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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

Overall TCFC gets a fundamental rating of 4 out of 10. We evaluated TCFC against 392 industry peers in the Banks industry. There are concerns on the financial health of TCFC while its profitability can be described as average. TCFC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

TCFC had positive earnings in the past year.
In the past year TCFC had a positive cash flow from operations.
Each year in the past 5 years TCFC has 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

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 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 Profit Margin of 35.58%. This is amongst the best in the industry. TCFC outperforms 83.92% of its industry peers.
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 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.
TCFC has less shares outstanding than it did 1 year ago.
TCFC has a worse debt/assets ratio than last year.
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

TCFC has a debt to FCF ratio of 1.69. This is a very positive value and a sign of high solvency as it would only need 1.69 years to pay back of 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 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

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.
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.
Based on estimates for the next years, TCFC will show a quite strong growth in Revenue. The Revenue will grow by 11.60% on average per year.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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

With a 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.
Compared to an average S&P500 Price/Earnings ratio of 27.20, TCFC is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.37, the valuation of TCFC can be described as very cheap.
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.
TCFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, 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 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TCFC is valued a bit 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

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 3.73, TCFC is paying slightly less dividend.
TCFC's Dividend Yield is comparable with the S&P500 average which is at 2.38.
Industry RankSector 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 paid a dividend for at least 10 years, which is 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 2015 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 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
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
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
ROICexcg growth 3YN/A
ROICexcg 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%