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Complete financial analysis of The Community Financial Corporation (TCFC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of The Community Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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The Community Financial Corporation (TCFC)
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.
| Metric | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 79.92M | 74.34M | 69.33M | 59.30M | 54.96M | 47.47M | 43.27M | 39.83M | 39.15M | 36.21M | 34.10M | 31.03M | 29.54M | 24.80M | 21.74M | 22.39M | 19.57M | 17.21M | 15.38M | 12.22M | 12.64M | 11.16M | 10.24M | 9.68M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 79.92M | 74.34M | 69.33M | 59.30M | 54.96M | 47.47M | 43.27M | 39.83M | 39.15M | 36.21M | 34.10M | 31.03M | 29.54M | 24.80M | 21.74M | 22.39M | 19.57M | 17.21M | 15.38M | 12.22M | 12.64M | 11.16M | 10.24M | 9.68M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 21.51M | 21.64M | 20.80M | 21.13M | 20.63M | 17.71M | 17.86M | 17.51M | 16.95M | 16.06M | 15.18M | 14.18M | 12.49M | 10.97M | 8.05M | 7.60M | 7.01M | 5.85M | 5.43M | 4.70M | 0.00 | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 549.00K | 500.00K | 525.00K | 762.00K | 671.00K | 543.00K | 647.00K | 583.00K | 545.00K | 477.00K | 542.25K | 491.79K | 399.80K | 449.16K | 557.78K | 470.00K | 474.55K | 411.81K | 539.72K | 308.95K | 338.22K | 301.98K | 246.62K | 280.04K |
| SG&A | 22.06M | 22.14M | 21.33M | 21.89M | 21.30M | 18.25M | 18.51M | 18.09M | 17.49M | 16.54M | 15.73M | 14.67M | 12.89M | 11.42M | 8.61M | 8.07M | 7.48M | 6.26M | 5.97M | 5.01M | 338.22K | 301.98K | 246.62K | 280.04K |
| Other Expenses | 13.58M | -61.88M | -70.03M | -60.26M | -46.57M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -42.06M | -41.00M | -35.02M | 266.74K | -24.49M | -22.39M | -20.45M | -17.44M | -16.19M | -13.76M | -9.94M | -7.66M | -6.94M | -6.80M |
| Operating Expenses | 17.62M | -39.74M | -48.70M | -38.36M | -25.27M | 2.21M | 2.22M | 1.91M | 1.67M | 1.57M | -26.33M | -26.34M | -22.13M | 11.69M | -15.88M | -14.31M | -12.97M | -11.18M | -10.22M | -8.74M | -9.61M | -7.35M | -6.69M | -6.52M |
| Cost & Expenses | 17.62M | -39.74M | -48.70M | -38.36M | -25.27M | 2.21M | 2.22M | 1.91M | 1.67M | 1.57M | -26.33M | -26.34M | -22.13M | 11.69M | -15.88M | -14.31M | -12.97M | -11.18M | -10.22M | -8.74M | -9.61M | -7.35M | -6.69M | -6.52M |
| Interest Income | 82.71M | 70.56M | 71.07M | 72.45M | 65.17M | 53.57M | 48.05M | 43.87M | 41.76M | 39.68M | 40.29M | 39.96M | 39.54M | 37.89M | 37.26M | 38.90M | 35.69M | 29.15M | 21.61M | 16.16M | 16.76M | 18.51M | 18.29M | 15.85M |
| Interest Expense | 9.18M | 4.13M | 10.16M | 18.92M | 14.29M | 10.18M | 8.14M | 7.35M | 6.70M | 7.65M | 10.60M | 13.12M | 13.58M | 16.17M | 18.03M | 19.91M | 18.36M | 13.58M | 7.81M | 5.70M | 5.97M | 8.76M | 9.43M | 7.44M |
| Depreciation & Amortization | 1.06M | 1.05M | 1.20M | 1.37M | 1.59M | 786.00K | 812.00K | 810.00K | 753.00K | 1.27M | 1.17M | 904.10K | 1.04M | 1.19M | 953.16K | 1.31M | 1.03M | 1.15M | 752.97K | 1.11M | 445.56K | 396.40K | 348.11K | 336.38K |
| EBITDA | 48.14M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 64.41% | 47.96% | 31.48% | 37.62% | 58.50% | 36.13% | 29.03% | 27.08% | 28.14% | 32.30% | 26.22% | 18.04% | 28.61% | 22.85% | 31.33% | 41.95% | 39.01% | 41.74% | 38.45% | 37.54% | 27.53% | 37.64% | 38.02% | 36.18% |
| Operating Income | 50.42M | 34.60M | 20.63M | 20.94M | 29.69M | 16.37M | 11.75M | 9.98M | 10.27M | 10.42M | 7.77M | 4.70M | 7.41M | 4.48M | 5.86M | 8.08M | 6.61M | 6.03M | 5.16M | 3.48M | 3.03M | 3.80M | 3.54M | 3.17M |
| Operating Income Ratio | 63.09% | 46.55% | 29.75% | 35.31% | 54.02% | 34.47% | 27.15% | 25.05% | 26.22% | 28.79% | 22.78% | 15.13% | 25.08% | 18.06% | 26.95% | 36.08% | 33.75% | 35.04% | 33.55% | 28.46% | 24.01% | 34.09% | 34.62% | 32.71% |
| Total Other Income/Expenses | -12.52M | 0.00 | 0.00 | 0.00 | -14.29M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -8.63M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax | 37.90M | 34.60M | 20.63M | 20.94M | 15.40M | 16.37M | 11.75M | 9.98M | 10.27M | 10.42M | 7.77M | 4.70M | 7.41M | 4.48M | 5.86M | 8.08M | 6.61M | 6.03M | 5.16M | 3.48M | 3.03M | 3.80M | 3.54M | 3.17M |
| Income Before Tax Ratio | 47.42% | 46.55% | 29.75% | 35.31% | 28.02% | 34.47% | 27.15% | 25.05% | 26.22% | 28.79% | 22.78% | 15.13% | 25.08% | 18.06% | 26.95% | 36.08% | 33.75% | 35.04% | 33.55% | 28.46% | 24.01% | 34.09% | 34.62% | 32.71% |
| Income Tax Expense | 9.58M | 8.72M | 4.49M | 5.67M | 4.17M | 9.16M | 4.42M | 3.63M | 3.78M | 3.77M | 2.78M | 1.53M | 2.64M | 1.61M | 2.04M | 2.97M | 2.16M | 2.05M | 1.44M | 1.03M | 1.07M | 1.32M | 1.21M | 1.01M |
| Net Income | 28.32M | 25.89M | 16.14M | 15.27M | 11.23M | 7.21M | 7.33M | 6.34M | 6.49M | 6.65M | 4.99M | 3.16M | 4.77M | 2.87M | 3.82M | 5.11M | 4.44M | 3.98M | 3.72M | 2.45M | 1.97M | 2.49M | 2.34M | 2.15M |
| Net Income Ratio | 35.43% | 34.82% | 23.27% | 25.75% | 20.43% | 15.18% | 16.94% | 15.93% | 16.58% | 18.37% | 14.63% | 10.19% | 16.13% | 11.56% | 17.55% | 22.80% | 22.69% | 23.12% | 24.18% | 20.01% | 15.57% | 22.28% | 22.83% | 22.24% |
| EPS | 4.81 | 4.47 | 2.74 | 2.75 | 2.02 | 1.56 | 1.60 | 1.36 | 1.35 | 1.90 | 1.57 | 0.83 | 1.31 | 0.68 | 1.29 | 1.92 | 1.68 | 1.53 | 1.44 | 1.44 | 0.76 | 0.96 | 0.88 | 0.81 |
| EPS Diluted | 4.80 | 4.47 | 2.74 | 2.75 | 2.02 | 1.56 | 1.59 | 1.35 | 1.35 | 1.88 | 1.57 | 0.82 | 1.30 | 0.68 | 1.24 | 1.79 | 1.58 | 1.44 | 1.38 | 1.37 | 0.73 | 0.92 | 0.84 | 0.77 |
| Weighted Avg Shares Out | 5.65M | 5.79M | 5.89M | 5.56M | 5.55M | 4.63M | 4.59M | 4.64M | 4.65M | 3.40M | 3.04M | 3.02M | 2.99M | 2.96M | 2.94M | 2.66M | 2.64M | 2.60M | 2.58M | 1.69M | 2.58M | 2.59M | 2.65M | 2.64M |
| Weighted Avg Shares Out (Dil) | 5.89M | 5.80M | 5.89M | 5.56M | 5.55M | 4.63M | 4.62M | 4.68M | 4.66M | 3.43M | 3.06M | 3.05M | 3.01M | 2.99M | 3.05M | 2.85M | 2.82M | 2.76M | 2.70M | 1.79M | 2.72M | 2.70M | 2.77M | 2.81M |
COMMUNITY FINANCIAL INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of The Community Financial Corporation - TCFC
Shore (SHBI), Community Financial (TCFC) Get Nod for Merger
COMMUNITY FINANCIAL INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of The Community Financial Corporation - TCFC
TCFC Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of the Community Financial Corporation Is Fair to Shareholders
Community Financial (TCFC) Upgraded to Buy: Here's Why
Community Financial (TCFC) Beats Q1 Earnings Estimates
Earnings Preview: Community Financial (TCFC) Q1 Earnings Expected to Decline
Is The Community Financial (TCFC) Stock Undervalued Right Now?
Is Community Financial's (TCFC) Dividend Hike Sustainable?
Community Financial (TCFC) Hits Fresh High: Is There Still Room to Run?
Source: https://incomestatements.info
Category: Stock Reports