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TCF Financial Corporation (TCF)

Stock Price: $35.99 USD -1.46 (-3.90%)
Updated November 25, 4:00 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap 5.49B
Revenue (ttm) 1.85B
Net Income (ttm) 233.83M
Shares Out 152.49M
EPS (ttm) 1.54
PE Ratio 23.37
Forward PE 11.56
Dividend $1.40
Dividend Yield 3.89%

Stock Quote

Trading Day November 25
Last Price $35.99
Previous Close $37.45
Change ($) -1.46
Change (%) -3.90%
Day's Open 36.11
Day's Range 35.61 - 36.94
Day's Volume 845,829
52-Week Range 16.96 - 47.46

More Stats

Market Cap 5.49B
Enterprise Value 5.24B
Earnings Date (est) Feb 1, 2021
Ex-Dividend Date Nov 12, 2020
Shares Outstanding 152.49M
Float 149.59M
EPS (basic) 1.59
EPS (diluted) 1.54
FCF / Share -0.11
Dividend $1.40
Dividend Yield 3.89%
Earnings Yield 4.28%
FCF Yield n/a
Payout Ratio 88.10%
Shares Short 3.78M
Short Ratio 5.12
Short % of Float 2.53%
Beta 1.75
PE Ratio 23.37
Forward PE 11.56
P/FCF Ratio n/a
PS Ratio 2.96
PB Ratio 0.94
Revenue 1.85B
Operating Income 288.05M
Net Income 233.83M
Free Cash Flow -17.21M
Net Cash 243.95M
Net Cash / Share 1.60
Gross Margin 90.63%
Operating Margin 15.55%
Profit Margin 12.60%
FCF Margin -0.93%
ROA 0.54%
ROE 4.44%
ROIC 0.60%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (14)

Buy 10
Overweight 0
Hold 4
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$34.93*
(-2.95% downside)
Low
25.0
Current: $35.99
High
42.0
Target: 34.93
*Average 12-month price target from 14 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue1,6891,4161,305489348270246224205168
Revenue Growth19.29%8.51%167.13%40.5%29%9.55%9.98%9.27%21.88%-
Gross Profit1,6891,4161,305489348270246224205168
Operating Income35740224515012489.6281.1171.8160.2531.19
Net Income29530426910886.8362.1256.8151.0143.0523.09
Shares Outstanding11284.1385.7170.5538.1332.7629.7827.5027.4627.44
Earnings Per Share2.553.432.832.172.391.972.001.851.570.88
EPS Growth-25.66%21.2%30.41%-9.21%21.32%-1.5%8.11%17.83%78.41%-
Dividend Per Share1.381.241.101.061.000.940.870.820.800.80
Dividend Growth11.29%12.73%3.77%6%6.38%8.05%6.1%2.5%0%-
Operating Cash Flow64256424528110390.2389.6895.1710277.21
Capital Expenditures-155-156-168-18.10-8.53-13.41-8.66-10.30-8.60-7.73
Free Cash Flow48740876.6926294.5276.8181.0284.8693.8769.48
Cash & Equivalents1,228587456474239183311656382536
Total Debt5,0241,4492,3731,766640389327345347317
Net Cash / Debt-3,795-862-1,917-1,291-401-206-16.6431135.10219
Assets46,65223,70019,28117,3559,1897,3226,1855,9175,3395,246
Liabilities40,92421,14316,61214,7748,1736,5255,4885,3214,7684,686
Book Value5,7072,5382,6692,5821,016797697596572560
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name TCF Financial Corporation
Country United States
Employees 7,140
CEO David T. Provost

Stock Information

Ticker Symbol TCF
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: TCF

Description

TCF Financial Corporation operates as the financial holding company for TCF National Bank that provides various financial products and services in the United States and Canada. It operates through Consumer Banking, Wholesale Banking, and Enterprise Services segments. The company offers checking, savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also provides consumer loans; loans secured by personal property, as well as unsecured personal loans; commercial and industrial loans; commercial real estate loans; lease and equipment financing products; inventory financing products; and residential, consumer, and small business lending products. In addition, the company offers investment management and custodial, trust, and financial and estate planning services; retirement planning and employee benefit programs; and cash management, international trade finance, foreign exchange management, and loan syndication services, as well as sells investment products, such as annuity products and mutual funds. Further, it provides treasury services comprising investment and borrowing portfolios, as well as manages capital, debt, and market risks; check cashing and remittance services; lines of credit, letters of credit, and capital market products; and credit and debit cards. As of December 31, 2019, the company had 520 branches, including 396 traditional branches, 121 supermarket branches, and three campus branches located in Michigan, Illinois, Minnesota, Colorado, Ohio, Wisconsin, Arizona, and South Dakota; and 1,099 ATMs. TCF Financial Corporation was founded in 1923 and is headquartered in Detroit, Michigan.