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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 0.89
TCB's Cash to Debt is ranked lower than
64% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.30 vs. TCB: 0.89 )
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: 0.89
0.06
0.9
Equity to Asset 0.11
TCB's Equity to Asset is ranked higher than
58% of the 1603 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 4.18
TCB's Interest Coverage is ranked higher than
76% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. TCB: 4.18 )
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: 4.18
0.41
4.8
F-Score: 5
M-Score: -2.39
WACC vs ROIC
7.81%
8.74%
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 (%) 25.80
TCB's Operating margin (%) is ranked lower than
62% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. TCB: 25.80 )
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: 34.77
Current: 25.8
-26.73
34.77
Net-margin (%) 16.29
TCB's Net-margin (%) is ranked lower than
70% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.26 vs. TCB: 16.29 )
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: 16.29
-16.76
24.44
ROE (%) 8.33
TCB's ROE (%) is ranked higher than
50% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. TCB: 8.33 )
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: 8.33
-11.71
25.02
ROA (%) 1.02
TCB's ROA (%) is ranked higher than
61% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TCB: 1.02 )
Ranked among companies with meaningful ROA (%) only.
TCB' s ROA (%) Range Over the Past 10 Years
Min: -1.14  Med: 0.83 Max: 1.75
Current: 1.02
-1.14
1.75
Revenue Growth (3Y)(%) -1.60
TCB's Revenue Growth (3Y)(%) is ranked lower than
72% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 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: 6.1 Max: 11.8
Current: -1.6
-5.8
11.8
» TCB's 10-Y Financials

Financials


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

» Details

Guru Trades

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
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
» 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
TCBPRC26.126.176.45 % Non-Cum Perp Pfd Shs Series -B-
TCBPRB26.397.10Deposit Shs Repr 1/1000th Non-Cum Pfd Shs Series -A

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FULT, NAS:HBHC, NAS:CATY, NYSE:EVER, NYSE:VLY, NAS:FFIN, NAS:TCBI, NAS:PNFP, NYSE:FNB, NYSE:STL, NYSE:BXS, NAS:GBCI, NAS:IBKC, NAS:WTFC, NYSE:CBU, NAS:MBFI, OTCPK:FCNCB, NAS:UMBF, NYSE:GWB, NAS:UBSI » 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 competition in attracting and retaining deposits and in lending activities.

Ratios

vs
industry
vs
history
P/E(ttm) 12.47
TCB's P/E(ttm) is ranked higher than
53% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.25 vs. TCB: 12.47 )
Ranked among companies with meaningful P/E(ttm) only.
TCB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.17  Med: 14.53 Max: 29.9
Current: 12.47
7.17
29.9
Forward P/E 12.11
TCB's Forward P/E is ranked higher than
63% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.62 vs. TCB: 12.11 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.47
TCB's PE(NRI) is ranked higher than
54% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.29 vs. TCB: 12.47 )
Ranked among companies with meaningful PE(NRI) only.
TCB' s PE(NRI) Range Over the Past 10 Years
Min: 7.17  Med: 14.53 Max: 29.9
Current: 12.47
7.17
29.9
P/B 1.15
TCB's P/B is ranked lower than
57% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TCB: 1.15 )
Ranked among companies with meaningful P/B only.
TCB' s P/B Range Over the Past 10 Years
Min: 0.77  Med: 1.48 Max: 3.93
Current: 1.15
0.77
3.93
P/S 1.82
TCB's P/S is ranked higher than
75% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. TCB: 1.82 )
Ranked among companies with meaningful P/S only.
TCB' s P/S Range Over the Past 10 Years
Min: 1.04  Med: 1.85 Max: 3.81
Current: 1.82
1.04
3.81
POCF 4.92
TCB's POCF is ranked higher than
69% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. TCB: 4.92 )
Ranked among companies with meaningful POCF only.
TCB' s POCF Range Over the Past 10 Years
Min: 2.42  Med: 5.62 Max: 28.75
Current: 4.92
2.42
28.75
EV-to-EBIT 8.39
TCB's EV-to-EBIT is ranked higher than
69% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. TCB: 8.39 )
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: 8.39
-13.5
47.6
EV-to-EBITDA 5.51
TCB's EV-to-EBITDA is ranked higher than
80% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. TCB: 5.51 )
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 Max: 31.2
Current: 5.51
-18.6
31.2
Shiller P/E 15.43
TCB's Shiller P/E is ranked higher than
60% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. TCB: 15.43 )
Ranked among companies with meaningful Shiller P/E only.
TCB' s Shiller P/E Range Over the Past 10 Years
Min: 5.2  Med: 10.64 Max: 17.71
Current: 15.43
5.2
17.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.11
TCB's Dividend Yield is ranked lower than
67% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. TCB: 2.11 )
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: 2.11
1.06
11.11
Dividend Payout 0.24
TCB's Dividend Payout is ranked higher than
80% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TCB: 0.24 )
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: 0.24
0.16
1.47
Dividend Growth (3y) 4.00
TCB's Dividend Growth (3y) is ranked lower than
65% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 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 Max: 26.3
Current: 4
-41.5
26.3
Forward Dividend Yield 2.12
TCB's Forward Dividend Yield is ranked lower than
71% of the 2104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. TCB: 2.12 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.30
TCB's Yield on cost (5-Year) is ranked lower than
68% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. TCB: 2.30 )
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: 2.3
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 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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: 0.7 Max: 4.7
Current: -1.3
-8.1
4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
TCB's Price/Tangible Book is ranked lower than
59% of the 1582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. TCB: 1.27 )
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: 1.27
0.86
5.5
Price/Median PS Value 0.99
TCB's Price/Median PS Value is ranked higher than
59% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. TCB: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
TCB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 1.49 Max: 2.51
Current: 0.99
0.62
2.51
Price/Graham Number 0.84
TCB's Price/Graham Number is ranked higher than
51% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. TCB: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
TCB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.65  Med: 1.42 Max: 2.11
Current: 0.84
0.65
2.11
Earnings Yield (Greenblatt) (%) 11.87
TCB's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. TCB: 11.87 )
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: 11.87
2.1
14
Forward Rate of Return (Yacktman) (%) -13.02
TCB's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.09 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: 1.6 Max: 25
Current: -13.02
-20.6
25

More Statistics

Revenue (TTM) (Mil) $1,294
EPS (TTM) $ 1.14
Beta1.07
Short Percentage of Float2.58%
52-Week Range $10.37 - 15.94
Shares Outstanding (Mil)171.04

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.17 1.24
EPS w/o NRI ($) 1.17 1.24
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NYSE: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 Improves Financial Education Program; Helps Adults Strengthen Financial Fitness Aug 16 2016
TCF Improves Financial Education Program; Helps Adults Strengthen Financial Fitness Aug 16 2016
TCF FINANCIAL CORP Financials Aug 11 2016
TCF FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 04 2016
TCF FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 03 2016
TCF FINANCIAL CORP Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal... Jul 26 2016
TCF Financial Corp. :TCB-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
One Reason Why TCF Financial (TCB) Stock Closed Lower Today Jul 25 2016
TCF Financial (TCB) Beats on Q2 Earnings as Revenues Rise Jul 25 2016
TCF Financial Corp. breached its 50 day moving average in a Bullish Manner : TCB-US : July 25, 2016 Jul 25 2016
TCF Financial downgraded by FBR Capital Jul 25 2016
TCF Financial (TCB) Stock Advancing After Q2 Results Beat Jul 22 2016
Edited Transcript of TCB earnings conference call or presentation 22-Jul-16 2:00pm GMT Jul 22 2016
TCF Reports Quarterly Net Income of $57.7 Million, or 31 Cents Per Share Jul 22 2016
TCF tops Street 2Q forecasts Jul 22 2016
TCF tops Street 2Q forecasts Jul 22 2016
TCF FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Jul 22 2016
TCF Reports Quarterly Net Income of $57.7 Million, or 31 Cents Per Share Jul 22 2016
Q2 2016 TCF Financial Corp Earnings Release - Before Market Open Jul 22 2016
TCF Declares Quarterly Cash Dividends Jul 20 2016
3 More Bank Gems in 2 Business-Friendly States Jul 15 2016
TCF to Announce Second Quarter 2016 Earnings and Host Conference Call on Friday, July 22, 2016 Jul 07 2016
TCF to Announce Second Quarter 2016 Earnings and Host Conference Call on Friday, July 22, 2016 Jul 07 2016
TCF Bank Partners with Simon Says Give to Collect School Supplies for Kids in Need Jun 30 2016
TCF Bank Partners with Simon Says Give to Collect School Supplies for Kids in Need Jun 30 2016
TCF Financial (TCB) Going Digital -- Should You Hold? Jun 29 2016
TCF Bank Raises Nearly $20,000 for Junior Achievement-Rocky Mountain Jun 29 2016
TCF Bank Raises Nearly $20,000 for Junior Achievement-Rocky Mountain Jun 29 2016
TCF Bank Introduces ZEO Prepaid Card and Cash Services for Consumers May 23 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 Declares Quarterly Cash Dividends Apr 20 2016
TCF Receives Innovation in Financial Education Award Presented by Nasdaq and EverFi Apr 07 2016
TCF to Announce First Quarter 2016 Earnings and Host Conference Call on Thursday, April 21, 2016 Apr 06 2016
TCF to Webcast Its Annual Meeting of Stockholders Apr 06 2016
TCF Reports Quarterly Net Income of $52.5 Million, or 29 Cents Per Share and Annual Net Income of... Jan 28 2016
TCF meets 4Q profit forecasts Jan 28 2016
TCF Bank and TCF Foundation Give $3 Million to Continue Building Better Communities Jan 25 2016
TCF Declares Quarterly Cash Dividends Jan 22 2016
TCF Bank and Milwaukee Public Schools Extend Partnership to Keep Kids Warm this Winter Jan 07 2016
TCF to Announce Fourth Quarter 2015 Earnings and Host Conference Call on Thursday, January 28, 2016 Jan 06 2016
TCF Bank Customers Now Can Use Android Pay Dec 18 2015
TCF Bank Extends Relationship with First Data to Provide Payment Solutions to Small and Medium-Sized... Dec 08 2015
TCF Announces Leadership Changes Effective January 1, 2016 Dec 08 2015
TCF Bank and Milwaukee Public Schools Partner to Keep Kids Warm this Winter Dec 08 2015
TCF meets 3Q profit forecasts Oct 22 2015
TCF meets 2Q profit forecasts Jul 23 2015
TCF misses Street 1Q forecasts Apr 21 2015
TCF misses Street 4Q forecasts Jan 29 2015
TCF posts 3Q profit Oct 24 2014

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