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

  • TCFC had positive earnings in the past year.
  • In the past year TCFC had a positive cash flow from operations.
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's Return On Assets of 1.21% is fine compared to the rest of the industry. TCFC outperforms 67.14% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.77%, TCFC is in the better half of 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

  • Looking at the Profit Margin, with a value of 35.58%, TCFC belongs to the top 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.
  • The Operating Margin and Gross Margin are not available for TCFC so they could not be analyzed.
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.
  • TCFC has less shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, TCFC has a worse debt to assets ratio.
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

  • 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.
  • With a Debt to FCF ratio value of 1.69, TCFC perfoms like the industry average, outperforming 53.43% of the companies in the same 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 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

  • The Earnings Per Share has grown by an nice 18.44% over the past year.
  • Measured over the past years, TCFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.45% on average per year.
  • Looking at the last year, TCFC shows a quite strong growth in Revenue. The Revenue has grown by 12.42% in the last year.
  • 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

  • Based on estimates for the next years, TCFC will show a decrease in Earnings Per Share. The EPS will decrease by -0.79% on average per year.
  • 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 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.
  • The average S&P500 Price/Earnings ratio is at 27.15. TCFC is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 5.37, the valuation of TCFC can be described as very cheap.
  • TCFC's Price/Forward Earnings ratio is rather cheap when compared to the industry. TCFC is cheaper than 88.18% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of TCFC to the average of the S&P500 Index (22.12), we can say TCFC is valued rather cheaply.
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TCFC indicates a somewhat cheap valuation: TCFC is cheaper than 71.16% of the companies listed 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

More info and screens

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

5

5. TCFC Dividend Analysis

5.1 Amount

  • TCFC has a Yearly Dividend Yield of 2.58%.
  • TCFC's Dividend Yield is slightly below the industry average, which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, TCFC pays a bit more dividend than the S&P500 average.
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 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 Number0 (-100%)
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 for TCFC stock?

ChartMill assigns a valuation rating of 10 / 10 to Community Financial Corporation (TCFC). This can be considered as Undervalued.


How profitable is Community Financial Corporation (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.


Is the dividend of Community Financial Corporation sustainable?

The dividend rating of Community Financial Corporation (TCFC) is 5 / 10 and the dividend payout ratio is 12.72%.