Community Financial Corporation (TCFC)
US20368X1019 - Common Stock
Taking everything into account, TCFC scores 4 out of 10 in our fundamental rating. TCFC was compared to 411 industry peers in the Banks industry. There are concerns on the financial health of TCFC while its profitability can be described as average. TCFC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
TCFC had positive earnings in the past year.
TCFC had a positive operating cash flow in the past year.
In the past 5 years TCFC has always been profitable.
Each year in the past 5 years TCFC had a positive operating cash flow.
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.
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
TCFC has a better Profit Margin (35.58%) than 83.92% of its industry peers.
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 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.
Compared to 1 year ago, TCFC has less shares outstanding
The number of shares outstanding for TCFC has been increased compared to 5 years ago.
Compared to 1 year ago, TCFC has a worse debt to assets ratio.
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's Debt to FCF ratio of 1.69 is in line compared to the rest of the industry. TCFC outperforms 53.43% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that TCFC is not too dependend on debt financing.
TCFC's Debt to Equity ratio of 0.16 is in line compared to the rest of the industry. TCFC outperforms 46.81% of its industry peers.
| 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
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.
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 growth Q2Q18.18%
Revenue 1Y (TTM)12.42%
Revenue growth 3Y10.46%
Revenue growth 5Y11%
Revenue growth Q2Q14.49%
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.
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
The Price/Earnings ratio is 5.08, which indicates a rather cheap valuation of TCFC.
88.89% of the companies in the same industry are more expensive than TCFC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.60. TCFC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.37, the valuation of TCFC can be described as very cheap.
Based on the Price/Forward Earnings ratio, TCFC is valued cheaply inside the industry as 88.18% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of TCFC to the average of the S&P500 Index (20.15), we can say TCFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.08 | ||
| Fwd PE | 5.37 |
4.2 Price Multiples
TCFC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TCFC is cheaper than 71.16% of the companies in the same industry.
| 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%.
TCFC's Dividend Yield is slightly below the industry average, which is at 3.65.
TCFC's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| 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 paid a dividend for at least 10 years, which is a reliable track record.
As TCFC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)11.07%
Div Incr Years2
Div Non Decr Years7
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
Community Financial Corporation
NASDAQ:TCFC (6/30/2023, 7:00:01 PM)
After market: 27.09 0 (0%)27.09
-0.43 (-1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap153.58M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.58% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.08 | ||
| Fwd PE | 5.37 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 14.77% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 35.58% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)18.44%
EPS 3Y23.25%
EPS 5Y
EPS growth Q2Q
EPS Next Y-2.87%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.42%
Revenue growth 3Y10.46%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y