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The Community Financial Corporation TCFC NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score
75/100
4/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

The Community Financial Corporation (TCFC) is a Banks - Regional company in the Financial Services sector, currently trading at $27.09. It has a SharesGrow Score of 75/100, indicating a strong investment profile with 4 out of 7 criteria passed.

Financials: revenue is $80M, +10.5%/yr average growth. Net income is $28M, growing at +25.2%/yr. Net profit margin is 35.4% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $117M against $187M equity (Debt-to-Equity (D/E) ratio 0.62, moderate). Current ratio is 29.27 (strong liquidity). Debt-to-assets is 4.8%. Total assets: $2.4B.

Analyst outlook: 1 / 3 analysts rate TCFC as buy (33%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 46/100 (Partial), Future 20/100 (Fail), Income 100/100 (Pass).

TCFC SharesGrow Score Overview

75/100
SharesGrow Score
Strong investment profile
View full scorecard →
VALUE 100/100
Valuation — P/E, PEG, Forward PEG
GROWTH 90/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 67/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 46/100
Gross margin is + market cap
FUTURE 20/100
Analyst outlook — as buy
INCOME 100/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — TCFC

✓
VALUE Pass
100/100
TCFC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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✓
GROWTH Pass
90/100
TCFC: +10.5%/yr revenue is, +25.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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✓
PAST Pass
100/100
TCFC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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~
HEALTH Partial
67/100
Balance sheet TCFC: Debt-to-Equity (D/E) ratio 0.62 (moderate), Current ratio is 29.27 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
46/100
TCFC: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.
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✗
FUTURE Fail
20/100
Analyst outlook: 1 / 3 analysts rate TCFC as buy (33%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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✓
INCOME Pass
100/100
TCFC: Net profit margin is 35.4%. strong (≥30%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range24.25-41.43
Volume117.57K
Avg Volume (30D)23.97K
Market Cap$153.58M
Beta (1Y)0.75
Dividend Yield$0.7000
Share Statistics
EPS (TTM)4.81
Shares Outstanding$5.65M
IPO Date2002-01-08
Employees199
CEOJames M. Burke
Financial Highlights & Ratios
Revenue (TTM)$79.92M
Gross Profit$79.92M
EBITDA$48.14M
Net Income$28.32M
Operating Income$50.42M
Total Cash$486.08M
Total Debt$116.77M
Net Debt$93.44M
Total Assets$2.41B
Price / Earnings (P/E)5.6
Price / Sales (P/S)1.92
Analyst Forecast
Rating ConsensusHold
Analysts Covering3
Buy 33% Hold 67% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Capital Marke
CurrencyUSD
ISINUS20368X1019

Price Chart

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TCFC
The Community Financial Corporation ↗  ·  NASDAQ Capital Marke
Financial Services • Banks - Regional
24.25 52WK RANGE 41.43

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