Community Financial Corporation (TCFC) Stock Fundamental Analysis
USA - NASDAQ:TCFC - US20368X1019 - Common Stock
27.09 USD
-0.43 (-1.56%)
27.09 USD
0 (0%)
TCFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. TCFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. TCFC has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years TCFC has been profitable.
TCFC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of TCFC (1.21%) is better than 67.14% of its industry peers.
TCFC has a Return On Equity of 14.77%. This is in the better half of the industry: TCFC outperforms 78.25% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
2. Health
2.1 Basic Checks
TCFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TCFC has been reduced compared to 1 year ago.
TCFC has a worse debt/assets ratio than last year.
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.
TCFC's Debt to FCF ratio of 1.69 is in line compared to the rest of the industry. TCFC outperforms 53.43% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that TCFC is not too dependend on debt financing.
TCFC has a Debt to Equity ratio of 0.16. This is comparable to the rest of the industry: TCFC outperforms 46.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.44% over the past year.
TCFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.45% yearly.
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
The Earnings Per Share is expected to decrease by -0.79% on average over the next years.
The Revenue is expected to grow by 11.60% on average over the next years. This is quite good.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.08, which indicates a rather cheap valuation of TCFC.
88.89% of the companies in the same industry are more expensive than TCFC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.83. TCFC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.37, the valuation of TCFC can be described as very cheap.
Based on the Price/Forward Earnings ratio, TCFC is valued cheaper than 88.18% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. TCFC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.08 | ||
| Fwd PE | 5.37 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TCFC is valued a bit cheaper than the industry average as 71.16% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y-0.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.58%, TCFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.42, TCFC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, TCFC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.58% |
5.2 History
On average, the dividend of TCFC grows each year by 11.07%, which is quite nice.
TCFC has been paying a dividend for at least 10 years, so it has a reliable track record.
TCFC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)11.07%
Div Incr Years2
Div Non Decr Years7
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
27.09
-0.43 (-1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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%.