Community Financial
Market Cap
US$203.6m
Last Updated
2021/04/16 23:48 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. More Details
Rewards
Risk Analysis
No risks detected for TCFC from our risk checks.
Snowflake Analysis
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
Stable Share Price: TCFC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: TCFC's weekly volatility (5%) has been stable over the past year.
Market Performance
7 Day Return
-2.9%
TCFC
0.03%
US Banks
1.3%
US Market
1 Year Return
84.0%
TCFC
70.3%
US Banks
53.9%
US Market
Return vs Industry: TCFC exceeded the US Banks industry which returned 83% over the past year.
Return vs Market: TCFC exceeded the US Market which returned 57.5% over the past year.
Shareholder returns
| TCFC | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.9% | 0.03% | 1.3% |
| 30 Day | 3.5% | 0.7% | 3.3% |
| 90 Day | 27.5% | 16.6% | 8.9% |
| 1 Year | 87.8%84.0% | 76.0%70.3% | 56.6%53.9% |
| 3 Year | 1.1%-4.0% | 26.0%15.1% | 64.4%53.6% |
| 5 Year | 80.9%67.4% | 97.2%72.0% | 120.4%95.7% |
Long-Term 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
1 week ago | Simply Wall St
Why You Might Be Interested In The Community Financial Corporation (NASDAQ:TCFC) For Its Upcoming Dividend2 weeks ago | Simply Wall St
What Is The Ownership Structure Like For The Community Financial Corporation (NASDAQ:TCFC)?Valuation
Is Community Financial undervalued compared to its fair value and its price relative to the market?
29.4%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: TCFC ($34.8) is trading below our estimate of fair value ($50.97)
Significantly Below Fair Value: TCFC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: TCFC is good value based on its PE Ratio (12.7x) compared to the US Banks industry average (13.3x).
PE vs Market: TCFC is good value based on its PE Ratio (12.7x) compared to the US market (22.3x).
Price to Earnings Growth Ratio
PEG Ratio: TCFC is poor value based on its PEG Ratio (4x)
Price to Book Ratio
PB vs Industry: TCFC's PB Ratio (1x) is in line with the US Banks industry average.
Future Growth
How is Community Financial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
3.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TCFC's forecast earnings growth (3.2% per year) is above the savings rate (2%).
Earnings vs Market: TCFC's earnings (3.2% per year) are forecast to grow slower than the US market (18.4% per year).
High Growth Earnings: TCFC's earnings are forecast to grow, but not significantly.
Revenue vs Market: TCFC's revenue (6.7% per year) is forecast to grow slower than the US market (9.4% per year).
High Growth Revenue: TCFC's revenue (6.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: TCFC's Return on Equity is forecast to be low in 3 years time (8.2%).
Past Performance
How has Community Financial performed over the past 5 years?
21.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TCFC has high quality earnings.
Growing Profit Margin: TCFC's current net profit margins (27.5%) are higher than last year (26.7%).
Past Earnings Growth Analysis
Earnings Trend: TCFC's earnings have grown significantly by 21% per year over the past 5 years.
Accelerating Growth: TCFC's earnings growth over the past year (5.7%) is below its 5-year average (21% per year).
Earnings vs Industry: TCFC earnings growth over the past year (5.7%) exceeded the Banks industry 1.5%.
Return on Equity
High ROE: TCFC's Return on Equity (8.1%) is considered low.
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
Financial Institutions Analysis
Asset Level: TCFC's Assets to Equity ratio (10.2x) is moderate.
Allowance for Bad Loans: TCFC has a sufficient allowance for bad loans (162%).
Low Risk Liabilities: 95% of TCFC's liabilities are made up of primarily low risk sources of funding.
Loan Level: TCFC has an appropriate level of Loans to Assets ratio (79%).
Low Risk Deposits: TCFC's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: TCFC has an appropriate level of bad loans (0.7%).
Dividend
What is Community Financial current dividend yield, its reliability and sustainability?
1.74%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: TCFC's dividend (1.72%) is higher than the bottom 25% of dividend payers in the US market (1.24%).
High Dividend: TCFC's dividend (1.72%) is low compared to the top 25% of dividend payers in the US market (3.48%).
Stability and Growth of Payments
Stable Dividend: TCFC's dividends per share have been stable in the past 10 years.
Growing Dividend: TCFC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (18.3%), TCFC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: TCFC's dividends in 3 years are forecast to be well covered by earnings (21.1% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.4yrs
Average management tenure
CEO
Bill Pasenelli (61 yo)
6.75yrs
Tenure
US$1,006,194
Compensation
Mr. William J. Pasenelli, also known as Bill, has been the Chief Executive Officer of The Community Financial Corporation and its subsidiary Community Bank of the Chesapeake since July 1, 2014. He is respo...
CEO Compensation Analysis
Compensation vs Market: Bill's total compensation ($USD1.01M) is about average for companies of similar size in the US market ($USD997.88K).
Compensation vs Earnings: Bill's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: TCFC's management team is considered experienced (4.4 years average tenure).
Board Members
Experienced Board: TCFC's board of directors are considered experienced (3.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: TCFC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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$203.637m
- Shares outstanding: 5.90m
- Website: https://www.cbtc.com
Number of Employees
Location
- The Community Financial Corporation
- 3035 Leonardtown Road
- Waldorf
- Maryland
- 20601
- United States
Listings
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. The company...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/16 23:48 |
| End of Day Share Price | 2021/04/16 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.