The Community Financial Corporation (TCFC): Price and Financial Metrics

TCFC POWR Grades

• TCFC scores best on the Stability dimension, with a Stability rank ahead of 95.29% of US stocks.
• TCFC's strongest trending metric is Stability; it's been moving down over the last 70 days.
• TCFC ranks lowest in Quality; there it ranks in the 21st percentile.

TCFC Stock Summary

• TCFC's current price/earnings ratio is 5.08, which is higher than just 11.88% of US stocks with positive earnings.
• Price to trailing twelve month operating cash flow for TCFC is currently 4.54, higher than just 23.99% of US stocks with positive operating cash flow.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 12.7 for COMMUNITY FINANCIAL CORP; that's greater than it is for 94.24% of US stocks.
• Stocks with similar financial metrics, market capitalization, and price volatility to COMMUNITY FINANCIAL CORP are HTLF, UBFO, SMBK, HMNF, and MCBC.
• Visit TCFC's SEC page to see the company's official filings. To visit the company's web site, go to www.cbtc.com.

TCFC Valuation Summary

• In comparison to the median Financial Services stock, TCFC's price/earnings ratio is 41.18% lower, now standing at 5.
• Over the past 211 months, TCFC's price/earnings ratio has gone down 10.5.

Below are key valuation metrics over time for TCFC.

TCFC Growth Metrics

Its 4 year net income to common stockholders growth rate is now at 75.36%.
• Its 5 year cash and equivalents growth rate is now at 139.54%.
• The 5 year price growth rate now stands at -38.24%.

TCFC's revenue has moved up $17,629,000 over the prior 33 months.

The table below shows TCFC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	74.799	30.281	27.453
2022-06-30	73.222	33.552	26.277
2022-03-31	72.681	34.749	25.875
2021-12-31	73.754	33.217	25.886
2021-09-30	72.325	38.57	25.274
2021-06-30	68.85	33.622	22.669

TCFC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• TCFC has a Quality Grade of C, ranking ahead of 33.76% of graded US stocks.
• TCFC's asset turnover comes in at 0.032 -- ranking 339th of 430 Banking stocks.
• RNST, BOKF, and SSB are the stocks whose asset turnover ratios are most correlated with TCFC.

The table below shows TCFC's key quality metrics over time.