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The Community Financial (The Community Financial) Debt-to-Equity : 0.30 (As of Mar. 2023)


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What is The Community Financial Debt-to-Equity?

The Community Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2023 was $21.50 Mil. The Community Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2023 was $37.69 Mil. The Community Financial's Total Stockholders Equity for the quarter that ended in Mar. 2023 was $198.81 Mil. The Community Financial's debt to equity for the quarter that ended in Mar. 2023 was 0.30.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for The Community Financial's Debt-to-Equity or its related term are showing as below:

TCFC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.21   Med: 0.72   Max: 1.77
Current: 0.3

During the past 13 years, the highest Debt-to-Equity Ratio of The Community Financial was 1.77. The lowest was 0.21. And the median was 0.72.

TCFC's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.69 vs TCFC: 0.30

The Community Financial Debt-to-Equity Historical Data

The historical data trend for The Community Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

The Community Financial Debt-to-Equity Chart

The Community Financial Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.59 0.49 0.34 0.24 0.62

The Community Financial Quarterly Data
Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.26 0.21 0.21 0.62 0.30

Competitive Comparison of The Community Financial's Debt-to-Equity

For the Banks - Regional subindustry, The Community Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


The Community Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, The Community Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where The Community Financial's Debt-to-Equity falls into.



The Community Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

The Community Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2022 is calculated as

The Community Financial's Debt to Equity Ratio for the quarter that ended in Mar. 2023 is calculated as

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


The Community Financial  (NAS:TCFC) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.


Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.


The Community Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of The Community Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


The Community Financial (The Community Financial) Business Description

Traded in Other Exchanges
N/A
Address
3035 Leonardtown Road, Waldorf, MD, USA, 20601
The Community Financial Corp is a bank holding company for Community Bank of the Chesapeake (The bank). The company is engaged in providing financial services to individuals and businesses through its offices in Southern Maryland and Fredericksburg, Virginia. The company offers deposits like demand, savings, and time. Also, it offers lending products like commercial and residential mortgage loans, commercial loans, construction and land development loans, home equity, and second mortgages and commercial equipment loans.
Executives
John Anthony Chappelle other: EVP & CDO of Subsidiary C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Sanders Edward Lawrence Iii director C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Todd L Capitani officer: EVP & Senior Financial Officer 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Michael Brian Adams director C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Kimberly Briscoe-tonic director C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Mohammad Arshed Javaid director 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Rebecca Middleton Mcdonald director C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Tala Tay other: EVP & CRO of Subsidiary C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Brian Scot Ebron other: EVP & CBO-VA of Subsidiary C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Patrick Douglas Pierce other: EVP & CBO-MD of Subsidiary C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Lacey Amanda Pierce other: EVP & CAO of Subsidiary C/O THE COMMUNITY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Slater A Joseph Jr director 3035 LEONARDTOWN ROAD, WALDORF MD 20601
William J Pasenelli officer: Executive V.P. & CFO 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Mary Todd Peterson director 3035 LEONARDTOWN ROAD, WALDORF MD 20601
Stone Joseph V Jr director C/O TRI-COUNTY FINANCIAL CORPORATION, 3035 LEONARDTOWN ROAD, WALDORF MD 20601