TCF Financial Corp (TCF) Fundamental Analysis & Valuation

NYSE:TCF

45.18
-1.53 (-3.28%)
At close: Jun 8, 2021
45.25
+0.07 (+0.15%)
After Hours: 6/8/2021, 8:16:42 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

2

Taking everything into account, TCF scores 2 out of 10 in our fundamental rating. TCF was compared to 379 industry peers in the Banks industry. TCF may be in some trouble as it scores bad on both profitability and health. TCF is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

0

1. TCF Profitability Analysis

1.1 Basic Checks

  • TCF had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 0.59%
ROE 5.26%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

  • TCF 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) 14.49%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. TCF Health Analysis

2.1 Basic Checks

  • TCF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

  • TCF has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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

5

3. TCF Growth Analysis

3.1 Past

  • TCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.07%.
  • The Earnings Per Share has been growing slightly by 0.08% on average over the past years.
  • Looking at the last year, TCF shows a small growth in Revenue. The Revenue has grown by 4.90% in the last year.
  • TCF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 42.13% yearly.
EPS 1Y (TTM)-25.07%
EPS 3Y-7.91%
EPS 5Y0.08%
EPS Q2Q%47.37%
Revenue 1Y (TTM)4.9%
Revenue growth 3Y14.36%
Revenue growth 5Y42.13%
Sales Q2Q%-4.56%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.78% on average over the next years.
  • The Revenue is expected to grow by 1.64% on average over the next years.
EPS Next Y41.64%
EPS Next 2Y18.61%
EPS Next 3Y12.11%
EPS Next 5Y6.78%
Revenue Next Year0.96%
Revenue Next 2Y0.97%
Revenue Next 3Y1.78%
Revenue Next 5Y1.64%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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 decreasing.
TCF Yearly Revenue VS EstimatesTCF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
TCF Yearly EPS VS EstimatesTCF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

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3

4. TCF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.98 indicates a correct valuation of TCF.
  • When comparing the Price/Earnings ratio of TCF to the average of the S&P500 Index (26.74), we can say TCF is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 13.44, TCF is valued correctly.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.82, TCF is valued a bit cheaper.
Industry RankSector Rank
PE 16.98
Fwd PE 13.44
TCF Price Earnings VS Forward Price EarningsTCF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TCF Per share dataTCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • TCF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • TCF's earnings are expected to grow with 12.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)202.46
EPS Next 2Y18.61%
EPS Next 3Y12.11%

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

4

5. TCF Dividend Analysis

5.1 Amount

  • TCF has a Yearly Dividend Yield of 3.10%.
  • Compared to an average S&P500 Dividend Yield of 1.82, TCF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.1%

5.2 History

  • The dividend of TCF has a limited annual growth rate of 5.77%.
  • TCF has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)5.77%
Div Incr YearsN/A
Div Non Decr YearsN/A
TCF Yearly Dividends per shareTCF Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 76.41% of the earnings are spent on dividend by TCF. This is not a sustainable payout ratio.
  • TCF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP76.41%
EPS Next 2Y18.61%
EPS Next 3Y12.11%
TCF Dividend Payout.TCF Dividend Payout, showing the Payout Ratio.TCF Dividend Payout.PayoutRetained Earnings

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TCF Fundamentals: All Metrics, Ratios and Statistics

TCF Financial Corp

NYSE:TCF (6/8/2021, 8:16:42 PM)

After market: 45.25 +0.07 (+0.15%)

45.18

-1.53 (-3.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)01-21
Inst Owners0%
Inst Owner Change0%
Ins Owners0.55%
Ins Owner Change0%
Market Cap6.90B
Revenue(TTM)2.03B
Net Income(TTM)294.20M
Analysts76.4
Price Target48.82 (8.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
Yearly Dividend1.4
Dividend Growth(5Y)5.77%
DP76.41%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.98
Fwd PE 13.44
P/S 3.4
P/FCF N/A
P/OCF N/A
P/B 1.23
P/tB N/A
EV/EBITDA N/A
EPS(TTM)2.66
EY5.89%
EPS(NY)3.36
Fwd EY7.44%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS13.3
BVpS36.63
TBVpSN/A
PEG (NY)0.41
PEG (5Y)202.46
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 5.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.49%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-25.07%
EPS 3Y-7.91%
EPS 5Y0.08%
EPS Q2Q%47.37%
EPS Next Y41.64%
EPS Next 2Y18.61%
EPS Next 3Y12.11%
EPS Next 5Y6.78%
Revenue 1Y (TTM)4.9%
Revenue growth 3Y14.36%
Revenue growth 5Y42.13%
Sales Q2Q%-4.56%
Revenue Next Year0.96%
Revenue Next 2Y0.97%
Revenue Next 3Y1.78%
Revenue Next 5Y1.64%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

TCF Financial Corp / TCF FAQ

Can you provide the ChartMill fundamental rating for TCF Financial Corp?

ChartMill assigns a fundamental rating of 3 / 10 to TCF.


What is the valuation status for TCF stock?

ChartMill assigns a valuation rating of 4 / 10 to TCF Financial Corp (TCF). This can be considered as Fairly Valued.


Can you provide the profitability details for TCF Financial Corp?

TCF Financial Corp (TCF) has a profitability rating of 2 / 10.


What is the valuation of TCF Financial Corp based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TCF Financial Corp (TCF) is 16.98 and the Price/Book (PB) ratio is 1.23.


What is the expected EPS growth for TCF Financial Corp (TCF) stock?

The Earnings per Share (EPS) of TCF Financial Corp (TCF) is expected to grow by 41.64% in the next year.