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Updated 3y ago
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The Community Financial CorporationNasdaqCM:TCFC Stock Report

Market Cap US$153.6m
Updated 3y ago
Share Price
n/a
1Y-25.3%
7D-2.7%
1D-1.6%
Portfolio Value
​
View

The Community Financial Corporation

NasdaqCM:TCFC Stock Report

Market Cap: US$153.6m

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

This company has been acquired

The company may no longer be operating, as it has been acquired. Find out why through their latest events.

Community Financial (TCFC) Stock Overview

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. More details

TCFC fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 65% below our estimate of its fair value

Earnings grew by 13.5% over the past year

Pays a reliable dividend of 2.58%

Risk Analysis

No risks detected for TCFC from our risk checks.

TCFC Community Fair Values

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US$
Current Price
US$27.0912.6% undervalued intrinsic discount
%/yr
Decrease
Increase
PastFuture0129m2016201920222025202620282031Revenue US$128.7mEarnings US$47.4m
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The Community Financial Corporation Competitors

Lyons Bancorp

Symbol: OTCPK:LYBC
Market cap: US$201.8m

Isabella Bank

Symbol: NasdaqCM:ISBA
Market cap: US$300.3m

Heartland BancCorp

Symbol: OTCPK:HLAN
Market cap: US$326.0m

Evans Bancorp

Symbol: NYSEAM:EVBN
Market cap: US$216.9m

Price History & Performance

Summary of share price highs, lows and changes for Community Financial
Historical stock prices
Current Share PriceUS$27.09
52 Week HighUS$41.43
52 Week LowUS$24.25
Beta0.75
1 Month Change-1.38%
3 Month Change-17.66%
1 Year Change-25.27%
3 Year Change15.37%
5 Year Change-24.22%
Change since IPO273.18%

Recent News & Updates

Analysis Article • May 05

Is 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...
Analysis Article • Mar 10

Community Financial (NASDAQ:TCFC) Will Pay A Dividend Of $0.175

The Community Financial Corporation ( NASDAQ:TCFC ) will pay a dividend of $0.175 on the 24th of April. This payment...

Recent updates

Analysis Article • May 05

Is 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...
Analysis Article • Mar 10

Community Financial (NASDAQ:TCFC) Will Pay A Dividend Of $0.175

The Community Financial Corporation ( NASDAQ:TCFC ) will pay a dividend of $0.175 on the 24th of April. This payment...
Seeking Alpha • Sep 28

The Community Financial declares $0.175 dividend

The 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.
Seeking Alpha • Jul 25

The Community Financial GAAP EPS of $1.21 beats by $0.15, revenue of $18.99M

The Community Financial press release (NASDAQ:TCFC): Q2 GAAP EPS of $1.21 beats by $0.15. Revenue of $18.99M (+3.8% Y/Y).
Seeking Alpha • Mar 31

The Community Financial: Modest Loan Growth To Keep Earnings Above The Pre-Pandemic Level

The 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.
Analysis Article • Dec 04

Community Financial's (NASDAQ:TCFC) Shareholders Will Receive A Bigger Dividend Than Last Year

The board of The Community Financial Corporation ( NASDAQ:TCFC ) has announced that it will be increasing its dividend...
Analysis Article • May 20

It's Probably Less Likely That The Community Financial Corporation's (NASDAQ:TCFC) CEO Will See A Huge Pay Rise This Year

As many shareholders of The Community Financial Corporation ( NASDAQ:TCFC ) will be aware, they have not made a gain on...
Analysis Article • May 07

How 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...
Analysis Article • Mar 01

Mohammad Javaid Is The Independent Director of The Community Financial Corporation (NASDAQ:TCFC) And They Just Picked Up 119% More Shares

Potential The Community Financial Corporation ( NASDAQ:TCFC ) shareholders may wish to note that the Independent...
Analysis Article • Feb 09

If You Had Bought Community Financial (NASDAQ:TCFC) Shares Five Years Ago You'd Have Earned 34% Returns

If you buy and hold a stock for many years, you'd hope to be making a profit. Furthermore, you'd generally like to see...
Analysis Article • Jan 04

Be Sure To Check Out The Community Financial Corporation (NASDAQ:TCFC) Before It Goes Ex-Dividend

Some investors rely on dividends for growing their wealth, and if you're one of those dividend sleuths, you might be...
Analysis Article • Dec 18

What 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...
Analysis Article • Nov 27

Should 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...

Shareholder Returns

TCFCUS BanksUS Market
7D-2.7%-2.3%-1.5%
1Y-25.3%16.0%13.3%

Return vs Industry: TCFC underperformed the US Banks industry which returned -2.8% over the past year.

Return vs Market: TCFC underperformed the US Market which returned 14.2% over the past year.

Price Volatility

Is TCFC's price volatile compared to industry and market?
TCFC volatility
TCFC Average Weekly Movement5.2%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

Stable Share Price: TCFC has not had significant price volatility in the past 3 months.

Volatility Over Time: TCFC's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1950199Jimmy Burkewww.cbtc.com

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. The company offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit; and commercial real estate and other non-residential real estate, residential first mortgage, residential rental mortgage, construction and land development, home equity and second mortgage, and commercial equipment loans, as well as commercial loan products, including term loans, demand loans, and lines of credit; consumer loans, such as loans for automobiles, boats, recreational vehicles, and trucks, home improvement loans, secured and unsecured personal lines of credit, and credit card loans. It also provides 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.

The Community Financial Corporation Fundamentals Summary

How do Community Financial's earnings and revenue compare to its market cap?
TCFC fundamental statistics
Market capUS$153.58m
Earnings (TTM)US$29.36m
Revenue (TTM)US$79.70m
5.2x
P/E Ratio
0.8x
P/B Ratio

Is TCFC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TCFC income statement (TTM)
RevenueUS$79.70m
Cost of RevenueUS$0
Gross ProfitUS$79.70m
Other ExpensesUS$50.34m
EarningsUS$29.36m

Last Reported Earnings

Mar 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)5.18
Gross Margin100.00%
Net Profit Margin36.83%
Debt/Equity Ratio26.7%

How did TCFC perform over the long term?

See historical performance and comparison

Dividends

2.6%
Current Dividend Yield
13%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2023/07/04 18:37
End of Day Share Price 2023/06/30 00:00
Earnings2023/03/31
Annual Earnings2022/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

The Community Financial Corporation is covered by 2 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Christopher McGrattyKeefe, Bruyette, & Woods
Casey Orr WhitmanPiper Sandler Companies

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