The Community Financial Corporation (TCFC)
Stock Price Chart
Key Info
| Market Cap | 134.23M |
| Revenue (ttm) | 55.79M |
| Net Income (ttm) | 13.97M |
| Shares Out | 5.91M |
| EPS (ttm) | 2.44 |
| PE Ratio | 9.30 |
| Forward PE | n/a |
| Dividend | $0.50 |
| Dividend Yield | 2.20% |
Stock Quote
| Trading Day | Aug 13, 2020 |
| Last Price | $22.70 |
| Previous Close | $22.70 |
| Change ($) | 0.00 |
| Change (%) | 0.00% |
| Day's Open | 22.63 |
| Day's Range | 22.27 - 23.06 |
| Day's Volume | 3,909 |
| 52-Week Range | 17.50 - 36.23 |
More Stats
| Market Cap | 134.23M |
| Enterprise Value | 80.44M |
| Earnings Date (est) | Oct 21, 2020 |
| Ex-Dividend Date | Apr 6, 2020 |
| Shares Outstanding | 5.91M |
| Float | 5.15M |
| EPS (basic) | 2.46 |
| EPS (diluted) | 2.44 |
| FCF / Share | 3.88 |
| Dividend | $0.50 |
| Dividend Yield | 2.20% |
| Earnings Yield | 10.75% |
| FCF Yield | 17.09% |
| Payout Ratio | n/a |
| Shares Short | 47,183 |
| Short Ratio | 5.95 |
| Short % of Float | 0.89% |
| Beta | 0.69 |
| PE Ratio | 9.30 |
| Forward PE | n/a |
| P/FCF Ratio | 5.85 |
| PS Ratio | 2.41 |
| PB Ratio | 0.69 |
| Revenue | 55.79M |
| Operating Income | 18.00M |
| Net Income | 13.97M |
| Free Cash Flow | 22.94M |
| Net Cash | 53.79M |
| Net Cash / Share | 9.10 |
| Gross Margin | 102.47% |
| Operating Margin | 32.26% |
| Profit Margin | 25.00% |
| FCF Margin | 41.12% |
| ROA | 0.73% |
| ROE | 7.91% |
| ROIC | n/a |
Analyst Summary
Analyst Consensus: Overweight
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 57.17 | 53.55 | 46.42 | 41.34 | 38.39 | 36.50 | 35.27 | 31.57 | 26.94 | 25.60 |
| Revenue Growth | 6.76% | 15.36% | 12.28% | 7.68% | 5.19% | 3.5% | 11.71% | 17.17% | 5.24% | - |
| Gross Profit | 57.17 | 53.55 | 46.42 | 41.34 | 38.39 | 36.50 | 35.27 | 31.57 | 26.94 | 25.60 |
| Operating Income | 20.94 | 15.40 | 16.37 | 11.75 | 9.98 | 10.27 | 10.42 | 7.77 | 4.70 | 7.41 |
| Net Income | 15.27 | 11.23 | 7.21 | 7.33 | 6.34 | 6.49 | 6.65 | 4.99 | 3.16 | 4.77 |
| Shares Outstanding | 5.58 | 5.58 | 4.65 | 4.66 | 4.71 | 4.69 | 4.65 | 3.03 | 3.01 | 2.99 |
| Earnings Per Share | 2.75 | 2.02 | 1.56 | 1.59 | 1.35 | 1.35 | 1.88 | 1.57 | 0.82 | 1.30 |
| EPS Growth | 36.14% | 29.49% | -1.89% | 17.78% | 0% | -28.19% | 19.75% | 91.46% | -36.92% | - |
| Dividend Per Share | 0.50 | 0.40 | 0.40 | 0.40 | 0.30 | 0.40 | 0.50 | 0.40 | 0.40 | 0.40 |
| Dividend Growth | 25% | 0% | 0% | 33.33% | -25% | -20% | 25% | 0% | 0% | - |
| Operating Cash Flow | 15.69 | 19.40 | 10.10 | 12.92 | 12.50 | 10.63 | 8.51 | 12.03 | 10.32 | 8.83 |
| Capital Expenditures | -0.81 | -1.78 | -0.78 | -3.97 | -3.45 | -2.36 | -1.04 | -4.51 | -5.21 | -1.19 |
| Free Cash Flow | 14.88 | 17.62 | 9.32 | 8.95 | 9.05 | 8.28 | 7.47 | 7.52 | 5.11 | 7.64 |
| Cash & Equivalents | 32.47 | 33.04 | 15.42 | 11.26 | 11.14 | 21.37 | 24.52 | 11.30 | 19.12 | 9.82 |
| Total Debt | 88.87 | 90.44 | 178 | 180 | 127 | 88.67 | 82.48 | 73.53 | 72.58 | 83.44 |
| Net Cash / Debt | -56.40 | -57.40 | -163 | -168 | -115 | -67.30 | -57.96 | -62.23 | -53.46 | -73.62 |
| Assets | 1,798 | 1,689 | 1,406 | 1,334 | 1,143 | 1,083 | 1,024 | 982 | 983 | 886 |
| Liabilities | 1,616 | 1,535 | 1,296 | 1,230 | 1,044 | 966 | 913 | 903 | 908 | 815 |
| Book Value | 181 | 154 | 110 | 104 | 99.78 | 117 | 111 | 79.05 | 75.45 | 71.10 |
Company Profile
Company Details
| Full Name | The Community Financial Corporation |
| Country | United States |
| Employees | 194 |
| CEO | William J. Pasenelli |
Stock Information
| Ticker Symbol | TCFC |
| Stock Exchange | NASDAQ |
| Sector | Financial Services |
| Industry | Banks—Regional |
| Unique Identifier | NASDAQ: TCFC |
Description
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.