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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.87
TCB's Cash to Debt is ranked lower than
62% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. TCB: 0.87 )
Ranked among companies with meaningful Cash to Debt only.
TCB' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.17 Max: 0.9
Current: 0.87
0.06
0.9
Equity to Asset 0.11
TCB's Equity to Asset is ranked higher than
58% of the 1648 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: 0.07  Med: 0.08 Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage 4.31
TCB's Interest Coverage is ranked higher than
77% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. TCB: 4.31 )
Ranked among companies with meaningful Interest Coverage only.
TCB' s Interest Coverage Range Over the Past 10 Years
Min: 0.41  Med: 0.89 Max: 4.8
Current: 4.31
0.41
4.8
F-Score: 5
M-Score: -2.47
WACC vs ROIC
7.87%
8.51%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 25.52
TCB's Operating margin (%) is ranked lower than
65% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. TCB: 25.52 )
Ranked among companies with meaningful Operating margin (%) only.
TCB' s Operating margin (%) Range Over the Past 10 Years
Min: -26.73  Med: 19.68 Max: 34.77
Current: 25.52
-26.73
34.77
Net-margin (%) 16.01
TCB's Net-margin (%) is ranked lower than
72% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. TCB: 16.01 )
Ranked among companies with meaningful Net-margin (%) only.
TCB' s Net-margin (%) Range Over the Past 10 Years
Min: -16.76  Med: 12.21 Max: 24.44
Current: 16.01
-16.76
24.44
ROE (%) 8.26
TCB's ROE (%) is ranked higher than
50% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. TCB: 8.26 )
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: 8.26
-11.71
25.02
ROA (%) 1.01
TCB's ROA (%) is ranked higher than
60% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. TCB: 1.01 )
Ranked among companies with meaningful ROA (%) only.
TCB' s ROA (%) Range Over the Past 10 Years
Min: -1.14  Med: 0.82 Max: 1.75
Current: 1.01
-1.14
1.75
Revenue Growth (3Y)(%) -1.60
TCB's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. TCB: -1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TCB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.8  Med: 6.10 Max: 11.5
Current: -1.6
-5.8
11.5
» TCB's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


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

» Details

Guru Trades

Q2 2015

TCB Guru Trades in Q2 2015

Richard Snow 544,434 sh (+61.53%)
David Dreman 516,264 sh (+46.53%)
Jim Simons 658,700 sh (+17.37%)
Joel Greenblatt 22,767 sh (+0.97%)
Richard Pzena 1,591,518 sh (-13.90%)
Mairs and Power 233,217 sh (-37.16%)
Paul Tudor Jones 10,900 sh (-55.88%)
» More
Q3 2015

TCB Guru Trades in Q3 2015

Jim Simons 1,091,500 sh (+65.71%)
David Dreman 588,408 sh (+13.97%)
Richard Pzena 1,513,318 sh (-4.91%)
Paul Tudor Jones 10,200 sh (-6.42%)
Mairs and Power 211,975 sh (-9.11%)
Joel Greenblatt 20,545 sh (-9.76%)
Richard Snow 299,052 sh (-45.07%)
» More
Q4 2015

TCB Guru Trades in Q4 2015

Paul Tudor Jones 38,300 sh (+275.49%)
Richard Snow 411,347 sh (+37.55%)
Joel Greenblatt 22,297 sh (+8.53%)
Jim Simons 1,144,475 sh (+4.85%)
David Dreman Sold Out
Richard Pzena 1,512,268 sh (-0.07%)
Mairs and Power 164,689 sh (-22.31%)
» More
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
» 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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Preferred stocks of TCF Financial Corp

SymbolPriceYieldDescription
TCBPRC25.856.246.45 % Non-Cum Perp Pfd Shs Series -B-
TCBPRB26.367.11Deposit Shs Repr 1/1000th Non-Cum Pfd Shs Series -A

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:FHN, NAS:BPOP, NAS:FCNCA, NAS:HOMB, NYSE:BOH, NAS:UMBF » details
Traded in other countries:TFC.Germany,
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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 12.69
TCB's P/E(ttm) is ranked higher than
50% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. TCB: 12.69 )
Ranked among companies with meaningful P/E(ttm) only.
TCB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.17  Med: 14.45 Max: 29.76
Current: 12.69
7.17
29.76
Forward P/E 11.66
TCB's Forward P/E is ranked higher than
54% of the 376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.05 vs. TCB: 11.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.69
TCB's PE(NRI) is ranked higher than
50% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. TCB: 12.69 )
Ranked among companies with meaningful PE(NRI) only.
TCB' s PE(NRI) Range Over the Past 10 Years
Min: 7.17  Med: 14.46 Max: 29.9
Current: 12.69
7.17
29.9
P/B 1.18
TCB's P/B is ranked lower than
61% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TCB: 1.18 )
Ranked among companies with meaningful P/B only.
TCB' s P/B Range Over the Past 10 Years
Min: 0.77  Med: 1.50 Max: 4.02
Current: 1.18
0.77
4.02
P/S 1.86
TCB's P/S is ranked higher than
74% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. TCB: 1.86 )
Ranked among companies with meaningful P/S only.
TCB' s P/S Range Over the Past 10 Years
Min: 1.04  Med: 1.87 Max: 3.89
Current: 1.86
1.04
3.89
POCF 4.23
TCB's POCF is ranked higher than
70% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. TCB: 4.23 )
Ranked among companies with meaningful POCF only.
TCB' s POCF Range Over the Past 10 Years
Min: 2.42  Med: 5.69 Max: 28.75
Current: 4.23
2.42
28.75
EV-to-EBIT 8.79
TCB's EV-to-EBIT is ranked higher than
72% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TCB: 8.79 )
Ranked among companies with meaningful EV-to-EBIT only.
TCB' s EV-to-EBIT Range Over the Past 10 Years
Min: -13.5  Med: 17.30 Max: 47.6
Current: 8.79
-13.5
47.6
EV-to-EBITDA 5.83
TCB's EV-to-EBITDA is ranked higher than
83% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. TCB: 5.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
TCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -18.6  Med: 15.00 Max: 31.2
Current: 5.83
-18.6
31.2
Shiller P/E 15.09
TCB's Shiller P/E is ranked higher than
61% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.33 vs. TCB: 15.09 )
Ranked among companies with meaningful Shiller P/E only.
TCB' s Shiller P/E Range Over the Past 10 Years
Min: 5.2  Med: 10.58 Max: 18.61
Current: 15.09
5.2
18.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.92
TCB's Dividend Yield is ranked lower than
71% of the 2222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. TCB: 1.92 )
Ranked among companies with meaningful Dividend Yield only.
TCB' s Dividend Yield Range Over the Past 10 Years
Min: 1.06  Med: 1.87 Max: 11.11
Current: 1.92
1.06
11.11
Dividend Payout 0.22
TCB's Dividend Payout is ranked higher than
84% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TCB: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
TCB' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.36 Max: 1.47
Current: 0.22
0.16
1.47
Dividend Growth (3y) 4.00
TCB's Dividend Growth (3y) is ranked lower than
65% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. TCB: 4.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TCB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -41.5  Med: 9.00 Max: 26.3
Current: 4
-41.5
26.3
Forward Dividend Yield 2.09
TCB's Forward Dividend Yield is ranked lower than
72% of the 2081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. TCB: 2.09 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.09
TCB's Yield on cost (5-Year) is ranked lower than
71% of the 2484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. TCB: 2.09 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TCB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.15  Med: 2.03 Max: 12.09
Current: 2.09
1.15
12.09
3-Year Average Share Buyback Ratio -1.30
TCB's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. TCB: -1.30 )
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: -8.1  Med: 0.70 Max: 4.7
Current: -1.3
-8.1
4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.32
TCB's Price/Tangible Book is ranked lower than
62% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. TCB: 1.32 )
Ranked among companies with meaningful Price/Tangible Book only.
TCB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.86  Med: 3.11 Max: 5.5
Current: 1.32
0.86
5.5
Price/Median PS Value 1.00
TCB's Price/Median PS Value is ranked higher than
55% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. TCB: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
TCB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 1.48 Max: 2.48
Current: 1
0.61
2.48
Price/Graham Number 0.86
TCB's Price/Graham Number is ranked lower than
53% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. TCB: 0.86 )
Ranked among companies with meaningful Price/Graham Number only.
TCB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.43 Max: 2.11
Current: 0.86
0.64
2.11
Earnings Yield (Greenblatt) (%) 11.40
TCB's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. TCB: 11.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TCB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 5.60 Max: 14
Current: 11.4
2.1
14
Forward Rate of Return (Yacktman) (%) -13.02
TCB's Forward Rate of Return (Yacktman) (%) is ranked lower than
90% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. TCB: -13.02 )
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: 4.70 Max: 25
Current: -13.02
-20.6
25

More Statistics

Revenue (TTM) (Mil) $1,283
EPS (TTM) $ 1.13
Beta1.04
Short Percentage of Float2.00%
52-Week Range $10.37 - 17.29
Shares Outstanding (Mil)171.05

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.11 1.23
EPS without NRI ($) 1.11 1.23
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» 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 

More From Other Websites
TCF Bank's new Zeo accounts will bring in new customers and their cash May 24 2016
TCF Bank Introduces ZEO Prepaid Card and Cash Services for Consumers May 23 2016
TCF Bank Introduces ZEO Prepaid Card and Cash Services for Consumers May 23 2016
TCF FINANCIAL CORP Financials May 14 2016
TCF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 06 2016
TCF FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 02 2016
TCF FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 26 2016
TCF Financial Corp. :TCB-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 25 2016
TCF Financial (TCB) Q1 Earnings Beat as Revenues Rise Apr 22 2016
Edited Transcript of TCB earnings conference call or presentation 21-Apr-16 2:00pm GMT Apr 21 2016
TCF tops Street 1Q forecasts Apr 21 2016
TCF tops Street 1Q forecasts Apr 21 2016
TCF Reports Quarterly Net Income of $48.0 Million, or 26 Cents Per Share Apr 21 2016
TCF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Apr 21 2016
TCF Reports Quarterly Net Income of $48.0 Million, or 26 Cents Per Share Apr 21 2016
Q1 2016 TCF Financial Corp Earnings Release - Before Market Open Apr 21 2016
TCF Declares Quarterly Cash Dividends Apr 20 2016
TCF Declares Quarterly Cash Dividends Apr 20 2016
[$$] Companies Wind Up in the 'Penalty Box' on Executive Pay Apr 20 2016
[$$] Companies Wind Up in the ‘Penalty Box’ on Executive Pay Apr 20 2016

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