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The Community Financial Corporation

TCFC

(4.2)
Stock Price

27,09 USD

1.21% ROA

11.96% ROE

5.22x PER

Market Cap.

153.580.524,00 USD

29.77% DER

0.65% Yield

35.45% NPM

The Community Financial Corporation Stock Analysis

The Community Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Community Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.66%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.77x), the stock offers substantial upside potential at a bargain price.

3 DER

The stock has a minimal amount of debt (30%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

4 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

6 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

7 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

8 ROA

The stock's ROA (1.21%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (91) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

The Community Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Community Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Sell
4 Stoch RSI Hold

The Community Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Community Financial Corporation Revenue
Year Revenue Growth
1999 9.683.615
2000 10.235.060 5.39%
2001 11.158.385 8.27%
2002 12.640.687 11.73%
2003 12.223.064 -3.42%
2004 15.382.245 20.54%
2005 17.212.084 10.63%
2006 19.573.949 12.07%
2007 22.393.489 12.59%
2008 21.741.615 -3%
2009 24.797.788 12.32%
2010 29.536.948 16.04%
2011 31.031.392 4.82%
2012 34.098.670 9%
2013 36.206.000 5.82%
2014 39.154.000 7.53%
2015 39.827.000 1.69%
2016 43.265.000 7.95%
2017 47.472.000 8.86%
2018 54.955.000 13.62%
2019 59.300.000 7.33%
2020 69.333.000 14.47%
2021 74.340.000 6.74%
2022 79.918.000 6.98%
2023 82.068.000 2.62%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Community Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Community Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 4.702.181 100%
2004 5.432.898 13.45%
2005 5.849.226 7.12%
2006 7.006.369 16.52%
2007 7.604.140 7.86%
2008 8.052.008 5.56%
2009 10.973.120 26.62%
2010 12.493.691 12.17%
2011 14.176.504 11.87%
2012 15.184.004 6.64%
2013 16.062.000 5.47%
2014 16.949.000 5.23%
2015 17.510.000 3.2%
2016 17.859.000 1.95%
2017 17.706.000 -0.86%
2018 20.628.000 14.17%
2019 21.131.000 2.38%
2020 20.800.000 -1.59%
2021 21.637.000 3.87%
2022 21.507.000 -0.6%
2023 22.644.000 5.02%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Community Financial Corporation EBITDA
Year EBITDA Growth
1999 3.503.873
2000 3.891.306 9.96%
2001 4.200.285 7.36%
2002 3.480.379 -20.68%
2003 4.588.967 24.16%
2004 5.913.795 22.4%
2005 7.185.011 17.69%
2006 7.635.059 5.89%
2007 9.393.865 18.72%
2008 6.811.491 -37.91%
2009 5.666.818 -20.2%
2010 8.450.927 32.94%
2011 5.599.142 -50.93%
2012 8.939.280 37.36%
2013 11.696.000 23.57%
2014 11.019.000 -6.14%
2015 10.786.000 -2.16%
2016 12.559.000 14.12%
2017 17.151.000 26.77%
2018 32.150.000 46.65%
2019 22.310.000 -44.11%
2020 21.826.000 -2.22%
2021 35.655.000 38.79%
2022 51.475.000 30.73%
2023 72.608.000 29.11%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Community Financial Corporation Gross Profit
Year Gross Profit Growth
1999 9.683.615
2000 10.235.060 5.39%
2001 11.158.385 8.27%
2002 12.640.687 11.73%
2003 12.223.064 -3.42%
2004 15.382.245 20.54%
2005 17.212.084 10.63%
2006 19.573.949 12.07%
2007 22.393.489 12.59%
2008 21.741.615 -3%
2009 24.797.788 12.32%
2010 29.536.948 16.04%
2011 31.031.392 4.82%
2012 34.098.670 9%
2013 36.206.000 5.82%
2014 39.154.000 7.53%
2015 39.827.000 1.69%
2016 43.265.000 7.95%
2017 47.472.000 8.86%
2018 54.955.000 13.62%
2019 59.300.000 7.33%
2020 69.333.000 14.47%
2021 74.340.000 6.74%
2022 79.918.000 6.98%
2023 82.068.000 2.62%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Community Financial Corporation Net Profit
Year Net Profit Growth
1999 2.153.490
2000 2.336.196 7.82%
2001 2.485.535 6.01%
2002 1.967.821 -26.31%
2003 2.445.898 19.55%
2004 3.719.834 34.25%
2005 3.979.343 6.52%
2006 4.441.257 10.4%
2007 5.105.635 13.01%
2008 3.815.332 -33.82%
2009 2.867.090 -33.07%
2010 4.765.701 39.84%
2011 3.161.464 -50.74%
2012 4.989.914 36.64%
2013 6.651.000 24.97%
2014 6.490.000 -2.48%
2015 6.343.000 -2.32%
2016 7.331.000 13.48%
2017 7.208.000 -1.71%
2018 11.228.000 35.8%
2019 15.272.000 26.48%
2020 16.136.000 5.35%
2021 25.886.000 37.67%
2022 28.317.000 8.58%
2023 29.308.000 3.38%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Community Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 1
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 100%
2004 1 0%
2005 2 0%
2006 2 0%
2007 2 0%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 2 100%
2013 2 0%
2014 1 0%
2015 1 0%
2016 2 0%
2017 2 0%
2018 2 50%
2019 3 0%
2020 3 0%
2021 4 50%
2022 5 0%
2023 5 20%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Community Financial Corporation Free Cashflow
Year Free Cashflow Growth
1999 3.845.852
2000 3.741.014 -2.8%
2001 3.677.832 -1.72%
2002 3.416.724 -7.64%
2003 1.870.912 -82.62%
2004 5.196.973 64%
2005 3.946.181 -31.7%
2006 4.951.027 20.3%
2007 906.467 -446.19%
2008 1.905.907 52.44%
2009 1.234.833 -54.35%
2010 7.640.401 83.84%
2011 5.109.604 -49.53%
2012 7.516.391 32.02%
2013 7.472.000 -0.59%
2014 8.278.000 9.74%
2015 9.047.000 8.5%
2016 8.945.000 -1.14%
2017 9.323.000 4.05%
2018 17.623.000 47.1%
2019 14.882.000 -18.42%
2020 27.828.000 46.52%
2021 30.572.000 8.98%
2022 33.899.000 9.81%
2023 7.908.000 -328.67%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Community Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
1999 4.397.820
2000 4.068.169 -8.1%
2001 5.012.228 18.84%
2002 4.523.228 -10.81%
2003 2.399.081 -88.54%
2004 6.265.408 61.71%
2005 5.242.895 -19.5%
2006 6.314.581 16.97%
2007 4.625.771 -36.51%
2008 5.824.966 20.59%
2009 2.174.584 -167.87%
2010 8.827.462 75.37%
2011 10.322.468 14.48%
2012 12.030.866 14.2%
2013 8.507.000 -41.42%
2014 10.633.000 19.99%
2015 12.497.000 14.92%
2016 12.915.000 3.24%
2017 10.102.000 -27.85%
2018 19.400.000 47.93%
2019 15.690.000 -23.65%
2020 28.083.000 44.13%
2021 33.217.000 15.46%
2022 35.425.000 6.23%
2023 8.076.000 -338.65%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Community Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
1999 551.968
2000 327.155 -68.72%
2001 1.334.396 75.48%
2002 1.106.504 -20.6%
2003 528.169 -109.5%
2004 1.068.435 50.57%
2005 1.296.714 17.6%
2006 1.363.554 4.9%
2007 3.719.304 63.34%
2008 3.919.059 5.1%
2009 939.751 -317.03%
2010 1.187.061 20.83%
2011 5.212.864 77.23%
2012 4.514.475 -15.47%
2013 1.035.000 -336.18%
2014 2.355.000 56.05%
2015 3.450.000 31.74%
2016 3.970.000 13.1%
2017 779.000 -409.63%
2018 1.777.000 56.16%
2019 808.000 -119.93%
2020 255.000 -216.86%
2021 2.645.000 90.36%
2022 1.526.000 -73.33%
2023 168.000 -808.33%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Community Financial Corporation Equity
Year Equity Growth
1999 21.115.383
2000 23.429.822 9.88%
2001 25.586.458 8.43%
2002 26.872.765 4.79%
2003 27.911.910 3.72%
2004 31.123.575 10.32%
2005 34.578.156 9.99%
2006 37.729.337 8.35%
2007 48.847.076 22.76%
2008 67.114.419 27.22%
2009 68.189.849 1.58%
2010 71.104.927 4.1%
2011 75.454.098 5.76%
2012 79.047.261 4.55%
2013 110.730.000 28.61%
2014 116.559.000 5%
2015 99.783.000 -16.81%
2016 104.426.000 4.45%
2017 109.957.000 5.03%
2018 154.482.000 28.82%
2019 181.494.000 14.88%
2020 198.013.000 8.34%
2021 208.133.000 4.86%
2022 187.011.000 -11.29%
2023 198.806.000 5.93%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Community Financial Corporation Assets
Year Assets Growth
1999 222.897.280
2000 248.339.456 10.24%
2001 261.957.290 5.2%
2002 282.173.695 7.16%
2003 351.729.992 19.78%
2004 505.767.123 30.46%
2005 541.287.475 6.56%
2006 575.496.014 5.94%
2007 598.405.834 3.83%
2008 716.684.910 16.5%
2009 815.042.534 12.07%
2010 885.936.102 8%
2011 983.479.723 9.92%
2012 981.639.212 -0.19%
2013 1.023.824.000 4.12%
2014 1.082.878.000 5.45%
2015 1.143.332.000 5.29%
2016 1.334.257.000 14.31%
2017 1.405.961.000 5.1%
2018 1.689.227.000 16.77%
2019 1.797.536.000 6.03%
2020 2.026.439.000 11.3%
2021 2.327.306.000 12.93%
2022 2.410.017.000 3.43%
2023 2.428.536.000 0.76%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Community Financial Corporation Liabilities
Year Liabilities Growth
1999 201.781.897
2000 224.909.634 10.28%
2001 236.370.832 4.85%
2002 255.300.930 7.41%
2003 323.818.082 21.16%
2004 474.643.548 31.78%
2005 506.709.319 6.33%
2006 537.766.677 5.78%
2007 549.558.758 2.15%
2008 649.570.491 15.4%
2009 746.852.685 13.03%
2010 814.831.175 8.34%
2011 72.576.595 -1022.72%
2012 902.591.951 91.96%
2013 82.476.000 -994.37%
2014 966.319.000 91.46%
2015 1.043.549.000 7.4%
2016 1.229.831.000 15.15%
2017 1.296.004.000 5.11%
2018 1.534.745.000 15.56%
2019 1.616.042.000 5.03%
2020 66.916.000 -2315.03%
2021 50.084.000 -33.61%
2022 2.223.006.000 97.75%
2023 2.229.730.000 0.3%

The Community Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.6
Net Income per Share
5.19
Price to Earning Ratio
5.22x
Price To Sales Ratio
1.86x
POCF Ratio
4.67
PFCF Ratio
4.9
Price to Book Ratio
0.77
EV to Sales
2.27
EV Over EBITDA
3.14
EV to Operating CashFlow
5.72
EV to FreeCashFlow
5.98
Earnings Yield
0.19
FreeCashFlow Yield
0.2
Market Cap
0,15 Bil.
Enterprise Value
0,19 Bil.
Graham Number
64.12
Graham NetNet
-306.84

Income Statement Metrics

Net Income per Share
5.19
Income Quality
1.12
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.75
EBT Per Ebit
0.62
Ebit per Revenue
0.76
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.27
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.76
Pretax Profit Margin
0.47
Net Profit Margin
0.35

Dividends

Dividend Yield
0.01
Dividend Yield %
0.65
Payout Ratio
0.13
Dividend Per Share
0.18

Operating Metrics

Operating Cashflow per Share
5.8
Free CashFlow per Share
5.55
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.02
Capex to Depreciation
-0.58
Return on Invested Capital
0.17
Return on Tangible Assets
0.01
Days Sales Outstanding
37.71
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
9.68
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.26

Balance Sheet

Cash per Share
86,55
Book Value per Share
35,18
Tangible Book Value per Share
33.16
Shareholders Equity per Share
35.18
Interest Debt per Share
13.39
Debt to Equity
0.3
Debt to Assets
0.02
Net Debt to EBITDA
0.57
Current Ratio
5.48
Tangible Asset Value
0,19 Bil.
Net Current Asset Value
-1,76 Bil.
Invested Capital
0.3
Working Capital
0,38 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.39

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Community Financial Corporation Dividends
Year Dividends Growth
2006 1
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 0 0%

The Community Financial Corporation Profile

About The Community Financial Corporation

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, commercial, consumer, and commercial equipment 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. As of December 31, 2021, it operated 11 full services branches in Waldorf, Bryans Road, Dunkirk, Leonardtown, La Plata, Charlotte Hall, Prince Frederick, Lusby, and California, Maryland, as well as Fredericksburg, Virginia; 4 loan production offices in La Plata, Prince Frederick, and Leonardtown, Maryland, as well as Fredericksburg, Virginia; and 14 ATMs. The company was formerly known as Tri-County Financial Corporation and changed its name to The Community Financial Corporation in October 2013. The Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, Maryland.

CEO
Mr. James M. Burke
Employee
199
Address
3035 Leonardtown Road
Waldorf, 20601

The Community Financial Corporation Executives & BODs

The Community Financial Corporation Executives & BODs
# Name Age
1 Ms. Marlene Smith
Executive Assistant
70
2 Mr. Todd L. Capitani
Executive Vice President & Chief Financial Officer
70
3 Ms. Christy M. Lombardi
Executive Vice President, Chief Operating Officer & Corporation Sec.
70
4 Mr. William J. Pasenelli
Conusltant
70
5 Mr. James M. Burke
Pres, Chief Executive Officer, & Vice Chairman
70

The Community Financial Corporation Competitors