View Future GrowthThis company has been acquiredThe company may no longer be operating, as it has been acquired. Find out why through their latest events.See Latest EventsCommunity Financial 過去の業績過去 基準チェック /46Community Financialは、平均年間26.1%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間3% 10.1%収益成長率で 成長しています。 Community Financialの自己資本利益率は14.8%であり、純利益率は36.8%です。主要情報26.10%収益成長率25.05%EPS成長率Banks 業界の成長11.18%収益成長率10.07%株主資本利益率14.77%ネット・マージン36.83%前回の決算情報31 Mar 2023最近の業績更新Reported Earnings • Mar 08Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.6% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.Reported Earnings • Feb 01Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.Reported Earnings • Oct 25Third quarter 2022 earnings: Revenues exceed analyst expectationsThird quarter 2022 results: Revenue: US$19.6m (up 8.8% from 3Q 2021). Net income: US$7.58m (up 18% from 3Q 2021). Profit margin: 39% (up from 36% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 7.2%.Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$1.21 (vs US$1.10 in 2Q 2021)Second quarter 2022 results: EPS: US$1.21 (up from US$1.10 in 2Q 2021). Revenue: US$18.5m (up 3.0% from 2Q 2021). Net income: US$6.83m (up 6.3% from 2Q 2021). Profit margin: 37% (up from 36% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Reported Earnings • Apr 29First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: US$1.11. Revenue: US$17.5m (down 5.8% from 1Q 2021). Net income: US$6.29m (flat on 1Q 2021). Profit margin: 36% (up from 34% in 1Q 2021). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 3.2%. Earnings per share (EPS) exceeded analyst estimates by 2.3%. Over the next year, revenue is forecast to grow 3.7%, compared to a 11% growth forecast for the industry in the US.Reported Earnings • Mar 06Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: US$73.8m (up 26% from FY 2020). Net income: US$25.9m (up 60% from FY 2020). Profit margin: 35% (up from 28% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.34% (down from 3.36% in FY 2020). Cost-to-income ratio: 52.7% (down from 54.8% in FY 2020). Non-performing loans: 0.50% (down from 1.16% in FY 2020). Revenue exceeded analyst estimates by 2.0%. Over the next year, revenue is forecast to grow 1.6%, compared to a 6.0% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.すべての更新を表示Recent updatesRecent Insider Transactions • May 14Independent Director recently bought US$74k worth of stockOn the 10th of May, Michael Adams bought around 3k shares on-market at roughly US$25.85 per share. This transaction amounted to 53% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.分析記事 • May 05Is Now The Time To Put Community Financial (NASDAQ:TCFC) On Your Watchlist?For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Price Target Changed • Apr 08Price target decreased by 17% to US$37.00Down from US$44.50, the current price target is provided by 1 analyst. New target price is 13% above last closing price of US$32.67. Stock is down 17% over the past year. The company posted earnings per share of US$5.01 last year.Upcoming Dividend • Apr 04Upcoming dividend of US$0.17 per share at 2.1% yieldEligible shareholders must have bought the stock before 11 April 2023. Payment date: 24 April 2023. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.7%).分析記事 • Mar 10Community Financial (NASDAQ:TCFC) Will Pay A Dividend Of $0.175The Community Financial Corporation ( NASDAQ:TCFC ) will pay a dividend of $0.175 on the 24th of April. This payment...Reported Earnings • Mar 08Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.6% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.Reported Earnings • Feb 01Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Jan 02Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 09 January 2023. Payment date: 24 January 2023. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (4.5%). Lower than average of industry peers (3.2%).Price Target Changed • Dec 09Price target increased to US$49.00Up from US$44.50, the current price target is an average from 2 analysts. New target price is 23% above last closing price of US$39.80. Stock is up 6.8% over the past year. The company is forecast to post earnings per share of US$5.02 for next year compared to US$4.47 last year.Board Change • Nov 16High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. President, CEO, & Vice Chairman Jimmy Burke was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 25Third quarter 2022 earnings: Revenues exceed analyst expectationsThird quarter 2022 results: Revenue: US$19.6m (up 8.8% from 3Q 2021). Net income: US$7.58m (up 18% from 3Q 2021). Profit margin: 39% (up from 36% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 7.2%.Upcoming Dividend • Oct 01Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 07 October 2022. Payment date: 21 October 2022. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 2.0%. Lower than top quartile of American dividend payers (4.7%). Lower than average of industry peers (3.4%).Seeking Alpha • Sep 28The Community Financial declares $0.175 dividendThe Community Financial (NASDAQ:TCFC) declares $0.175/share quarterly dividend, in line with previous. Forward yield 2.09% Payable Oct. 21; for shareholders of record Oct. 11; ex-div Oct. 10. See TCFC Dividend Scorecard, Yield Chart, & Dividend Growth.Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$1.21 (vs US$1.10 in 2Q 2021)Second quarter 2022 results: EPS: US$1.21 (up from US$1.10 in 2Q 2021). Revenue: US$18.5m (up 3.0% from 2Q 2021). Net income: US$6.83m (up 6.3% from 2Q 2021). Profit margin: 37% (up from 36% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Seeking Alpha • Jul 25The Community Financial GAAP EPS of $1.21 beats by $0.15, revenue of $18.99MThe Community Financial press release (NASDAQ:TCFC): Q2 GAAP EPS of $1.21 beats by $0.15. Revenue of $18.99M (+3.8% Y/Y).Upcoming Dividend • Jul 04Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 11 July 2022. Payment date: 26 July 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 1.9%. Lower than top quartile of American dividend payers (4.2%). Lower than average of industry peers (3.2%).Reported Earnings • Apr 29First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: US$1.11. Revenue: US$17.5m (down 5.8% from 1Q 2021). Net income: US$6.29m (flat on 1Q 2021). Profit margin: 36% (up from 34% in 1Q 2021). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 3.2%. Earnings per share (EPS) exceeded analyst estimates by 2.3%. Over the next year, revenue is forecast to grow 3.7%, compared to a 11% growth forecast for the industry in the US.Upcoming Dividend • Apr 04Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 11 April 2022. Payment date: 25 April 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (3.7%). Lower than average of industry peers (2.6%).Seeking Alpha • Mar 31The Community Financial: Modest Loan Growth To Keep Earnings Above The Pre-Pandemic LevelThe loan growth will likely improve this year due to economic factors and limited Paycheck Protection Program forgiveness. An increase in interest rates can initially hurt the net interest margin because liability repricing will outweigh asset repricing. The December 2022 target price suggests a decent upside from the current market price. Further, TCFC is offering a small dividend yield.Reported Earnings • Mar 06Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: US$73.8m (up 26% from FY 2020). Net income: US$25.9m (up 60% from FY 2020). Profit margin: 35% (up from 28% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.34% (down from 3.36% in FY 2020). Cost-to-income ratio: 52.7% (down from 54.8% in FY 2020). Non-performing loans: 0.50% (down from 1.16% in FY 2020). Revenue exceeded analyst estimates by 2.0%. Over the next year, revenue is forecast to grow 1.6%, compared to a 6.0% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.Price Target Changed • Feb 02Price target increased to US$45.50Up from US$42.00, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$39.90. Stock is up 63% over the past year. The company is forecast to post earnings per share of US$4.22 for next year compared to US$4.47 last year.Reported Earnings • Jan 29Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$4.53 (up from US$2.74 in FY 2020). Revenue: US$73.8m (up 26% from FY 2020). Net income: US$25.9m (up 60% from FY 2020). Profit margin: 35% (up from 28% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates by 1.6%. Over the next year, revenue is expected to shrink by 2.7% compared to a 4.1% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Dec 31Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 07 January 2022. Payment date: 24 January 2022. Payout ratio is a comfortable 13% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (3.5%). Lower than average of industry peers (2.3%).分析記事 • Dec 04Community Financial's (NASDAQ:TCFC) Shareholders Will Receive A Bigger Dividend Than Last YearThe board of The Community Financial Corporation ( NASDAQ:TCFC ) has announced that it will be increasing its dividend...Price Target Changed • Oct 29Price target increased to US$44.50Up from US$41.00, the current price target is an average from 2 analysts. New target price is 17% above last closing price of US$37.95. Stock is up 74% over the past year. The company is forecast to post earnings per share of US$4.35 for next year compared to US$2.74 last year.Reported Earnings • Oct 27Third quarter 2021 earnings released: EPS US$1.11 (vs US$0.64 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$18.0m (up 24% from 3Q 2020). Net income: US$6.40m (up 69% from 3Q 2020). Profit margin: 36% (up from 26% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions • Sep 07Executive VP & CFO recently sold US$54k worth of stockOn the 2nd of September, Todd Capitani sold around 2k shares on-market at roughly US$35.50 per share. This was the largest sale by an insider in the last 3 months. This was Todd's only on-market trade for the last 12 months.Recent Insider Transactions • Sep 04Executive VP & CFO recently sold US$54k worth of stockOn the 2nd of September, Todd Capitani sold around 2k shares on-market at roughly US$35.50 per share. This was the largest sale by an insider in the last 3 months. This was Todd's only on-market trade for the last 12 months.Reported Earnings • Jul 24Second quarter 2021 earnings released: EPS US$1.10 (vs US$0.58 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$18.0m (up 29% from 2Q 2020). Net income: US$6.43m (up 86% from 2Q 2020). Profit margin: 36% (up from 25% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.Upcoming Dividend • Jul 03Upcoming dividend of US$0.15 per shareEligible shareholders must have bought the stock before 09 July 2021. Payment date: 23 July 2021. Trailing yield: 1.7%. Lower than top quartile of American dividend payers (3.5%). Lower than average of industry peers (2.3%).分析記事 • May 20It's Probably Less Likely That The Community Financial Corporation's (NASDAQ:TCFC) CEO Will See A Huge Pay Rise This YearAs many shareholders of The Community Financial Corporation ( NASDAQ:TCFC ) will be aware, they have not made a gain on...Reported Earnings • May 13First quarter 2021 earnings released: EPS US$1.07 (vs US$0.47 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$18.6m (up 50% from 1Q 2020). Net income: US$6.30m (up 129% from 1Q 2020). Profit margin: 34% (up from 22% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.分析記事 • May 07How Does The Community Financial Corporation (NASDAQ:TCFC) Stand Up To These Simple Dividend Safety Checks?Could The Community Financial Corporation ( NASDAQ:TCFC ) be an attractive dividend share to own for the long haul...Major Estimate Revision • May 01Consensus EPS estimates increase to US$3.79The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$69.7m to US$71.8m. EPS estimate increased from US$3.29 to US$3.79 per share. Net income forecast to grow 5.8% next year vs 7.0% growth forecast for Banks industry in the US. Consensus price target of US$41.00 unchanged from last update. Share price rose 6.5% to US$36.12 over the past week.Reported Earnings • Apr 26First quarter 2021 earnings released: EPS US$1.07 (vs US$0.47 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$18.6m (up 50% from 1Q 2020). Net income: US$6.30m (up 129% from 1Q 2020). Profit margin: 34% (up from 22% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Upcoming Dividend • Apr 02Upcoming dividend of US$0.15 per shareEligible shareholders must have bought the stock before 09 April 2021. Payment date: 26 April 2021. Trailing yield: 1.7%. Lower than top quartile of American dividend payers (3.5%). Lower than average of industry peers (2.3%).Reported Earnings • Mar 06Full year 2020 earnings released: EPS US$2.74 (vs US$2.75 in FY 2019)The company reported a solid full year result with improved earnings and revenues, although profit margins were flat. Full year 2020 results: Revenue: US$58.6m (up 2.6% from FY 2019). Net income: US$16.1m (up 5.7% from FY 2019). Profit margin: 28% (in line with FY 2019). Net interest margin (NIM): 3.36% (up from 3.31% in FY 2019). Cost-to-income ratio: 54.8% (down from 61.1% in FY 2019). Non-performing loans: 0.75% (down from 0.88% in FY 2019). Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Analyst Estimate Surprise Post Earnings • Mar 06Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) also surpassed analyst estimates by 15%. Over the next year, revenue is forecast to grow 17%, compared to a 18% growth forecast for the Banks industry in the US.分析記事 • Mar 01Mohammad Javaid Is The Independent Director of The Community Financial Corporation (NASDAQ:TCFC) And They Just Picked Up 119% More SharesPotential The Community Financial Corporation ( NASDAQ:TCFC ) shareholders may wish to note that the Independent...Recent Insider Transactions • Mar 01Independent Director recently bought US$150k worth of stockOn the 25th of February, Mohammad Javaid bought around 5k shares on-market at roughly US$30.06 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$165k more in shares than they have sold in the last 12 months.Is New 90 Day High Low • Feb 12New 90-day high: US$27.75The company is up 8.0% from its price of US$25.58 on 13 November 2020. The American market is up 14% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 24% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$50.51 per share.Major Estimate Revision • Feb 12Analysts increase EPS estimates to US$3.15The 2021 consensus revenue estimate increased from US$66.1m to US$68.8m. The earnings per share estimate also received an upgrade from US$2.29 to US$3.15 for the same period. Net income is expected to grow by 13% next year compared to 14% growth forecast for the Banks industry in the US. The consensus price target increased from US$28.50 to US$31.00. Share price is up 13% to US$27.75 over the past week.分析記事 • Feb 09If You Had Bought Community Financial (NASDAQ:TCFC) Shares Five Years Ago You'd Have Earned 34% ReturnsIf you buy and hold a stock for many years, you'd hope to be making a profit. Furthermore, you'd generally like to see...Reported Earnings • Feb 07Full year 2020 earnings released: EPS US$2.74 (vs US$2.75 in FY 2019)The company reported a solid full year result with improved earnings and revenues, although profit margins were flat. Full year 2020 results: Revenue: US$58.6m (up 2.6% from FY 2019). Net income: US$16.1m (up 5.7% from FY 2019). Profit margin: 28% (in line with FY 2019). Net interest margin (NIM): 3.36% (up from 3.31% in FY 2019). Cost-to-income ratio: 54.8% (down from 61.1% in FY 2019). Non-performing loans: 0.75% (down from 0.88% in FY 2019). Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings.Analyst Estimate Surprise Post Earnings • Feb 07Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) also surpassed analyst estimates by 15%. Over the next year, revenue is forecast to grow 13%, compared to a 17% growth forecast for the Banks industry in the US.分析記事 • Jan 04Be Sure To Check Out The Community Financial Corporation (NASDAQ:TCFC) Before It Goes Ex-DividendSome investors rely on dividends for growing their wealth, and if you're one of those dividend sleuths, you might be...お知らせ • Dec 25The Community Financial Corporation Announces Appointments to Its Board of Directors, Effective January 1, 2021The Community Financial Corporation announced that on December 17, 2020 the Board of Directors appointed Michael B. Adams, James M. Burke, Gregory C. Cockerham and James F. Di Misa to the company's Board of Directors, effective January 1, 2021. Michael B. Adams is the President of JON Properties, LLC. Prior to starting JON Properties, Mr. Adams worked at WEB Equipment Inc. Mr. Adams served as President of WEB Equipment Inc. from 1995 - 2006. Mr. Adams serves, or has served, on numerous boards of community organizations. James M. Burke joined the Bank in 2005. He serves as Executive Vice President of the Company and as President of the Bank. Before his appointment as President of the Bank in 2016, he served as Executive Vice President and Chief Risk Officer. Before joining the Bank, Mr. Burke was Executive Vice President and Senior Loan Officer at Mercantile Southern Maryland Bank. Gregory C. Cockerham joined the Bank in 1988. Before Mr. Cockerham's retirement as an employee of the Bank on December 31, 2019, he served as Executive Vice President and Chief Lending Officer. Before joining the Bank, he was a Vice President at Maryland National Bank. James F. Di Misa joined the Bank in 2005. Before Mr. Di Misa's retirement as a Bank employee on March 31, 2019, he served as Executive Vice President and Chief Operating Officer. Before joining the Bank, Mr. Di Misa served as Executive Vice President of Mercantile Southern Maryland Bank.Price Target Changed • Dec 18Price target raised to US$28.50Up from US$24.00, the current price target is an average from 2 analysts. The new target price is 6.5% above the current share price of US$26.75. As of last close, the stock is down 26% over the past year.分析記事 • Dec 18What Type Of Shareholders Own The Most Number of The Community Financial Corporation (NASDAQ:TCFC) Shares?A look at the shareholders of The Community Financial Corporation ( NASDAQ:TCFC ) can tell us which group is most...分析記事 • Nov 27Should You Take Comfort From Insider Transactions At The Community Financial Corporation (NASDAQ:TCFC)?It is not uncommon to see companies perform well in the years after insiders buy shares. The flip side of that is that...Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 19% share price gain to US$27.12, the stock is trading at a trailing P/E ratio of 11.2x, up from the previous P/E ratio of 9.4x. This compares to an average P/E of 11x in the Banks industry in the US. Total return to shareholders over the past three years is a loss of 21%.Is New 90 Day High Low • Nov 04New 90-day high: US$23.50The company is up 7.0% from its price of US$22.00 on 06 August 2020. The American market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 4.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$45.53 per share.Reported Earnings • Nov 04Third quarter 2020 earnings released: EPS US$0.64The company reported a solid third quarter result with improved earnings and revenues, although profit margins were flat. Third quarter 2020 results: Revenue: US$14.5m (up 1.5% from 3Q 2019). Net income: US$3.80m (up 2.9% from 3Q 2019). Profit margin: 26% (in line with 3Q 2019). Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.Analyst Estimate Surprise Post Earnings • Nov 04Revenue behind estimatesRevenue missed analyst estimates by 0.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Over the next year, revenue is forecast to grow 19%, compared to a 17% growth forecast for the Banks industry in the US.お知らせ • Oct 15The Community Financial Corporation announced that it has received $20 million in fundingThe Community Financial Corporation (NasdaqCM:TCFC) announced that it has entered into agreement with certain qualified institutional buyers and accredited investors for a private placement of 4.75% fixed-to-floating rate subordinated notes due 2030 for gross proceeds of $20,000,000 on October 14, 2020. The notes bear fixed annual rate of 4.75% and mature on October 15, 2030. The notes are issued at par, are subordinated, have a ten-year maturity term and, from and including the date of issuance to but excluding October 15, 2025, will bear interest at a fixed annual rate of 4.75%, payable semi-annually in arrears, and from and including October 15, 2025 to but excluding the maturity date or earlier redemption date, the interest rate shall reset quarterly to an interest rate per annum equal to the then-current three-month secured overnight financing rate (SOFR), plus 458 basis points, payable quarterly in arrears. In the event the three-month secured overnight financing rate (SOFR) is less than zero, the three-month secured overnight financing rate (SOFR) will be deemed to be zero. The notes are redeemable, in whole or in part, at the company’s option, on any scheduled interest payment date on or after October 15, 2025, and at any time upon the occurrence of certain events. The company has issued securities pursuant to exemption provided under Regulation D.Upcoming Dividend • Sep 28Upcoming Dividend of US$0.13 Per ShareWill be paid on the 20th of October to those who are registered shareholders by the 5th of October. The trailing yield of 2.4% is below the top quartile of American dividend payers (4.9%), and is lower than industry peers (3.9%).収支内訳Community Financial の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqCM:TCFC 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費31 Mar 23802934031 Dec 22772833030 Sep 22752732030 Jun 22732632031 Mar 22732632031 Dec 21742632030 Sep 21722531030 Jun 21692330031 Mar 21652029031 Dec 20591630030 Sep 20561431030 Jun 20561431031 Mar 20561431031 Dec 19571531030 Sep 19551530030 Jun 19551529031 Mar 19541429031 Dec 18541129030 Sep 1852728030 Jun 1850627031 Mar 1849626031 Dec 1746725030 Sep 17451025030 Jun 1744925031 Mar 1742825031 Dec 1641725030 Sep 1641725030 Jun 1639624031 Mar 1639624031 Dec 1539624030 Sep 1537623030 Jun 1538723031 Mar 1537623031 Dec 1437623030 Sep 1437622030 Jun 1436622031 Mar 1436621031 Dec 1335621030 Sep 1335621030 Jun 1334620031 Mar 1333520031 Dec 1232520030 Sep 12314190質の高い収益: TCFCは 高品質の収益 を持っています。利益率の向上: TCFCの現在の純利益率 (36.8%)は、昨年(35.6%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: TCFCの収益は過去 5 年間で年間26.1%増加しました。成長の加速: TCFCの過去 1 年間の収益成長率 ( 13.5% ) は、5 年間の平均 ( 年間26.1%を下回っています。収益対業界: TCFCの過去 1 年間の収益成長率 ( 13.5% ) はBanks業界23.2%を上回りました。株主資本利益率高いROE: TCFCの 自己資本利益率 ( 14.8% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2023/07/04 05:43終値2023/06/30 00:00収益2023/03/31年間収益2022/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋The Community Financial Corporation これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。2 アナリスト機関Christopher McGrattyKeefe, Bruyette, & WoodsCasey Orr WhitmanPiper Sandler Companies
Reported Earnings • Mar 08Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.6% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Feb 01Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Oct 25Third quarter 2022 earnings: Revenues exceed analyst expectationsThird quarter 2022 results: Revenue: US$19.6m (up 8.8% from 3Q 2021). Net income: US$7.58m (up 18% from 3Q 2021). Profit margin: 39% (up from 36% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 7.2%.
Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$1.21 (vs US$1.10 in 2Q 2021)Second quarter 2022 results: EPS: US$1.21 (up from US$1.10 in 2Q 2021). Revenue: US$18.5m (up 3.0% from 2Q 2021). Net income: US$6.83m (up 6.3% from 2Q 2021). Profit margin: 37% (up from 36% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Apr 29First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: US$1.11. Revenue: US$17.5m (down 5.8% from 1Q 2021). Net income: US$6.29m (flat on 1Q 2021). Profit margin: 36% (up from 34% in 1Q 2021). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 3.2%. Earnings per share (EPS) exceeded analyst estimates by 2.3%. Over the next year, revenue is forecast to grow 3.7%, compared to a 11% growth forecast for the industry in the US.
Reported Earnings • Mar 06Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: US$73.8m (up 26% from FY 2020). Net income: US$25.9m (up 60% from FY 2020). Profit margin: 35% (up from 28% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.34% (down from 3.36% in FY 2020). Cost-to-income ratio: 52.7% (down from 54.8% in FY 2020). Non-performing loans: 0.50% (down from 1.16% in FY 2020). Revenue exceeded analyst estimates by 2.0%. Over the next year, revenue is forecast to grow 1.6%, compared to a 6.0% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • May 14Independent Director recently bought US$74k worth of stockOn the 10th of May, Michael Adams bought around 3k shares on-market at roughly US$25.85 per share. This transaction amounted to 53% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
分析記事 • May 05Is Now The Time To Put Community Financial (NASDAQ:TCFC) On Your Watchlist?For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
Price Target Changed • Apr 08Price target decreased by 17% to US$37.00Down from US$44.50, the current price target is provided by 1 analyst. New target price is 13% above last closing price of US$32.67. Stock is down 17% over the past year. The company posted earnings per share of US$5.01 last year.
Upcoming Dividend • Apr 04Upcoming dividend of US$0.17 per share at 2.1% yieldEligible shareholders must have bought the stock before 11 April 2023. Payment date: 24 April 2023. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.7%).
分析記事 • Mar 10Community Financial (NASDAQ:TCFC) Will Pay A Dividend Of $0.175The Community Financial Corporation ( NASDAQ:TCFC ) will pay a dividend of $0.175 on the 24th of April. This payment...
Reported Earnings • Mar 08Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.6% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Feb 01Full year 2022 earnings: EPS in line with analyst expectations despite revenue beatFull year 2022 results: EPS: US$5.01 (up from US$4.47 in FY 2021). Revenue: US$77.3m (up 4.9% from FY 2021). Net income: US$28.3m (up 9.4% from FY 2021). Profit margin: 37% (up from 35% in FY 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.6%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Jan 02Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 09 January 2023. Payment date: 24 January 2023. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (4.5%). Lower than average of industry peers (3.2%).
Price Target Changed • Dec 09Price target increased to US$49.00Up from US$44.50, the current price target is an average from 2 analysts. New target price is 23% above last closing price of US$39.80. Stock is up 6.8% over the past year. The company is forecast to post earnings per share of US$5.02 for next year compared to US$4.47 last year.
Board Change • Nov 16High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. President, CEO, & Vice Chairman Jimmy Burke was the last director to join the board, commencing their role in 2021. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 25Third quarter 2022 earnings: Revenues exceed analyst expectationsThird quarter 2022 results: Revenue: US$19.6m (up 8.8% from 3Q 2021). Net income: US$7.58m (up 18% from 3Q 2021). Profit margin: 39% (up from 36% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 7.2%.
Upcoming Dividend • Oct 01Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 07 October 2022. Payment date: 21 October 2022. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 2.0%. Lower than top quartile of American dividend payers (4.7%). Lower than average of industry peers (3.4%).
Seeking Alpha • Sep 28The Community Financial declares $0.175 dividendThe Community Financial (NASDAQ:TCFC) declares $0.175/share quarterly dividend, in line with previous. Forward yield 2.09% Payable Oct. 21; for shareholders of record Oct. 11; ex-div Oct. 10. See TCFC Dividend Scorecard, Yield Chart, & Dividend Growth.
Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$1.21 (vs US$1.10 in 2Q 2021)Second quarter 2022 results: EPS: US$1.21 (up from US$1.10 in 2Q 2021). Revenue: US$18.5m (up 3.0% from 2Q 2021). Net income: US$6.83m (up 6.3% from 2Q 2021). Profit margin: 37% (up from 36% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Seeking Alpha • Jul 25The Community Financial GAAP EPS of $1.21 beats by $0.15, revenue of $18.99MThe Community Financial press release (NASDAQ:TCFC): Q2 GAAP EPS of $1.21 beats by $0.15. Revenue of $18.99M (+3.8% Y/Y).
Upcoming Dividend • Jul 04Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 11 July 2022. Payment date: 26 July 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 1.9%. Lower than top quartile of American dividend payers (4.2%). Lower than average of industry peers (3.2%).
Reported Earnings • Apr 29First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: US$1.11. Revenue: US$17.5m (down 5.8% from 1Q 2021). Net income: US$6.29m (flat on 1Q 2021). Profit margin: 36% (up from 34% in 1Q 2021). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 3.2%. Earnings per share (EPS) exceeded analyst estimates by 2.3%. Over the next year, revenue is forecast to grow 3.7%, compared to a 11% growth forecast for the industry in the US.
Upcoming Dividend • Apr 04Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 11 April 2022. Payment date: 25 April 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (3.7%). Lower than average of industry peers (2.6%).
Seeking Alpha • Mar 31The Community Financial: Modest Loan Growth To Keep Earnings Above The Pre-Pandemic LevelThe loan growth will likely improve this year due to economic factors and limited Paycheck Protection Program forgiveness. An increase in interest rates can initially hurt the net interest margin because liability repricing will outweigh asset repricing. The December 2022 target price suggests a decent upside from the current market price. Further, TCFC is offering a small dividend yield.
Reported Earnings • Mar 06Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: US$73.8m (up 26% from FY 2020). Net income: US$25.9m (up 60% from FY 2020). Profit margin: 35% (up from 28% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.34% (down from 3.36% in FY 2020). Cost-to-income ratio: 52.7% (down from 54.8% in FY 2020). Non-performing loans: 0.50% (down from 1.16% in FY 2020). Revenue exceeded analyst estimates by 2.0%. Over the next year, revenue is forecast to grow 1.6%, compared to a 6.0% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.
Price Target Changed • Feb 02Price target increased to US$45.50Up from US$42.00, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$39.90. Stock is up 63% over the past year. The company is forecast to post earnings per share of US$4.22 for next year compared to US$4.47 last year.
Reported Earnings • Jan 29Full year 2021 earnings: EPS and revenues exceed analyst expectationsFull year 2021 results: EPS: US$4.53 (up from US$2.74 in FY 2020). Revenue: US$73.8m (up 26% from FY 2020). Net income: US$25.9m (up 60% from FY 2020). Profit margin: 35% (up from 28% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates by 1.6%. Over the next year, revenue is expected to shrink by 2.7% compared to a 4.1% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Dec 31Upcoming dividend of US$0.17 per shareEligible shareholders must have bought the stock before 07 January 2022. Payment date: 24 January 2022. Payout ratio is a comfortable 13% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (3.5%). Lower than average of industry peers (2.3%).
分析記事 • Dec 04Community Financial's (NASDAQ:TCFC) Shareholders Will Receive A Bigger Dividend Than Last YearThe board of The Community Financial Corporation ( NASDAQ:TCFC ) has announced that it will be increasing its dividend...
Price Target Changed • Oct 29Price target increased to US$44.50Up from US$41.00, the current price target is an average from 2 analysts. New target price is 17% above last closing price of US$37.95. Stock is up 74% over the past year. The company is forecast to post earnings per share of US$4.35 for next year compared to US$2.74 last year.
Reported Earnings • Oct 27Third quarter 2021 earnings released: EPS US$1.11 (vs US$0.64 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$18.0m (up 24% from 3Q 2020). Net income: US$6.40m (up 69% from 3Q 2020). Profit margin: 36% (up from 26% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • Sep 07Executive VP & CFO recently sold US$54k worth of stockOn the 2nd of September, Todd Capitani sold around 2k shares on-market at roughly US$35.50 per share. This was the largest sale by an insider in the last 3 months. This was Todd's only on-market trade for the last 12 months.
Recent Insider Transactions • Sep 04Executive VP & CFO recently sold US$54k worth of stockOn the 2nd of September, Todd Capitani sold around 2k shares on-market at roughly US$35.50 per share. This was the largest sale by an insider in the last 3 months. This was Todd's only on-market trade for the last 12 months.
Reported Earnings • Jul 24Second quarter 2021 earnings released: EPS US$1.10 (vs US$0.58 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$18.0m (up 29% from 2Q 2020). Net income: US$6.43m (up 86% from 2Q 2020). Profit margin: 36% (up from 25% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
Upcoming Dividend • Jul 03Upcoming dividend of US$0.15 per shareEligible shareholders must have bought the stock before 09 July 2021. Payment date: 23 July 2021. Trailing yield: 1.7%. Lower than top quartile of American dividend payers (3.5%). Lower than average of industry peers (2.3%).
分析記事 • May 20It's Probably Less Likely That The Community Financial Corporation's (NASDAQ:TCFC) CEO Will See A Huge Pay Rise This YearAs many shareholders of The Community Financial Corporation ( NASDAQ:TCFC ) will be aware, they have not made a gain on...
Reported Earnings • May 13First quarter 2021 earnings released: EPS US$1.07 (vs US$0.47 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$18.6m (up 50% from 1Q 2020). Net income: US$6.30m (up 129% from 1Q 2020). Profit margin: 34% (up from 22% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
分析記事 • May 07How Does The Community Financial Corporation (NASDAQ:TCFC) Stand Up To These Simple Dividend Safety Checks?Could The Community Financial Corporation ( NASDAQ:TCFC ) be an attractive dividend share to own for the long haul...
Major Estimate Revision • May 01Consensus EPS estimates increase to US$3.79The consensus outlook for earnings per share (EPS) in 2021 has improved. 2021 revenue forecast increased from US$69.7m to US$71.8m. EPS estimate increased from US$3.29 to US$3.79 per share. Net income forecast to grow 5.8% next year vs 7.0% growth forecast for Banks industry in the US. Consensus price target of US$41.00 unchanged from last update. Share price rose 6.5% to US$36.12 over the past week.
Reported Earnings • Apr 26First quarter 2021 earnings released: EPS US$1.07 (vs US$0.47 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$18.6m (up 50% from 1Q 2020). Net income: US$6.30m (up 129% from 1Q 2020). Profit margin: 34% (up from 22% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Apr 02Upcoming dividend of US$0.15 per shareEligible shareholders must have bought the stock before 09 April 2021. Payment date: 26 April 2021. Trailing yield: 1.7%. Lower than top quartile of American dividend payers (3.5%). Lower than average of industry peers (2.3%).
Reported Earnings • Mar 06Full year 2020 earnings released: EPS US$2.74 (vs US$2.75 in FY 2019)The company reported a solid full year result with improved earnings and revenues, although profit margins were flat. Full year 2020 results: Revenue: US$58.6m (up 2.6% from FY 2019). Net income: US$16.1m (up 5.7% from FY 2019). Profit margin: 28% (in line with FY 2019). Net interest margin (NIM): 3.36% (up from 3.31% in FY 2019). Cost-to-income ratio: 54.8% (down from 61.1% in FY 2019). Non-performing loans: 0.75% (down from 0.88% in FY 2019). Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Analyst Estimate Surprise Post Earnings • Mar 06Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) also surpassed analyst estimates by 15%. Over the next year, revenue is forecast to grow 17%, compared to a 18% growth forecast for the Banks industry in the US.
分析記事 • Mar 01Mohammad Javaid Is The Independent Director of The Community Financial Corporation (NASDAQ:TCFC) And They Just Picked Up 119% More SharesPotential The Community Financial Corporation ( NASDAQ:TCFC ) shareholders may wish to note that the Independent...
Recent Insider Transactions • Mar 01Independent Director recently bought US$150k worth of stockOn the 25th of February, Mohammad Javaid bought around 5k shares on-market at roughly US$30.06 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$165k more in shares than they have sold in the last 12 months.
Is New 90 Day High Low • Feb 12New 90-day high: US$27.75The company is up 8.0% from its price of US$25.58 on 13 November 2020. The American market is up 14% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 24% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$50.51 per share.
Major Estimate Revision • Feb 12Analysts increase EPS estimates to US$3.15The 2021 consensus revenue estimate increased from US$66.1m to US$68.8m. The earnings per share estimate also received an upgrade from US$2.29 to US$3.15 for the same period. Net income is expected to grow by 13% next year compared to 14% growth forecast for the Banks industry in the US. The consensus price target increased from US$28.50 to US$31.00. Share price is up 13% to US$27.75 over the past week.
分析記事 • Feb 09If You Had Bought Community Financial (NASDAQ:TCFC) Shares Five Years Ago You'd Have Earned 34% ReturnsIf you buy and hold a stock for many years, you'd hope to be making a profit. Furthermore, you'd generally like to see...
Reported Earnings • Feb 07Full year 2020 earnings released: EPS US$2.74 (vs US$2.75 in FY 2019)The company reported a solid full year result with improved earnings and revenues, although profit margins were flat. Full year 2020 results: Revenue: US$58.6m (up 2.6% from FY 2019). Net income: US$16.1m (up 5.7% from FY 2019). Profit margin: 28% (in line with FY 2019). Net interest margin (NIM): 3.36% (up from 3.31% in FY 2019). Cost-to-income ratio: 54.8% (down from 61.1% in FY 2019). Non-performing loans: 0.75% (down from 0.88% in FY 2019). Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings.
Analyst Estimate Surprise Post Earnings • Feb 07Revenue and earnings beat expectationsRevenue exceeded analyst estimates by 3.2%. Earnings per share (EPS) also surpassed analyst estimates by 15%. Over the next year, revenue is forecast to grow 13%, compared to a 17% growth forecast for the Banks industry in the US.
分析記事 • Jan 04Be Sure To Check Out The Community Financial Corporation (NASDAQ:TCFC) Before It Goes Ex-DividendSome investors rely on dividends for growing their wealth, and if you're one of those dividend sleuths, you might be...
お知らせ • Dec 25The Community Financial Corporation Announces Appointments to Its Board of Directors, Effective January 1, 2021The Community Financial Corporation announced that on December 17, 2020 the Board of Directors appointed Michael B. Adams, James M. Burke, Gregory C. Cockerham and James F. Di Misa to the company's Board of Directors, effective January 1, 2021. Michael B. Adams is the President of JON Properties, LLC. Prior to starting JON Properties, Mr. Adams worked at WEB Equipment Inc. Mr. Adams served as President of WEB Equipment Inc. from 1995 - 2006. Mr. Adams serves, or has served, on numerous boards of community organizations. James M. Burke joined the Bank in 2005. He serves as Executive Vice President of the Company and as President of the Bank. Before his appointment as President of the Bank in 2016, he served as Executive Vice President and Chief Risk Officer. Before joining the Bank, Mr. Burke was Executive Vice President and Senior Loan Officer at Mercantile Southern Maryland Bank. Gregory C. Cockerham joined the Bank in 1988. Before Mr. Cockerham's retirement as an employee of the Bank on December 31, 2019, he served as Executive Vice President and Chief Lending Officer. Before joining the Bank, he was a Vice President at Maryland National Bank. James F. Di Misa joined the Bank in 2005. Before Mr. Di Misa's retirement as a Bank employee on March 31, 2019, he served as Executive Vice President and Chief Operating Officer. Before joining the Bank, Mr. Di Misa served as Executive Vice President of Mercantile Southern Maryland Bank.
Price Target Changed • Dec 18Price target raised to US$28.50Up from US$24.00, the current price target is an average from 2 analysts. The new target price is 6.5% above the current share price of US$26.75. As of last close, the stock is down 26% over the past year.
分析記事 • Dec 18What Type Of Shareholders Own The Most Number of The Community Financial Corporation (NASDAQ:TCFC) Shares?A look at the shareholders of The Community Financial Corporation ( NASDAQ:TCFC ) can tell us which group is most...
分析記事 • Nov 27Should You Take Comfort From Insider Transactions At The Community Financial Corporation (NASDAQ:TCFC)?It is not uncommon to see companies perform well in the years after insiders buy shares. The flip side of that is that...
Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 19% share price gain to US$27.12, the stock is trading at a trailing P/E ratio of 11.2x, up from the previous P/E ratio of 9.4x. This compares to an average P/E of 11x in the Banks industry in the US. Total return to shareholders over the past three years is a loss of 21%.
Is New 90 Day High Low • Nov 04New 90-day high: US$23.50The company is up 7.0% from its price of US$22.00 on 06 August 2020. The American market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 4.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is US$45.53 per share.
Reported Earnings • Nov 04Third quarter 2020 earnings released: EPS US$0.64The company reported a solid third quarter result with improved earnings and revenues, although profit margins were flat. Third quarter 2020 results: Revenue: US$14.5m (up 1.5% from 3Q 2019). Net income: US$3.80m (up 2.9% from 3Q 2019). Profit margin: 26% (in line with 3Q 2019). Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.
Analyst Estimate Surprise Post Earnings • Nov 04Revenue behind estimatesRevenue missed analyst estimates by 0.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Over the next year, revenue is forecast to grow 19%, compared to a 17% growth forecast for the Banks industry in the US.
お知らせ • Oct 15The Community Financial Corporation announced that it has received $20 million in fundingThe Community Financial Corporation (NasdaqCM:TCFC) announced that it has entered into agreement with certain qualified institutional buyers and accredited investors for a private placement of 4.75% fixed-to-floating rate subordinated notes due 2030 for gross proceeds of $20,000,000 on October 14, 2020. The notes bear fixed annual rate of 4.75% and mature on October 15, 2030. The notes are issued at par, are subordinated, have a ten-year maturity term and, from and including the date of issuance to but excluding October 15, 2025, will bear interest at a fixed annual rate of 4.75%, payable semi-annually in arrears, and from and including October 15, 2025 to but excluding the maturity date or earlier redemption date, the interest rate shall reset quarterly to an interest rate per annum equal to the then-current three-month secured overnight financing rate (SOFR), plus 458 basis points, payable quarterly in arrears. In the event the three-month secured overnight financing rate (SOFR) is less than zero, the three-month secured overnight financing rate (SOFR) will be deemed to be zero. The notes are redeemable, in whole or in part, at the company’s option, on any scheduled interest payment date on or after October 15, 2025, and at any time upon the occurrence of certain events. The company has issued securities pursuant to exemption provided under Regulation D.
Upcoming Dividend • Sep 28Upcoming Dividend of US$0.13 Per ShareWill be paid on the 20th of October to those who are registered shareholders by the 5th of October. The trailing yield of 2.4% is below the top quartile of American dividend payers (4.9%), and is lower than industry peers (3.9%).