth 5Y18.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.69
Debt/EBITDA N/A
Cap/Depr 68.5%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.67%
ROIC/WACCN/A
Cap/Depr(3y)73.51%
Cap/Depr(5y)65.53%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)136.72%
Profit Quality(5y)132.9%
High Growth Momentum
Growth
EPS 1Y (TTM)18.44%
EPS 3Y23.25%
EPS 5Y18.45%
EPS Q2Q%18.18%
EPS Next Y-2.87%
EPS Next 2Y-0.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.42%
Revenue growth 3Y10.46%
Revenue growth 5Y11%
Sales Q2Q%14.49%
Revenue Next Year20.28%
Revenue Next 2Y11.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.55%
FCF growth 3Y31.58%
FCF growth 5Y29.47%
OCF growth 1Y12.16%
OCF growth 3Y31.19%
OCF growth 5Y28.53%

Community Financial Corporation / TCFC FAQ

Can you provide the ChartMill fundamental rating for Community Financial Corporation?

ChartMill assigns a fundamental rating of 7 / 10 to TCFC.


Can you provide the valuation status for Community Financial Corporation?

ChartMill assigns a valuation rating of 10 / 10 to Community Financial Corporation (TCFC). This can be considered as Undervalued.


What is the profitability of TCFC stock?

Community Financial Corporation (TCFC) has a profitability rating of 9 / 10.


Can you provide the PE and PB ratios for TCFC stock?

The Price/Earnings (PE) ratio for Community Financial Corporation (TCFC) is 5.08 and the Price/Book (PB) ratio is 0.77.


Can you provide the dividend sustainability for TCFC stock?

The dividend rating of Community Financial Corporation (TCFC) is 5 / 10 and the dividend payout ratio is 12.72%.