TCFC

The Community Financial Corporation

Financial Services

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Price alert · TCFC

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27.09 0.00 0.00%
As of Jun 30, 2023
26.91 Day range 27.80

52-week range unavailable

Open
27.47
Prev close
27.09
Mkt cap
153.58M
Vol
117.57K
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
2.56%
More statistics
Low
26.91
High
27.80
Forward P/E
6.02
Beta
0.75
Short ratio
0.68
Inst. own
37.17%
Dividend
0.70
Ex-div date
Apr 10, 2023
Earnings
Jul 24, 2023
50-d avg
27.13
200-d avg
34.97
1y target
53.00

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Financial health

Altman Z-Score

0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 8.3×
FY 2013: 10.9×FY 2014: 14.9×FY 2015: 15.4×FY 2016: 18.1×FY 2017: 24.6×FY 2018: 14.5×FY 2019: 12.9×FY 2020: 9.7×FY 2021: 8.8×FY 2022: 8.3×
FY 2013 5y median 9.7× FY 2022
P/S 2.8×
FY 2013: 1.9×FY 2014: 2.4×FY 2015: 2.4×FY 2016: 3.1×FY 2017: 3.7×FY 2018: 3.0×FY 2019: 3.3×FY 2020: 2.3×FY 2021: 3.1×FY 2022: 2.8×
FY 2013 5y median 3.0× FY 2022
P/B 1.2×
FY 2013: 0.6×FY 2014: 0.8×FY 2015: 1.0×FY 2016: 1.3×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.2×
FY 2013 5y median 1.1× FY 2022
P/FCF 6.7×
FY 2013: 9.4×FY 2014: 11.3×FY 2015: 10.7×FY 2016: 14.9×FY 2017: 19.0×FY 2018: 9.2×FY 2019: 13.3×FY 2020: 5.6×FY 2021: 7.4×FY 2022: 6.7×
FY 2013 5y median 7.4× FY 2022
EV/EBITDA 6.4×
FY 2013: 0.0×FY 2014: 124×FY 2015: 148×FY 2016: 195×FY 2017: 213×FY 2018: 91.5×FY 2019: 109×FY 2020: 52.6×FY 2021: 58.0×FY 2022: 6.4×
FY 2013 5y median 58.0× FY 2022
EV/Sales 4.0×
FY 2013: 3.8×FY 2014: 4.1×FY 2015: 5.3×FY 2016: 7.0×FY 2017: 7.2×FY 2018: 4.1×FY 2019: 4.3×FY 2020: 2.1×FY 2021: 1.9×FY 2022: 4.0×
FY 2013 5y median 4.0× FY 2022
FCF Yield 15.0%
FY 2013: 10.6%FY 2014: 8.9%FY 2015: 9.3%FY 2016: 6.7%FY 2017: 5.3%FY 2018: 10.9%FY 2019: 7.5%FY 2020: 17.8%FY 2021: 13.4%FY 2022: 15.0%
FY 2013 5y median 13.4% FY 2022

Profitability

Gross Margin 100.0%
FY 2013: 100.0%FY 2014: 100.0%FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%
FY 2013 5y median 100.0% FY 2022
Operating Margin 63.1%
FY 2013: 28.8%FY 2014: 26.2%FY 2015: 25.0%FY 2016: 27.2%FY 2017: 34.5%FY 2018: 54.0%FY 2019: 35.3%FY 2020: 29.8%FY 2021: 46.5%FY 2022: 63.1%
FY 2013 5y median 46.5% FY 2022
Net Margin 35.4%
FY 2013: 18.4%FY 2014: 16.6%FY 2015: 15.9%FY 2016: 16.9%FY 2017: 15.2%FY 2018: 20.4%FY 2019: 25.8%FY 2020: 23.3%FY 2021: 34.8%FY 2022: 35.4%
FY 2013 5y median 25.8% FY 2022
ROE 15.1%
FY 2013: 6.0%FY 2014: 5.6%FY 2015: 6.4%FY 2016: 7.0%FY 2017: 6.6%FY 2018: 7.3%FY 2019: 8.4%FY 2020: 8.1%FY 2021: 12.4%FY 2022: 15.1%
FY 2013 5y median 8.4% FY 2022
ROIC 1.6%
FY 2013: 3.0%FY 2014: 3.1%FY 2015: 3.0%FY 2016: 2.9%FY 2017: 2.6%FY 2018: 1.3%FY 2019: 3.0%FY 2020: 2.6%FY 2021: 2.2%FY 2022: 1.6%
FY 2013 5y median 2.2% FY 2022
ROA 1.2%
FY 2013: 0.6%FY 2014: 0.6%FY 2015: 0.6%FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.7%FY 2019: 0.8%FY 2020: 0.8%FY 2021: 1.1%FY 2022: 1.2%
FY 2013 5y median 0.8% FY 2022

Growth (YoY)

Revenue 7.5%
FY 2013: 6.2%FY 2014: 8.1%FY 2015: 1.7%FY 2016: 8.6%FY 2017: 9.7%FY 2018: 15.8%FY 2019: 7.9%FY 2020: 16.9%FY 2021: 7.2%FY 2022: 7.5%
FY 2013 FY 2022
Operating Income 45.7%
FY 2013: 34.2%FY 2014: -1.5%FY 2015: -2.8%FY 2016: 17.8%FY 2017: 39.3%FY 2018: 81.4%FY 2019: -29.5%FY 2020: -1.5%FY 2021: 67.7%FY 2022: 45.7%
FY 2013 FY 2022
EPS (diluted) 7.4%
FY 2013: 19.7%FY 2014: -28.2%FY 2015: 0.0%FY 2016: 17.8%FY 2017: -1.9%FY 2018: 29.5%FY 2019: 36.1%FY 2020: -0.4%FY 2021: 63.1%FY 2022: 7.4%
FY 2013 FY 2022
Free Cash Flow 10.9%
FY 2013: -0.6%FY 2014: 10.8%FY 2015: 9.3%FY 2016: -1.1%FY 2017: 4.2%FY 2018: 89.0%FY 2019: -15.6%FY 2020: 87.0%FY 2021: 9.9%FY 2022: 10.9%
FY 2013 FY 2022

Financial Health

Current Ratio 29.3×
FY 2013: 0.0×FY 2014: 32.7×FY 2015: 1.4×FY 2016: 0.9×FY 2017: 1.0×FY 2018: 40.9×FY 2019: 49.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 29.3×
FY 2013 5y median 29.3× FY 2022
Quick Ratio 29.3×
FY 2013: 0.0×FY 2014: 32.7×FY 2015: 1.4×FY 2016: 0.9×FY 2017: 1.0×FY 2018: 40.9×FY 2019: 49.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 29.3×
FY 2013 5y median 29.3× FY 2022
Debt / Equity 0.6×
FY 2013: 0.7×FY 2014: 0.8×FY 2015: 1.3×FY 2016: 1.7×FY 2017: 1.6×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.6×
FY 2013 5y median 0.5× FY 2022
Net Debt / EBITDA 1.9×
FY 2013: 0.0×FY 2014: 52.6×FY 2015: 80.4×FY 2016: 109×FY 2017: 102×FY 2018: 25.6×FY 2019: 24.3×FY 2020: -3.7×FY 2021: -37.6×FY 2022: 1.9×
FY 2013 5y median 1.9× FY 2022
Interest Coverage 5.5×
FY 2013: 1.4×FY 2014: 1.5×FY 2015: 1.4×FY 2016: 1.4×FY 2017: 1.6×FY 2018: 2.1×FY 2019: 1.1×FY 2020: 2.0×FY 2021: 8.4×FY 2022: 5.5×
FY 2013 5y median 2.1× FY 2022

Dividends

Dividend Yield 1.7%
FY 2013: 2.2%FY 2014: 2.2%FY 2015: 2.0%FY 2016: 1.4%FY 2017: 1.0%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.8%FY 2021: 1.4%FY 2022: 1.7%
FY 2013 5y median 1.4% FY 2022
Payout Ratio 13.3%
FY 2013: 23.7%FY 2014: 31.7%FY 2015: 30.2%FY 2016: 24.7%FY 2017: 25.0%FY 2018: 19.3%FY 2019: 17.5%FY 2020: 17.5%FY 2021: 12.2%FY 2022: 13.3%
FY 2013 5y median 17.5% FY 2022

Annual · latest fiscal year ends 2022-12-31