Community Financial is a banks-regional business based in the US. Community Financial shares (TCFC) are listed on the NASDAQ and all prices are listed in US Dollars. Community Financial employs 199 staff and has a trailing 12-month revenue of around $74.8 million.
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| Latest market close | $40.00 |
|---|---|
| 52-week range | $32.69 - $41.43 |
| 50-day moving average | $39.84 |
| 200-day moving average | $37.61 |
| Wall St. target price | $49.00 |
| PE ratio | 8.3437 |
| Dividend yield | $0.7 (1.72%) |
| Earnings per share (TTM) | $4.83 |
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Historical closes compared with the close of $40 from 2023-01-30
| 1 week (2023-01-24) | -1.79% |
|---|---|
| 1 month (2022-12-30) | 0.25% |
| 3 months (2022-10-31) | 5.82% |
| 6 months (2022-07-29) | 8.75% |
| 1 year (2022-01-31) | 1.01% |
|---|---|
| 2 years (2021-01-29) | 68.07% |
| 3 years (2020-01-31) | 17.65% |
| 5 years (2018-01-31) | 8.58% |
Valuing Community Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Community Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Community Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 8x. In other words, Community Financial shares trade at around 8x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Community Financial's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.7. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Community Financial's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
| Revenue TTM | $74.8 million |
|---|---|
| Operating margin TTM | 51.47% |
| Gross profit TTM | $73.8 million |
| Return on assets TTM | 1.18% |
| Return on equity TTM | 14.33% |
| Profit margin | 36.7% |
| Book value | $31.74 |
| Market capitalisation | $227.5 million |
TTM: trailing 12 months
Dividend payout ratio: 14.49% of net profits
Recently Community Financial has paid out, on average, around 14.49% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.72% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Community Financial shareholders could enjoy a 1.72% return on their shares, in the form of dividend payments. In Community Financial's case, that would currently equate to about $0.7 per share.
While Community Financial's payout ratio might seem low, this can signify that Community Financial is investing more in its future growth.
Community Financial's most recent dividend payout was on 23 January 2023. The latest dividend was paid out to all shareholders who bought their shares by 8 January 2023 (the "ex-dividend date").
Community Financial's shares were split on a 3:2 basis on 28 November 2006. So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Community Financial shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Community Financial shares which in turn could have impacted Community Financial's share price.
Over the last 12 months, Community Financial's shares have ranged in value from as little as $32.6926 up to $41.43. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Community Financial's is 0.7771. This would suggest that Community Financial's shares are less volatile than average (for this exchange).
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. .
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