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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 0.70
TCB's Cash to Debt is ranked higher than
70% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. TCB: 0.70 )
TCB' s 10-Year Cash to Debt Range
Min: 0.06   Max: 0.72
Current: 0.7

0.06
0.72
Equity to Asset 0.11
TCB's Equity to Asset is ranked higher than
79% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TCB: 0.11 )
TCB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.11

0.06
0.11
Interest Coverage 3.93
TCB's Interest Coverage is ranked higher than
87% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. TCB: 3.93 )
TCB' s 10-Year Interest Coverage Range
Min: 0.34   Max: 3.93
Current: 3.93

0.34
3.93
F-Score: 6
Z-Score: 0.30
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 (%) 24.87
TCB's Operating margin (%) is ranked higher than
68% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. TCB: 24.87 )
TCB' s 10-Year Operating margin (%) Range
Min: -26.73   Max: 39.14
Current: 24.87

-26.73
39.14
Net-margin (%) 15.31
TCB's Net-margin (%) is ranked higher than
63% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. TCB: 15.31 )
TCB' s 10-Year Net-margin (%) Range
Min: -16.76   Max: 26.62
Current: 15.31

-16.76
26.62
ROE (%) 9.48
TCB's ROE (%) is ranked higher than
79% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. TCB: 9.48 )
TCB' s 10-Year ROE (%) Range
Min: -11.41   Max: 27.14
Current: 9.48

-11.41
27.14
ROA (%) 1.02
TCB's ROA (%) is ranked higher than
82% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. TCB: 1.02 )
TCB' s 10-Year ROA (%) Range
Min: -1.14   Max: 2.16
Current: 1.02

-1.14
2.16
ROC (Joel Greenblatt) (%) 70.58
TCB's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. TCB: 70.58 )
TCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -77.46   Max: 155.27
Current: 70.58

-77.46
155.27
Revenue Growth (%) -5.80
TCB's Revenue Growth (%) is ranked higher than
60% of the 1727 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: 15.8
Current: -5.8

-5.8
15.8
EBITDA Growth (%) -1.60
TCB's EBITDA Growth (%) is ranked higher than
64% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. TCB: -1.60 )
TCB' s 10-Year EBITDA Growth (%) Range
Min: -20.9   Max: 33.1
Current: -1.6

-20.9
33.1
EPS Growth (%) -9.10
TCB's EPS Growth (%) is ranked higher than
60% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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

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%)
Jim Simons Sold Out
Paul Tudor Jones 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
Q1 2014

TCB Guru Trades in Q1 2014

Steven Cohen 58,139 sh (New)
Paul Tudor Jones 37,895 sh (New)
Richard Snow 154,944 sh (+63.32%)
David Dreman 289,163 sh (+3.14%)
Bill Frels 4,454,125 sh (+0.62%)
Columbia Wanger 3,428,000 sh (-0.38%)
Richard Pzena 1,918,296 sh (-3.63%)
Joel Greenblatt 18,091 sh (-24.44%)
» More
Q2 2014

TCB Guru Trades in Q2 2014

Paul Tudor Jones 46,677 sh (+23.17%)
Richard Snow 175,299 sh (+13.14%)
Bill Frels 4,500,563 sh (+1.04%)
David Dreman 283,113 sh (-2.09%)
Richard Pzena 1,862,582 sh (-2.9%)
Joel Greenblatt 16,373 sh (-9.5%)
Columbia Wanger 2,743,000 sh (-19.98%)
» More
Q3 2014

TCB Guru Trades in Q3 2014

Jim Simons 133,700 sh (New)
Paul Tudor Jones 68,302 sh (+46.33%)
Joel Greenblatt 17,080 sh (+4.32%)
Richard Snow 182,499 sh (+4.11%)
David Dreman 286,817 sh (+1.31%)
Richard Pzena 1,850,357 sh (-0.66%)
Bill Frels 3,936,046 sh (-12.54%)
Columbia Wanger 1,970,000 sh (-28.18%)
» More
» Details

Insider Trades

Latest Guru Trades with TCB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Snow 2014-03-31 Add 63.32%0.04%$15.45 - $17.05 $ 15.52-5%154944
Joel Greenblatt 2014-03-31 Reduce -24.44%$15.45 - $17.05 $ 15.52-5%18091
Joel Greenblatt 2013-12-31 Add 88.49%$14.4 - $16.32 $ 15.520%23944
David Dreman 2013-09-30 Reduce -72.04%0.26%$13.89 - $16.45 $ 15.524%245482
Irving Kahn 2013-09-30 Sold Out 0.05%$13.89 - $16.45 $ 15.524%0
Joel Greenblatt 2013-09-30 Add 25.21%$13.89 - $16.45 $ 15.524%12703
David Dreman 2013-06-30 Reduce -44.14%0.27%$13.68 - $15.17 $ 15.528%878080
Joel Greenblatt 2013-06-30 New Buy0.01%$13.68 - $15.17 $ 15.528%10145
HOTCHKIS & WILEY 2013-03-31 Sold Out 0.03%$12.15 - $14.96 $ 15.5213%0
Richard Snow 2013-03-31 Add 35.68%0.02%$12.15 - $14.96 $ 15.5213%109654
Richard Snow 2012-12-31 Add 40.64%0.02%$10.95 - $12.44 $ 15.5234%80819
Richard Snow 2012-09-30 Add 21.32%0.01%$9.86 - $12.31 $ 15.5241%57464
David Dreman 2012-06-30 Add 46.41%0.14%$10.61 - $12.41 $ 15.5236%1651229
Richard Snow 2012-06-30 New Buy0.03%$10.61 - $12.41 $ 15.5236%47364
David Dreman 2012-03-31 Add 47.5%0.09%$10.04 - $12.41 $ 15.5248%1127839
David Dreman 2011-12-31 New Buy0.18%$8.79 - $11.34 $ 15.5250%764630
Ray Dalio 2011-12-31 Sold Out 0.01%$8.79 - $11.34 $ 15.5250%0
Richard Snow 2011-12-31 Sold Out 0.01%$8.79 - $11.34 $ 15.5250%0
George Soros 2011-12-31 Sold Out 0.0026%$8.79 - $11.34 $ 15.5250%0
Richard Snow 2011-09-30 Reduce -99.59%1.53%$8.9 - $14.2 $ 15.5239%11979
Richard Pzena 2011-09-30 Add 33.37%0.06%$8.9 - $14.2 $ 15.5239%2169850
HOTCHKIS & WILEY 2011-09-30 New Buy0.03%$8.9 - $14.2 $ 15.5239%445669
Ray Dalio 2011-09-30 New Buy0.01%$8.9 - $14.2 $ 15.5240%84593
George Soros 2011-09-30 New Buy$8.9 - $14.2 $ 15.5239%16600
Premium More recent guru trades are included for Premium Members only!!
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» Interactive Charts

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Preferred stocks of TCF Financial Corp

SymbolPriceYieldDescription
TCBPRC0.006.466.45 % Non-Cum Perp Pfd Shs Series -B-
TCBPRB0.007.02Deposit Shs Repr 1/1000th Non-Cum Pfd Shs Series -A

Ratios

vs
industry
vs
history
P/E(ttm) 15.00
TCB's P/E(ttm) is ranked higher than
78% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. TCB: 15.00 )
TCB' s 10-Year P/E(ttm) Range
Min: 7.17   Max: 29.76
Current: 15

7.17
29.76
P/B 1.40
TCB's P/B is ranked higher than
69% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. TCB: 1.40 )
TCB' s 10-Year P/B Range
Min: 0.77   Max: 4.7
Current: 1.4

0.77
4.7
P/S 2.10
TCB's P/S is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 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 10.50
TCB's EV-to-EBIT is ranked higher than
87% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. TCB: 10.50 )
TCB' s 10-Year EV-to-EBIT Range
Min: -13.6   Max: 47.7
Current: 10.5

-13.6
47.7
Shiller P/E 31.30
TCB's Shiller P/E is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCB: 31.30 )
TCB' s 10-Year Shiller P/E Range
Min: 4.97   Max: 35.4
Current: 31.3

4.97
35.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
TCB's Dividend Yield is ranked lower than
73% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 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 0.19
TCB's Dividend Payout is ranked higher than
87% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. TCB: 0.19 )
TCB' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1.47
Current: 0.19

0.16
1.47
Yield on cost (5-Year) 0.65
TCB's Yield on cost (5-Year) is ranked lower than
86% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 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
64% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.60
TCB's Price/Tangible Book is ranked higher than
71% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. TCB: 1.60 )
TCB' s 10-Year Price/Tangible Book Range
Min: 0.86   Max: 5.56
Current: 1.6

0.86
5.56
Price/Median PS Value 1.00
TCB's Price/Median PS Value is ranked higher than
84% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. TCB: 1.00 )
TCB' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 2.31
Current: 1

0.57
2.31
Price/Graham Number 0.90
TCB's Price/Graham Number is ranked higher than
81% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. TCB: 0.90 )
TCB' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 2.62
Current: 0.9

0.66
2.62
Earnings Yield (Greenblatt) 9.50
TCB's Earnings Yield (Greenblatt) is ranked higher than
85% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TCB: 9.50 )
TCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 10.1
Current: 9.5

2.1
10.1
Forward Rate of Return (Yacktman) -12.33
TCB's Forward Rate of Return (Yacktman) is ranked higher than
50% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. TCB: -12.33 )
TCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.6   Max: 11.5
Current: -12.33

-20.6
11.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:TFC.Germany
TCF Financial Corp is a national bank holding company based in Wayzata, Minnesota. Its principal subsidiary is TCF National Bank. TCF Bank operates bank branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota. It delivers retail banking products in over 40 states and commercial banking products mainly in its primary banking markets. The Company also conducts commercial leasing and equipment finance business in all 50 states and, to a limited extent, in foreign countries, commercial inventory finance in the U.S. and Canada and, to a limited extent, in other foreign countries and indirect auto finance business in 45 states. The Company's reportable segments are comprised of Lending, and Funding. Lending includes retail lending, commercial banking, leasing and equipment finance, inventory finance and auto finance. Funding includes branch banking and treasury services, which includes the Company's investment and borrowing portfolios and management of capital, debt and market risks, including interest rate and liquidity risks. The Company competes with a number of depository institutions and financial service providers experiencing significant competition in attracting and retaining deposits and in lending activities.
» More Articles for TCB

Headlines

Articles On GuruFocus.com
Weekly CEO Sells Highlight: Golub Capital BDC Inc., TCF Financial Corp. and Gap Inc. May 13 2013 
Weekly CFO Buys Highlight: COSI, VIST, TCB, FIVE, VCBI Jul 30 2012 
9 Best-Yielding Money Center Banks Below Book Value Feb 21 2012 
Stocks Bought by Other Hedge Funds from Hotchkis and Wiley Feb 15 2012 
TCF Financial Corp. Reports Operating Results (10-K) Feb 15 2011 
TCF Financial Corp. (TCB) President and COO Neil W Brown sells 50,000 Shares Jan 26 2011 
TCF Financial Corp. (TCB) Chairman & CEO William Allen Cooper sells 100,000 Shares Jan 26 2011 
TCF Financial Corp. (TCB) Chairman & CEO William Allen Cooper sells 100,000 Shares Dec 15 2010 
TCF Financial Corp. (TCB) Vice Chairman Barry N Winslow sells 20,000 Shares Dec 13 2010 
TCF Financial Corp. (TCB) Vice Chairman & Secretary Gregory J Pulles sells 26,190 Shares Nov 08 2010 

More From Other Websites
TCF Bank Sponsors the 81st Chicago Thanksgiving Parade Nov 25 2014
TCF Bank Sponsors the 81st Chicago Thanksgiving Parade Nov 25 2014
TCF Bank Sponsors St. Jude Give Thanks Walks in Detroit and Ann Arbor Nov 21 2014
TCF Bank Sponsors Cities 97 Sampler to Raise Money for Minnesota Nonprofits Nov 20 2014
TCF Bank Named "Best Midsize Bank In America" By Money Magazine Nov 19 2014
TCF FINANCIAL CORP Financials Nov 14 2014
TCF FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Nov 12 2014
Winthrop Spotlighted at Salesforce's Dreamforce 2014 Event Nov 11 2014
10-Q for TCF Financial Corp. Nov 07 2014
Gateway One Lending & Finance Earns a Top Spot in Auto Finance Performance Survey Nov 06 2014
TCF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 05 2014
TCF FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 04 2014
TCF Bank Awards $1,000 to Support Sierra High School Athletics Program Oct 31 2014
TCF Bank and Susan G. Komen® Raise $166,000 To Fight Breast Cancer Oct 29 2014
TCF Financial Misses Q3 Earnings Estimates, Shares Fall Oct 27 2014
TCF Financial Corp Earnings Call scheduled for 9:00 am ET today Oct 24 2014
TCF posts 3Q profit Oct 24 2014
TCF posts 3Q profit Oct 24 2014
TCF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Oct 24 2014
TCF Reports Quarterly Net Income of $52.3 Million, or 29 Cents Per Share, Up 6 Cents, or 26.1... Oct 24 2014

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