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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.57
TCB's Cash-to-Debt is ranked lower than
72% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. TCB: 0.57 )
Ranked among companies with meaningful Cash-to-Debt only.
TCB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.21 Max: 0.9
Current: 0.57
0.06
0.9
Equity-to-Asset 0.11
TCB's Equity-to-Asset is ranked higher than
59% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TCB: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
TCB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.11
Current: 0.11
0.04
0.11
Interest Coverage 4.09
TCB's Interest Coverage is ranked higher than
76% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. TCB: 4.09 )
Ranked among companies with meaningful Interest Coverage only.
TCB' s Interest Coverage Range Over the Past 10 Years
Min: 0.41  Med: 0.9 Max: 4.8
Current: 4.09
0.41
4.8
Beneish M-Score: -2.47
WACC vs ROIC
8.09%
8.60%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating Margin % 25.74
TCB's Operating Margin % is ranked lower than
64% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. TCB: 25.74 )
Ranked among companies with meaningful Operating Margin % only.
TCB' s Operating Margin % Range Over the Past 10 Years
Min: -26.73  Med: 19.95 Max: 34.12
Current: 25.74
-26.73
34.12
Net Margin % 16.14
TCB's Net Margin % is ranked lower than
71% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. TCB: 16.14 )
Ranked among companies with meaningful Net Margin % only.
TCB' s Net Margin % Range Over the Past 10 Years
Min: -16.76  Med: 12.39 Max: 24.44
Current: 16.14
-16.76
24.44
ROE % 8.10
TCB's ROE % is ranked lower than
54% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. TCB: 8.10 )
Ranked among companies with meaningful ROE % only.
TCB' s ROE % Range Over the Past 10 Years
Min: -11.71  Med: 7.83 Max: 25.02
Current: 8.1
-11.71
25.02
ROA % 1.00
TCB's ROA % is ranked higher than
58% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. TCB: 1.00 )
Ranked among companies with meaningful ROA % only.
TCB' s ROA % Range Over the Past 10 Years
Min: -1.14  Med: 0.83 Max: 1.74
Current: 1
-1.14
1.74
3-Year Revenue Growth Rate 1.70
TCB's 3-Year Revenue Growth Rate is ranked lower than
63% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. TCB: 1.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
TCB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -5.8  Med: 4.15 Max: 13.3
Current: 1.7
-5.8
13.3
3-Year EBITDA Growth Rate 11.60
TCB's 3-Year EBITDA Growth Rate is ranked higher than
65% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TCB: 11.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
TCB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -21  Med: 10.15 Max: 153.4
Current: 11.6
-21
153.4
3-Year EPS without NRI Growth Rate 11.90
TCB's 3-Year EPS without NRI Growth Rate is ranked higher than
63% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TCB: 11.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
TCB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -34.3  Med: 9.8 Max: 45
Current: 11.9
-34.3
45
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» TCB's 10-Y Financials

Financials (Next Earnings Date: 2017-04-24)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

TCB Guru Trades in Q1 2016

David Dreman 589,996 sh (New)
Jim Simons 2,075,900 sh (+81.38%)
Joel Greenblatt 23,702 sh (+6.30%)
Richard Pzena 1,540,587 sh (+1.87%)
Mairs and Power 146,912 sh (-10.79%)
Paul Tudor Jones 33,800 sh (-11.75%)
Richard Snow 330,074 sh (-19.76%)
» More
Q2 2016

TCB Guru Trades in Q2 2016

Richard Pzena 1,542,538 sh (+0.13%)
Richard Snow Sold Out
Jim Simons 2,041,300 sh (-1.67%)
Paul Tudor Jones 31,300 sh (-7.40%)
Joel Greenblatt 21,580 sh (-8.95%)
Mairs and Power 128,012 sh (-12.86%)
David Dreman 715 sh (-99.88%)
» More
Q3 2016

TCB Guru Trades in Q3 2016

Richard Pzena 1,578,394 sh (+2.32%)
David Dreman 715 sh (unchged)
Paul Tudor Jones Sold Out
Joel Greenblatt 19,775 sh (-8.36%)
Jim Simons 1,835,700 sh (-10.07%)
Mairs and Power 108,612 sh (-15.15%)
» More
Q4 2016

TCB Guru Trades in Q4 2016

Paul Tudor Jones 30,200 sh (New)
David Dreman 28,887 sh (+3940.14%)
Richard Pzena 1,625,904 sh (+3.01%)
Joel Greenblatt Sold Out
Mairs and Power 92,860 sh (-14.50%)
Jim Simons 1,408,100 sh (-23.29%)
» 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%)

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» Interactive Charts

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Preferred stocks of TCF Financial Corp

SymbolPriceYieldDescription
TCBPRC25.646.296.45 % Non-Cum Perp Pfd Shs Series -B-
TCBPRB25.597.33Deposit Shs Repr 1/1000th Non-Cum Pfd Shs Series -A

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NYSE:BXS, NAS:CATY, NAS:FULT, NYSE:VLY, NYSE:FNB, NAS:FFIN, NYSE:STL, NAS:SSB, NAS:GBCI, NAS:HOPE, NYSE:CBU, NAS:PNFP, NYSE:GWB, NYSE:EVER, NAS:FMBI, NAS:CVBF, NAS:UBSI, NAS:ONB, NAS:IBOC, OTCPK:FCNCB » details
Traded in other countries:TFC.Germany,
Headquarter Location:USA
TCF Financial Corp is a bank holding company of TCF National Bank. The Bank delivers retail banking products in over 40 states and commercial banking products mainly in its primary banking markets.

TCF is a diversified financial services provider with approximately 376 branches in eight states in the U.S. Midwest and West. In addition to retail and commercial banking services, TCF also conducts commercial leasing and equipment finance in all 50 states, and commercial inventory finance in the U.S. and Canada.

Ratios

vs
industry
vs
history
PE Ratio 14.83
TCB's PE Ratio is ranked lower than
51% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. TCB: 14.83 )
Ranked among companies with meaningful PE Ratio only.
TCB' s PE Ratio Range Over the Past 10 Years
Min: 7.17  Med: 15 Max: 29.9
Current: 14.83
7.17
29.9
Forward PE Ratio 13.76
TCB's Forward PE Ratio is ranked higher than
55% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. TCB: 13.76 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.83
TCB's PE Ratio without NRI is ranked lower than
51% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. TCB: 14.83 )
Ranked among companies with meaningful PE Ratio without NRI only.
TCB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.17  Med: 15 Max: 29.9
Current: 14.83
7.17
29.9
PB Ratio 1.35
TCB's PB Ratio is ranked lower than
59% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TCB: 1.35 )
Ranked among companies with meaningful PB Ratio only.
TCB' s PB Ratio Range Over the Past 10 Years
Min: 0.77  Med: 1.45 Max: 3.7
Current: 1.35
0.77
3.7
PS Ratio 2.18
TCB's PS Ratio is ranked higher than
73% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. TCB: 2.18 )
Ranked among companies with meaningful PS Ratio only.
TCB' s PS Ratio Range Over the Past 10 Years
Min: 1.04  Med: 1.84 Max: 3.55
Current: 2.18
1.04
3.55
Price-to-Operating-Cash-Flow 9.89
TCB's Price-to-Operating-Cash-Flow is ranked higher than
54% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. TCB: 9.89 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TCB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.42  Med: 5.58 Max: 13.02
Current: 9.89
2.42
13.02
EV-to-EBIT 10.81
TCB's EV-to-EBIT is ranked higher than
56% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. TCB: 10.81 )
Ranked among companies with meaningful EV-to-EBIT only.
TCB' s EV-to-EBIT Range Over the Past 10 Years
Min: -13.5  Med: 17.3 Max: 47.6
Current: 10.81
-13.5
47.6
EV-to-EBITDA 7.02
TCB's EV-to-EBITDA is ranked higher than
69% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. TCB: 7.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
TCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -18.6  Med: 15.1 Max: 31.2
Current: 7.02
-18.6
31.2
Shiller PE Ratio 19.32
TCB's Shiller PE Ratio is ranked higher than
55% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. TCB: 19.32 )
Ranked among companies with meaningful Shiller PE Ratio only.
TCB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.23  Med: 11.33 Max: 22.48
Current: 19.32
5.23
22.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.76
TCB's Dividend Yield % is ranked lower than
71% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. TCB: 1.76 )
Ranked among companies with meaningful Dividend Yield % only.
TCB' s Dividend Yield % Range Over the Past 10 Years
Min: 1.06  Med: 1.79 Max: 11.11
Current: 1.76
1.06
11.11
Dividend Payout Ratio 0.26
TCB's Dividend Payout Ratio is ranked higher than
89% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TCB: 0.26 )
Ranked among companies with meaningful Dividend Payout Ratio only.
TCB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.26 Max: 0.99
Current: 0.26
0.19
0.99
3-Year Dividend Growth Rate 14.50
TCB's 3-Year Dividend Growth Rate is ranked higher than
70% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. TCB: 14.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
TCB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -41.5  Med: 14.5 Max: 35.7
Current: 14.5
-41.5
35.7
Forward Dividend Yield % 1.76
TCB's Forward Dividend Yield % is ranked lower than
75% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. TCB: 1.76 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.47
TCB's 5-Year Yield-on-Cost % is ranked lower than
64% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. TCB: 2.47 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TCB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.49  Med: 2.52 Max: 15.58
Current: 2.47
1.49
15.58
3-Year Average Share Buyback Ratio -1.20
TCB's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. TCB: -1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TCB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -23.2  Med: -1.4 Max: 4.7
Current: -1.2
-23.2
4.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.51
TCB's Price-to-Tangible-Book is ranked lower than
61% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. TCB: 1.51 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TCB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.64  Med: 1.84 Max: 5.5
Current: 1.51
0.64
5.5
Price-to-Median-PS-Value 1.18
TCB's Price-to-Median-PS-Value is ranked lower than
54% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. TCB: 1.18 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TCB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.16  Med: 1.18 Max: 2.48
Current: 1.18
0.16
2.48
Price-to-Graham-Number 0.99
TCB's Price-to-Graham-Number is ranked lower than
52% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. TCB: 0.99 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TCB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.69  Med: 1.33 Max: 2.05
Current: 0.99
0.69
2.05
Earnings Yield (Greenblatt) % 9.25
TCB's Earnings Yield (Greenblatt) % is ranked higher than
66% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. TCB: 9.25 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TCB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.1  Med: 5.6 Max: 14
Current: 9.25
2.1
14
Forward Rate of Return (Yacktman) % -13.04
TCB's Forward Rate of Return (Yacktman) % is ranked lower than
91% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. TCB: -13.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
TCB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -20.6  Med: 0.6 Max: 25
Current: -13.04
-20.6
25

More Statistics

Revenue (TTM) (Mil) $1,314
EPS (TTM) $ 1.15
Beta1.16
Short Percentage of Float3.77%
52-Week Range $11.72 - 20.03
Shares Outstanding (Mil)170.81

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,366 1,447
EPS ($) 1.24 1.50 1.50
EPS without NRI ($) 1.24 1.50 1.50
EPS Growth Rate
(Future 3Y To 5Y Estimate)
9.00%
Dividends per Share ($) 0.35 0.39
» More Articles for TCB

Headlines

Articles On GuruFocus.com
Weekly CEO Sells Highlight: Cameron International, Envision Healthcare Holdings, Vanda Pharmaceutica Sep 20 2015 
Weekly CEO Buys Highlight: OPK, CLMS, GFF, TCB, SFNC May 12 2015 
Mairs & Power Small Cap Fund Q4 2014 Commentary Mar 31 2015 
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 

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