NAS:TCFC (USA)

The Community Financial Corp

$ 29.87 0 (0%)
Volume: 1,820 Avg Vol (1m): 8,033
Market Cap $: 166.75 Mil Enterprise Value $: 109.06 Mil
P/E (TTM): 11.90 P/B: 1.04
Earnings Power Value 8.51
Net Current Asset Value 0
Tangible Book 26.2
Projected FCF 41.92
Median P/S Value 22.83
Graham Number 38.47
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 3/10

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.
Current vs industry vs history
Cash-to-Debt 0.22
Cash-To-Debt ranked lower than
77.80% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
TCFC: 0.22
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.06, Med: 0.14, Max: 0.6
Current: 0.22
0.06
0.6
Equity-to-Asset 0.09
Equity-to-Asset ranked lower than
64.17% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
TCFC: 0.09
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.06, Med: 0.08, Max: 0.11
Current: 0.09
0.06
0.11
Debt-to-Equity 0.57
Debt-to-Equity ranked higher than
66.62% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
TCFC: 0.57
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.4, Med: 1.71, Max: 7.02
Current: 0.57
0.4
7.02
Debt-to-EBITDA 1.64
Debt-to-EBITDA ranked higher than
52.12% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
TCFC: 1.64
Ranked among companies with meaningful Debt-to-EBITDA only.
N/A
Beneish M-Score -2.33
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 5.77%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 25.19
Net Margin ranked lower than
63.51% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
TCFC: 25.19
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 10.19, Med: 16.04, Max: 20.43
Current: 25.19
10.19
20.43
ROE % 9.18
ROE ranked lower than
63.98% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
TCFC: 9.18
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 2.99, Med: 6.02, Max: 8.49
Current: 9.18
2.99
8.49
ROA % 0.84
ROA ranked lower than
67.78% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
TCFC: 0.84
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.34, Med: 0.57, Max: 0.73
Current: 0.84
0.34
0.73
3-Year Total Revenue Growth Rate 11.30
3-Year Revenue Growth Rate ranked higher than
62.19% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
TCFC: 5.1
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -8.6, Med: 6.8, Max: 22.7
Current: 5.1
-8.6
22.7
3-Year EPS w/o NRI Growth Rate 14.40
3-Year EPS w/o NRI Growth Rate ranked lower than
51.58% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
TCFC: 14.4
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -24.5, Med: 5, Max: 32.2
Current: 14.4
-24.5
32.2

» TCFC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:DNBF NAS:MFNC NAS:UNB NAS:ESXB NAS:CFFI NAS:PMBC OTCPK:RVRF NAS:FFNW NAS:PEBK OTCPK:FRAF OTCPK:ISBA NAS:FCCY NAS:UBFO AMEX:EVBN NAS:BSVN NAS:OVBC NAS:FNCB OTCPK:CFNB NAS:CBNK NAS:OVLY
Traded in other countries
Address 3035 Leonardtown Road, Waldorf, MD, USA, 20601
The Community Financial Corp is a US-based bank holding company for Community Bank of the Chesapeake (The bank). Its business is organized into the following segments, Lending Activities, Investment Activities, Sources of Funds and Subsidiary Activities. The bank mainly serves several counties in Maryland and engages in the commercial and retail banking business as authorized by the banking statutes of the State of Maryland and applicable federal regulations, including the acceptance of deposits, and the origination of loans to individuals, associations, partnerships, and corporations. It also offers a variety of real estate and commercial loans.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.90
PE Ratio ranked lower than
68.27% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
TCFC: 11.9
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 8.54, Med: 15.12, Max: 32.37
Current: 11.9
8.54
32.37
PE Ratio without NRI 11.90
PE without NRI ranked lower than
67.75% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
TCFC: 11.9
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 8.54, Med: 15.12, Max: 32.37
Current: 11.9
8.54
32.37
Price-to-Owner-Earnings 10.84
Price-to-Owner-Earnings ranked lower than
75.13% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
TCFC: 10.84
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.93, Med: 17.52, Max: 3750
Current: 10.84
4.93
3750
PB Ratio 1.04
PB Ratio ranked higher than
51.36% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
TCFC: 1.04
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.59, Med: 0.99, Max: 1.69
Current: 1.04
0.59
1.69
PS Ratio 3.01
PS Ratio ranked lower than
50.27% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
TCFC: 3.01
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.19, Med: 2.3, Max: 3.9
Current: 3.01
1.19
3.9
Price-to-Free-Cash-Flow 9.29
Price-to-Free-Cash-Flow ranked lower than
61.68% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
TCFC: 9.29
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.77, Med: 10.55, Max: 307.69
Current: 9.29
1.77
307.69
Price-to-Operating-Cash-Flow 9.10
Price-to-Operating-Cash-Flow ranked lower than
67.09% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
TCFC: 9.1
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.73, Med: 8.49, Max: 180
Current: 9.1
1.73
180
EV-to-Revenue 1.98
EV-to-Revenue ranked higher than
50.42% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
TCFC: 1.98
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 1.8, Med: 5.1, Max: 8.4
Current: 1.98
1.8
8.4
Shiller PE Ratio 18.94
Shiller PE Ratio ranked lower than
62.35% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
TCFC: 18.94
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 7.81, Med: 13.67, Max: 28.36
Current: 18.94
7.81
28.36

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.51
Trailing Dividend Yield ranked lower than
83.53% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
TCFC: 1.51
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1, Med: 1.97, Max: 3.81
Current: 1.51
1
3.81
Dividend Payout Ratio 0.18
Dividend Payout Ratio ranked higher than
63.66% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
TCFC: 0.18
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.19, Med: 0.28, Max: 0.59
Current: 0.18
0.19
0.59
3-Year Dividend Growth Rate (Per Share) 9.50
3-Year Dividend Growth Rate ranked lower than
80.45% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
TCFC: 9.5
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 24.6
Current: 9.5
0
24.6
Forward Dividend Yield % 1.67
Forward Dividend Yield ranked lower than
82.20% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
TCFC: 1.67
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 1.38
Yield-on-Cost (5y) ranked lower than
89.77% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
TCFC: 1.38
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.91, Med: 1.8, Max: 3.48
Current: 1.38
0.91
3.48
3-Year Share Buyback Rate -6.30
3-Year Share Buyback Rate ranked higher than
84.96% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
TCFC: -6.3
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -25, Med: -1.9, Max: 18.9
Current: -6.3
-25
18.9

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.14
Price-to-Tangible-Book ranked higher than
50.57% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
TCFC: 1.14
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.64, Med: 1.19, Max: 3.39
Current: 1.14
0.64
3.39
Price-to-Projected-FCF 0.72
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
51.15% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
TCFC: 0.72
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.41, Med: 0.68, Max: 1.15
Current: 0.72
0.41
1.15
Price-to-Median-PS-Value 1.31
Price-to-Median-PS-Value ranked lower than
76.71% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
TCFC: 1.31
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.53, Med: 1.17, Max: 6.39
Current: 1.31
0.53
6.39
Price-to-Graham-Number 0.78
Price-to-Graham-Number ranked lower than
73.58% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
TCFC: 0.78
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.56, Med: 0.86, Max: 1.88
Current: 0.78
0.56
1.88

More Statistics

Revenue (TTM) (Mil) $ 55.12
EPS (TTM) $ 2.51
Beta 0.5
Volatility % 15.84
52-Week Range $ 26.47 - 37.75
Shares Outstanding (Mil) 5.58

Analyst Estimate

Piotroski F-Score Details