Community Financial Corporation (TCFC) Fundamental Analysis & Valuation

NASDAQ:TCFC • US20368X1019

Current stock price

27.09 USD
-0.43 (-1.56%)
At close:
27.09 USD
0 (0%)
After Hours:

This TCFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TCFC Profitability Analysis

1.1 Basic Checks

  • In the past year TCFC was profitable.
  • TCFC had a positive operating cash flow in the past year.
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 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M

1.2 Ratios

  • TCFC has a Return On Assets of 1.21%. This is in the better half 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 2016 2017 2018 2019 2020 2021 2022 5 10 15

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.
  • In the last couple of years the Profit Margin of TCFC has grown nicely.
  • TCFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 2021 2022 10 20 30

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2

2. TCFC Health Analysis

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 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 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.
  • TCFC has a Debt to FCF ratio (1.69) which is in line with its industry peers.
  • TCFC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • TCFC has a Debt to Equity ratio (0.16) which is in line with its industry peers.
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 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 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. TCFC Growth Analysis

3.1 Past

  • TCFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.44%, which is quite good.
  • The Earnings Per Share has been growing by 18.45% on average over the past years. This is quite good.
  • Looking at the last year, TCFC shows a quite strong growth in Revenue. The Revenue has grown by 12.42% in the last year.
  • 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

  • The Earnings Per Share is expected to decrease by -0.79% on average over the next years.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
TCFC Yearly Revenue VS EstimatesTCFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

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6

4. TCFC Valuation Analysis

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.
  • When comparing the Price/Earnings ratio of TCFC to the average of the S&P500 Index (24.75), we can say TCFC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 5.37, which indicates a rather cheap valuation of TCFC.
  • 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 22.10, which is the current average of the S&P500 Index.
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 5 10 15 20

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 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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. TCFC Dividend Analysis

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 2.66, TCFC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, TCFC pays a bit more dividend than the S&P500 average.
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 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
TCFC Yearly Dividends per shareTCFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6

5.3 Sustainability

  • TCFC pays out 12.72% of its income as dividend. This is a 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 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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TCFC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)07-24
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 Fundamental Analysis 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%.