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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.62
TCB's Cash to Debt is ranked higher than
68% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. TCB: 0.62 )
TCB' s 10-Year Cash to Debt Range
Min: 0.06   Max: 0.62
Current: 0.62

0.06
0.62
Equity to Asset 0.11
TCB's Equity to Asset is ranked higher than
73% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TCB: 0.11 )
TCB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.11

0.07
0.11
Interest Coverage 3.93
TCB's Interest Coverage is ranked higher than
89% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TCB: 3.93 )
TCB' s 10-Year Interest Coverage Range
Min: 0.39   Max: 3.93
Current: 3.93

0.39
3.93
F-Score: 5
Z-Score: 0.27
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 20.14
TCB's Operating margin (%) is ranked higher than
60% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. TCB: 20.14 )
TCB' s 10-Year Operating margin (%) Range
Min: -26.73   Max: 39.16
Current: 20.14

-26.73
39.16
Net-margin (%) 12.57
TCB's Net-margin (%) is ranked higher than
58% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. TCB: 12.57 )
TCB' s 10-Year Net-margin (%) Range
Min: -16.76   Max: 26.62
Current: 12.57

-16.76
26.62
ROE (%) 7.77
TCB's ROE (%) is ranked higher than
72% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. TCB: 7.77 )
TCB' s 10-Year ROE (%) Range
Min: -11.42   Max: 26.61
Current: 7.77

-11.42
26.61
ROA (%) 0.83
TCB's ROA (%) is ranked higher than
75% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. TCB: 0.83 )
TCB' s 10-Year ROA (%) Range
Min: -1.17   Max: 2.07
Current: 0.83

-1.17
2.07
ROC (Joel Greenblatt) (%) 55.54
TCB's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. TCB: 55.54 )
TCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -77.09   Max: 161.57
Current: 55.54

-77.09
161.57
Revenue Growth (%) -5.80
TCB's Revenue Growth (%) is ranked higher than
60% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TCB: -5.80 )
TCB' s 10-Year Revenue Growth (%) Range
Min: -5.8   Max: 13.3
Current: -5.8

-5.8
13.3
EBITDA Growth (%) -1.30
TCB's EBITDA Growth (%) is ranked higher than
62% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. TCB: -1.30 )
TCB' s 10-Year EBITDA Growth (%) Range
Min: -20.9   Max: 27.5
Current: -1.3

-20.9
27.5
EPS Growth (%) -9.10
TCB's EPS Growth (%) is ranked higher than
57% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. TCB: -9.10 )
TCB' s 10-Year EPS Growth (%) Range
Min: -34.3   Max: 26
Current: -9.1

-34.3
26
» TCB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

TCB Guru Trades in Q1 2013

Richard Snow 109,654 sh (+35.68%)
Bill Frels 4,678,055 sh (+0.97%)
Irving Kahn 24,364 sh (unchged)
HOTCHKIS & WILEY Sold Out
Steven Cohen Sold Out
Richard Pzena 2,277,662 sh (-0.13%)
David Dreman 1,571,855 sh (-1.05%)
Columbia Wanger 3,455,000 sh (-1.37%)
John Buckingham 244,884 sh (-1.97%)
» More
Q2 2013

TCB Guru Trades in Q2 2013

Steven Cohen 221,300 sh (New)
Jim Simons 85,000 sh (New)
Joel Greenblatt 10,145 sh (New)
Richard Snow 113,289 sh (+3.31%)
Irving Kahn 24,364 sh (unchged)
Columbia Wanger 3,455,000 sh (unchged)
John Buckingham Sold Out
Richard Pzena 2,197,265 sh (-3.53%)
Bill Frels 4,489,144 sh (-4.04%)
David Dreman 878,080 sh (-44.14%)
» More
Q3 2013

TCB Guru Trades in Q3 2013

Paul Tudor Jones 26,500 sh (New)
Jim Simons 190,500 sh (+124.12%)
Joel Greenblatt 12,703 sh (+25.21%)
Columbia Wanger 3,455,000 sh (unchged)
Steven Cohen Sold Out
Irving Kahn Sold Out
Bill Frels 4,454,194 sh (-0.78%)
Richard Pzena 1,984,540 sh (-9.68%)
Richard Snow 97,314 sh (-14.1%)
David Dreman 245,482 sh (-72.04%)
» More
Q4 2013

TCB Guru Trades in Q4 2013

Joel Greenblatt 23,944 sh (+88.49%)
David Dreman 280,362 sh (+14.21%)
Richard Pzena 1,990,640 sh (+0.31%)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
Columbia Wanger 3,441,000 sh (-0.41%)
Bill Frels 4,426,750 sh (-0.62%)
Richard Snow 94,869 sh (-2.51%)
» More
» Details

Insider Trades

Latest Guru Trades with TCB

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 Add 88.49%$14.4 - $16.32 $ 15.872%23944
David Dreman 2013-09-30 Reduce -72.04%0.26%$13.89 - $16.45 $ 15.876%245482
Joel Greenblatt 2013-09-30 Add 25.21%$13.89 - $16.45 $ 15.876%12703
David Dreman 2013-06-30 Reduce -44.14%0.27%$13.68 - $15.17 $ 15.8710%878080
Joel Greenblatt 2013-06-30 New Buy0.01%$13.68 - $15.17 $ 15.8710%10145
David Dreman 2012-06-30 Add 46.41%0.14%$10.61 - $12.41 $ 15.8739%1651229
David Dreman 2012-03-31 Add 47.5%0.09%$10.04 - $12.41 $ 15.8752%1127839
David Dreman 2011-12-31 New Buy0.18%$8.79 - $11.34 $ 15.8754%764630
Ray Dalio 2011-12-31 Sold Out 0.01%$8.79 - $11.34 $ 15.8754%0
George Soros 2011-12-31 Sold Out 0.0026%$8.79 - $11.34 $ 15.8754%0
Ray Dalio 2011-09-30 New Buy0.01%$8.9 - $14.2 $ 15.8743%84593
George Soros 2011-09-30 New Buy$8.9 - $14.2 $ 15.8742%16600
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of TCF Financial Corporation

SymbolPriceYieldDescription
TCBPRC0.006.556.45 % Non-Cum Perp Pfd Shs Series -B-
TCBPRB0.007.28Deposit Shs Repr 1/1000th Non-Cum Pfd Shs Series -A

Top Ranked Articles about TCF Financial Corporation

Weekly CEO Sells Highlight: Golub Capital BDC Inc., TCF Financial Corp. and Gap Inc.
According to GuruFocus Insider Data, these are the largest CEO sales during the past week: Golub Capital BDC Inc., TCF Financial Corporation and Gap Inc. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 19.60
TCB's P/E(ttm) is ranked lower than
51% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. TCB: 19.60 )
TCB' s 10-Year P/E(ttm) Range
Min: 7.17   Max: 29.76
Current: 19.6

7.17
29.76
P/B 1.50
TCB's P/B is ranked lower than
54% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. TCB: 1.50 )
TCB' s 10-Year P/B Range
Min: 0.77   Max: 4.7
Current: 1.5

0.77
4.7
P/S 2.10
TCB's P/S is ranked higher than
70% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. TCB: 2.10 )
TCB' s 10-Year P/S Range
Min: 1.04   Max: 4.6
Current: 2.1

1.04
4.6
EV-to-EBIT 14.90
TCB's EV-to-EBIT is ranked higher than
66% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. TCB: 14.90 )
TCB' s 10-Year EV-to-EBIT Range
Min: 11.7   Max: 47.7
Current: 14.9

11.7
47.7
Shiller P/E 31.70
TCB's Shiller P/E is ranked lower than
61% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. TCB: 31.70 )
TCB' s 10-Year Shiller P/E Range
Min: 4.97   Max: 34.1
Current: 31.7

4.97
34.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
TCB's Dividend Yield is ranked lower than
75% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. TCB: 1.30 )
TCB' s 10-Year Dividend Yield Range
Min: 1.06   Max: 11.11
Current: 1.3

1.06
11.11
Dividend Payout 0.24
TCB's Dividend Payout is ranked higher than
74% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. TCB: 0.24 )
TCB' s 10-Year Dividend Payout Range
Min: 0.19   Max: 0.99
Current: 0.24

0.19
0.99
Yield on cost (5-Year) 0.65
TCB's Yield on cost (5-Year) is ranked lower than
85% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. TCB: 0.65 )
TCB' s 10-Year Yield on cost (5-Year) Range
Min: 0.53   Max: 5.57
Current: 0.65

0.53
5.57
Share Buyback Rate -5.30
TCB's Share Buyback Rate is ranked higher than
63% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. TCB: -5.30 )
TCB' s 10-Year Share Buyback Rate Range
Min: 4.7   Max: -20.1
Current: -5.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
TCB's Price/Tangible Book is ranked lower than
54% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TCB: 1.80 )
TCB' s 10-Year Price/Tangible Book Range
Min: 1.01   Max: 5.56
Current: 1.8

1.01
5.56
Price/Median PS Value 1.00
TCB's Price/Median PS Value is ranked higher than
62% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TCB: 1.00 )
TCB' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 2.33
Current: 1

0.7
2.33
Price/Graham Number 1.10
TCB's Price/Graham Number is ranked higher than
56% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. TCB: 1.10 )
TCB' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 2.08
Current: 1.1

0.8
2.08
Earnings Yield (Greenblatt) 6.70
TCB's Earnings Yield (Greenblatt) is ranked higher than
71% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TCB: 6.70 )
TCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 8.6
Current: 6.7

2.1
8.6
Forward Rate of Return (Yacktman) -8.91
TCB's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. TCB: -8.91 )
TCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -13.1   Max: 27.3
Current: -8.91

-13.1
27.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:TFC.Germany
TCF Financial Corporation, a Delaware Corporation incorporated on April 28, 1987, is a financial holding company. Its main subsidiary is TCF National Bank. The Company focuses on the delivery of retail and commercial banking products in markets served by TCF Bank, and commercial equipment loans and leases and inventory finance loans throughout the United States and Canada. TCF Financial provides convenient financial services through multiple channels in its banking markets. It has developed products and services designed to meet the needs of all consumers. The Company focuses on attracting and retaining customers through service and convenience, including branches that are open seven days a week and on most holidays, extensive full-service supermarket branches, automated teller machine networks and telephone and internet banking. TCF Financial's core businesses include Retail Banking, Wholesale Banking and Treasury Services. Retail Banking includes branch banking and retail lending. Wholesale Banking includes commercial banking, leasing and equipment finance and inventory finance. Treasury Services includes the Company's investment and borrowing portfolios and management of capital, debt and market risks, including interest-rate and liquidity risks. Campus banking represents an important part of the Company's Retail Banking business. TCF Financial has alliances with the University of Minnesota, the University of Michigan, the University of Illinois and six other colleges. These alliances include exclusive marketing, naming rights and other agreements. TCF Financial makes consumer loans for personal, family or household purposes, such as home purchases, debt consolidation, financing of home improvements, automobiles, vacations and education. Commercial real estate loans are loans originated by the Company that are secured by commercial real estate, which includes, retail centers, office buildings, multi-family housing and to a lesser extent, commercial real estate construction loans, mainly to borrowers based in its primary markets. Commercial business loans are loans originated by the Company that are generally secured by various types of business assets including inventory, receivables, equipment and financial instruments. In very limited cases, loans might be originated on an unsecured basis. Commercial business loans are used for a variety of purposes including working capital and financing the purchase of equipment. TCF Financial provides a range of comprehensive lease and equipment finance products addressing the financing needs of diverse types of small to large companies. The Company's leasing and equipment finance businesses, TCF Equipment Finance, Inc and Winthrop Resources Corporation, finance equipment in all 50 states and, to a limited extent, in foreign countries. TCF Financial's Inventory Finance business originates commercial variable rate loans which are secured by the underlying floorplan equipment and supported

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