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The Community Financial Corporation (TCFC)

Stock Price: $26.95 USD 0.14 (0.52%)
Updated December 3, 10:21 AM EST - Market open

Stock Price Chart

Key Info

Market Cap 159.37M
Revenue (ttm) 56.01M
Net Income (ttm) 14.07M
Shares Out 5.91M
EPS (ttm) 2.42
PE Ratio 11.14
Forward PE n/a
Dividend $0.50
Dividend Yield 1.86%

Stock Quote

Trading Day December 3
Last Price $26.95
Previous Close $26.81
Change ($) 0.14
Change (%) 0.52%
Day's Open 26.86
Day's Range 26.54 - 26.95
Day's Volume 1,393
52-Week Range 18.08 - 35.48

More Stats

Market Cap 159.37M
Enterprise Value 120.08M
Earnings Date (est) n/a
Ex-Dividend Date Oct 5, 2020
Shares Outstanding 5.91M
Float n/a
EPS (basic) 2.44
EPS (diluted) 2.42
FCF / Share 3.92
Dividend $0.50
Dividend Yield 1.86%
Earnings Yield 8.98%
FCF Yield 14.54%
Payout Ratio 20.50%
Shares Short 46,566
Short Ratio 6.90
Short % of Float n/a
Beta 0.82
PE Ratio 11.14
Forward PE n/a
P/FCF Ratio 6.88
PS Ratio 2.85
PB Ratio 0.83
Revenue 56.01M
Operating Income 17.99M
Net Income 14.07M
Free Cash Flow 23.17M
Net Cash 39.29M
Net Cash / Share 6.64
Gross Margin 102.07%
Operating Margin 32.12%
Profit Margin 25.10%
FCF Margin 41.37%
ROA 0.70%
ROE 7.81%
ROIC 0.90%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (2)

Buy 0
Overweight 0
Hold 2
Underweight 0
Sell 0

Analyst Consensus: Hold

Price Target

(-5.38% downside)
Current: $26.95
Target: 25.50
*Average 12-month price target from 2 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Revenue Growth6.76%15.36%12.28%7.68%5.19%3.5%11.71%17.17%5.24%-
Gross Profit57.1753.5546.4241.3438.3936.5035.2731.5726.9425.60
Operating Income20.9415.4016.3711.759.9810.2710.427.774.707.41
Net Income15.2711.237.217.336.346.496.654.993.164.77
Shares Outstanding5.585.584.654.664.714.694.653.033.012.99
Earnings Per Share2.752.021.561.591.351.351.881.570.821.30
EPS Growth36.14%29.49%-1.89%17.78%0%-28.19%19.75%91.46%-36.92%-
Dividend Per Share0.500.400.400.400.300.400.500.400.400.40
Dividend Growth25%0%0%33.33%-25%-20%25%0%0%-
Operating Cash Flow15.6919.4010.1012.9212.5010.638.5112.0310.328.83
Capital Expenditures-0.81-1.78-0.78-3.97-3.45-2.36-1.04-4.51-5.21-1.19
Free Cash Flow14.8817.629.328.959.058.287.477.525.117.64
Cash & Equivalents32.4733.0415.4211.2611.1421.3724.5211.3019.129.82
Total Debt88.8790.4417818012788.6782.4873.5372.5883.44
Net Cash / Debt-56.40-57.40-163-168-115-67.30-57.96-62.23-53.46-73.62
Book Value18115411010499.7811711179.0575.4571.10
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name The Community Financial Corporation
Country United States
Employees 189
CEO William Pasenelli

Stock Information

Ticker Symbol TCFC
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks-Regional
Unique Identifier NASDAQ: TCFC


The Community Financial Corporation operates as the bank holding company for Community Bank of the Chesapeake that provides commercial and retail banking services to individuals and businesses. Its deposit products include savings, money market, demand deposit, IRA, SEP, and time deposit accounts. The company provides loan products, such as commercial real estate and other non-residential real estate, residential first mortgage, residential rental mortgage, construction and land development, home equity and second mortgage, commercial, consumer, and commercial equipment loans. It also offers safe deposit box, night depository, cash vault, automated clearinghouse transaction, wire transfer, automated teller machine (ATM), online and telephone banking, retail and business mobile banking, remote deposit capture, reciprocal deposit, merchant card, credit monitoring, investment, positive pay, payroll, account reconciliation, bill pay, credit card, and lockbox services. As of December 31, 2019, it operated 12 banking centers in Waldorf, Bryans Road, Dunkirk, Leonardtown, La Plata, Charlotte Hall, Prince Frederick, Lusby, and California, Maryland, as well as Fredericksburg, Virginia; four loan production offices in La Plata, Prince Frederick, and Leonardtown, Maryland, as well as Fredericksburg, Virginia; and 15 ATMs. The company was formerly known as Tri-County Financial Corporation and changed its name to The Community Financial Corporation in October 2013. The Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, Maryland.