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 383 industry peers in the Banks industry. Both the profitability and financial health of TCFC have multiple concerns. TCFC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year TCFC was profitable.
- TCFC had a positive operating cash flow in the past year.
1.2 Ratios
- With a decent Return On Assets value of 1.21%, TCFC is doing good in the industry, outperforming 67.14% of the companies in the same industry.
- 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
- With an excellent Profit Margin value of 35.58%, TCFC belongs to the best of the industry, outperforming 83.92% of the companies in the same industry.
- TCFC's Profit Margin has improved in the last couple of years.
- 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.
- TCFC has less shares outstanding than it did 1 year ago.
- Compared to 1 year ago, TCFC has a worse debt to assets ratio.
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.
- TCFC has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.
| 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.
- TCFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.42%.
- Measured over the past years, TCFC shows a quite strong growth in Revenue. The Revenue has been growing by 11.00% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 5.08 indicates a rather cheap valuation of TCFC.
- Compared to the rest of the industry, the Price/Earnings ratio of TCFC indicates a rather cheap valuation: TCFC is cheaper than 88.89% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.60, TCFC is valued rather cheaply.
- TCFC is valuated cheaply with a Price/Forward Earnings ratio of 5.37.
- Based on the Price/Forward Earnings ratio, TCFC is valued cheaply inside the industry as 88.18% of the companies are valued more expensively.
- TCFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.
| 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
- 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 2.60.
- TCFC's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector 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 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
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.
What is the valuation status of Community Financial Corporation (TCFC) stock?
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.
What is the valuation of Community Financial Corporation based on its PE and PB ratios?
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%.