TCF Financial Corporation (TCF)
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% |
Analyst Forecasts
Analyst Consensus: Buy
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,689 | 1,416 | 1,305 | 489 | 348 | 270 | 246 | 224 | 205 | 168 |
| Revenue Growth | 19.29% | 8.51% | 167.13% | 40.5% | 29% | 9.55% | 9.98% | 9.27% | 21.88% | - |
| Gross Profit | 1,689 | 1,416 | 1,305 | 489 | 348 | 270 | 246 | 224 | 205 | 168 |
| Operating Income | 357 | 402 | 245 | 150 | 124 | 89.62 | 81.11 | 71.81 | 60.25 | 31.19 |
| Net Income | 295 | 304 | 269 | 108 | 86.83 | 62.12 | 56.81 | 51.01 | 43.05 | 23.09 |
| Shares Outstanding | 112 | 84.13 | 85.71 | 70.55 | 38.13 | 32.76 | 29.78 | 27.50 | 27.46 | 27.44 |
| Earnings Per Share | 2.55 | 3.43 | 2.83 | 2.17 | 2.39 | 1.97 | 2.00 | 1.85 | 1.57 | 0.88 |
| EPS Growth | -25.66% | 21.2% | 30.41% | -9.21% | 21.32% | -1.5% | 8.11% | 17.83% | 78.41% | - |
| Dividend Per Share | 1.38 | 1.24 | 1.10 | 1.06 | 1.00 | 0.94 | 0.87 | 0.82 | 0.80 | 0.80 |
| Dividend Growth | 11.29% | 12.73% | 3.77% | 6% | 6.38% | 8.05% | 6.1% | 2.5% | 0% | - |
| Operating Cash Flow | 642 | 564 | 245 | 281 | 103 | 90.23 | 89.68 | 95.17 | 102 | 77.21 |
| Capital Expenditures | -155 | -156 | -168 | -18.10 | -8.53 | -13.41 | -8.66 | -10.30 | -8.60 | -7.73 |
| Free Cash Flow | 487 | 408 | 76.69 | 262 | 94.52 | 76.81 | 81.02 | 84.86 | 93.87 | 69.48 |
| Cash & Equivalents | 1,228 | 587 | 456 | 474 | 239 | 183 | 311 | 656 | 382 | 536 |
| Total Debt | 5,024 | 1,449 | 2,373 | 1,766 | 640 | 389 | 327 | 345 | 347 | 317 |
| Net Cash / Debt | -3,795 | -862 | -1,917 | -1,291 | -401 | -206 | -16.64 | 311 | 35.10 | 219 |
| Assets | 46,652 | 23,700 | 19,281 | 17,355 | 9,189 | 7,322 | 6,185 | 5,917 | 5,339 | 5,246 |
| Liabilities | 40,924 | 21,143 | 16,612 | 14,774 | 8,173 | 6,525 | 5,488 | 5,321 | 4,768 | 4,686 |
| Book Value | 5,707 | 2,538 | 2,669 | 2,582 | 1,016 | 797 | 697 | 596 | 572 | 560 |
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.