Community Financial
Market Cap
US$176.7m
Last Updated
2019/08/21 23:49 UTC
Data Sources
Company Financials +
Executive Summary
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.
Snowflake
Fundamentals
Flawless balance sheet established dividend payer.
Similar Companies
Share Price & News
How has Community Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-0.2%
NasdaqCM:TCFC
-1.8%
US Banks
0.2%
US Market
1 Year Return
-5.9%
NasdaqCM:TCFC
-15.3%
US Banks
-0.7%
US Market
TCFC outperformed the Banks industry which returned -15.3% over the past year.
TCFC underperformed the Market in United States of America which returned -0.7% over the past year.
Share holder returns
| TCFC | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.2% | -1.8% | 0.2% |
| 30 Day | -2.0% | -6.4% | -2.7% |
| 90 Day | 2.0% | -4.0% | 1.6% |
| 1 Year | -4.4%-5.9% | -12.9%-15.3% | 1.6%-0.7% |
| 3 Year | 47.0%41.3% | 41.3%31.7% | 40.0%30.9% |
| 5 Year | 59.5%47.7% | 50.8%34.5% | 53.8%36.8% |
Price Volatility Vs. Market
How volatile is Community Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
Community Financial (NASDAQ:TCFC) Shareholders Have Enjoyed A 47% Share Price Gain1 month ago | Simply Wall St
Have Insiders Been Selling The Community Financial Corporation (NASDAQ:TCFC) Shares?1 month ago | Simply Wall St
The Community Financial Corporation (NASDAQ:TCFC) Is An Attractive Dividend Stock - Here's WhyValuation
Is Community Financial undervalued based on future cash flows and its price relative to the stock market?
11.59x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Community Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
Community Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
Community Financial is good value based on earnings compared to the US Banks industry average.
Community Financial is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Community Financial is poor value based on expected growth next year.
Price Based on Value of Assets
Community Financial is good value based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is Community Financial expected to perform in the next 1 to 3 years based on estimates from 3 analysts?
7.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Community Financial's revenue is expected to grow by 7.3% yearly, however this is not considered high growth (20% yearly).
Community Financial's earnings are expected to grow by 7.7% yearly, however this is not considered high growth (20% yearly).
Community Financial's revenue growth is positive but not above the United States of America market average.
Community Financial's earnings growth is positive but not above the United States of America market average.
Community Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Community Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
Next Steps
Past Performance
How has Community Financial performed over the past 5 years?
14.2%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Community Financial's year on year earnings growth rate has been positive over the past 5 years.
Community Financial's 1-year earnings growth exceeds its 5-year average (158.1% vs 14.2%)
Community Financial's earnings growth has exceeded the US Banks industry average in the past year (158.1% vs 33.2%).
Return on Equity
Community Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Community Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Community Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is Community Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
Community Financial has an acceptable proportion of non-loan assets held.
Community Financial has a sufficient allowance for bad loans.
Community Financial's liabilities are made up of primarily low risk sources of funding.
Community Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Loans at Community Financial are broadly funded by customer deposits.
Community Financial has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is Community Financial's current dividend yield, its reliability and sustainability?
1.65%
Expected Dividend Yield
Dividend Yield and Payments Analysis
Community Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
Community Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).
Dividends per share have been stable in the past 10 years.
Dividends per share have increased over the past 10 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (5.8x coverage).
Future Payout to Shareholders
Dividends after 3 years are expected to be well covered by earnings (5.7x coverage).
Next Steps
Management
What is the CEO of Community Financial's salary, the management and board of directors tenure and is there insider trading?
4.3yrs
Average management tenure
CEO
Bill Pasenelli (60yo)
5.1yrs
Tenure
US$2,690,001
Compensation
Mr. William J. Pasenelli, as known as Bill, has been the Chief Executive Officer of The Community Financial Corporation and its subsidiary Community Bank of the Chesapeake since June 2014. Mr. Pasenelli se ...
CEO Compensation Analysis
Bill's remuneration is higher than average for companies of similar size in United States of America.
Bill's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
4.3yrs
Average Tenure
52yo
Average Age
The tenure for the Community Financial management team is about average.
Board Age and Tenure
6.6yrs
Average Tenure
63yo
Average Age
The tenure for the Community Financial board of directors is about average.
Insider Trading
Community Financial individual insiders have only sold shares in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Senior Key Executive |
| Shares | 4,000 |
| Max Price | US$31.05 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 100 |
| Max Price | US$30.39 |
| Entity | Individual |
| Role | Chairman of the Board Chairman of the Board |
| Shares | 5,000 |
| Max Price | US$30.11 |
| Entity | Individual |
| Role | Chairman of the Board Chairman of the Board |
| Shares | 5,100 |
| Max Price | US$30.21 |
| Entity | Individual |
| Role | Chairman of the Board Chairman of the Board |
| Shares | 3,800 |
| Max Price | US$30.15 |
| Entity | Individual |
| Role | Chairman of the Board Chairman of the Board |
| Shares | 1,100 |
| Max Price | US$30.00 |
| Entity | Individual |
| Role | Chairman of the Board Chairman of the Board |
| Shares | 11,002 |
| Max Price | US$30.24 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 430 |
| Max Price | US$30.27 |
| Entity | Individual |
| Role | Chairman of the Board Chairman of the Board |
| Shares | 250 |
| Max Price | US$33.64 |
Ownership Breakdown
Management Team
Jim Burke (51yo)
Executive VP & Chief Risk Officer
- Tenure: 3.6yrs
- Compensation: US$488.56k
Bill Pasenelli (60yo)
Vice Chairman
- Tenure: 5.1yrs
- Compensation: US$2.69m
Jim Di Misa (60yo)
- Tenure: 0.0yrs
- Compensation: US$563.63k
Todd Capitani (52yo)
Executive VP & CFO
- Tenure: 5.1yrs
- Compensation: US$479.76k
Christy Lombardi (42yo)
Executive VP
- Tenure: 0.4yrs
Marlene Smith
Executive Assistant
- Tenure: 0.0yrs
Board Members
Mike Middleton (71yo)
Chairman of the Board
- Tenure: 5.2yrs
- Compensation: US$52.32k
Joe Slater (65yo)
Director
- Tenure: 16.6yrs
- Compensation: US$50.13k
Bill Pasenelli (60yo)
Vice Chairman
- Tenure: 5.1yrs
- Compensation: US$2.69m
Louis Jenkins (47yo)
Director
- Tenure: 19.6yrs
- Compensation: US$49.73k
Joe Stone (64yo)
Lead Director
- Tenure: 13.6yrs
- Compensation: US$56.76k
Mary Peterson (64yo)
Director
- Tenure: 9.0yrs
- Compensation: US$47.90k
Larry Sanders (62yo)
Director
- Tenure: 1.6yrs
- Compensation: US$42.23k
Kate Zabriskie (47yo)
Director
- Tenure: 2.5yrs
- Compensation: US$44.73k
Mohammad Javaid (63yo)
Director
- Tenure: 6.6yrs
- Compensation: US$36.00k
John Parlett (63yo)
Director
- Tenure: 2.5yrs
- Compensation: US$43.50k
Company Information
The Community Financial Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: The Community Financial Corporation
- Ticker: TCFC
- Exchange: NasdaqCM
- Founded: 1950
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$176.718m
- Shares outstanding: 5.58m
- Website: https://www.cbtc.com
Number of Employees
Location
- The Community Financial Corporation
- 3035 Leonardtown Road
- Waldorf
- Maryland
- 20601
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| TCFC | NasdaqCM (Nasdaq Capital Market) | Yes | Common Stock | US | USD | Jan 2002 |
Biography
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 ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/21 23:49 |
| End of Day Share Price | 2019/08/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.