Community Financial Corp (TCFC) Key Ratios
$27.09
$0.00 (0.00%)As on 07-Jul-2023 09:30EDT
Market cap
$154 Mln
Revenue (TTM)
$83 Mln
P/E Ratio
5.1
P/B Ratio
1.3
Div. Yield
2.6 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -9.70 | 14.49 | 12.13 | 10.19 | 10.61 |
| EBIT | 2.25 | 86.31 | 51.56 | 17.40 | 18.37 |
| Net Profit | -3.78 | 16.52 | 13.45 | 27.56 | 67.20 |
| EPS | -3.95 | 17.42 | 15.43 | 27.34 | 32.55 |
| Book Value | -- | -- | -8.92 | 0.51 | 6.82 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-22 | Dec-21 |
| EBIT-Margin
| 53.20 | 56.16 | 71.15 | 63.09 | 52.09 |
| Net Margin
| -- | 25.75 | 35.58 | -- | -- |
| Return on equity
| 11.86 | 10.63 | 15.53 | 14.33 | 12.75 |
| Return on Capital
| 8.55 | 7.16 | -- | 10.08 | 9.68 |
| Return on Assets
| 1.08 | 0.97 | 0.79 | 1.20 | 1.19 |
| Debt to Equity (x)
| -- | -- | 0.16 | 0.62 | 0.24 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
--
|
10.08
|
9.68
|
5.90
|
5.93
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
15.53
Higher than Peers by 5.65
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
15.53
|
14.33
|
12.75
|
8.50
|
9.09
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
0.79
Lower than Peers by 0.17
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
0.79
|
1.20
|
1.19
|
0.84
|
0.88
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
71.15
Higher than Peers by 50.30
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
71.15
|
63.09
|
52.09
|
44.40
|
67.21
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
35.58
Higher than Peers by 15.53
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
35.58
|
35.43
|
34.82
|
23.27
|
25.75
|
|
Peer Median
|
20.04
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
12.13
Higher than Peers by 1.09
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
12.13
|
0.08
|
0.07
|
0.17
|
0.08
|
|
Peer Median
|
11.04
|
--
|
--
|
--
|
--
|
EBIT Growth
51.56
Higher than Peers by 62.60
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
51.56
|
30.19
|
25.79
|
-22.76
|
34.25
|
|
Peer Median
|
-11.04
|
--
|
--
|
--
|
--
|
Net Profit Growth
13.45
Higher than Peers by 5.99
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
13.45
|
9.39
|
60.42
|
5.66
|
36.02
|
|
Peer Median
|
7.46
|
--
|
--
|
--
|
--
|
EPS Growth
15.43
Higher than Peers by 9.53
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
15.43
|
0.11
|
0.65
|
0.00
|
0.36
|
|
Peer Median
|
5.90
|
--
|
--
|
--
|
--
|
Book Value Growth
3.72
Lower than Peers by 5.09
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
3.72
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.81
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.16
Lower than Peers by 0.05
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
0.16
|
0.62
|
0.24
|
0.40
|
0.49
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.11
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
0.11
|
0.42
|
0.03
|
0.10
|
0.03
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
5.48
Higher than Peers by 5.18
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
5.48
|
29.27
|
101.38
|
17.00
|
49.14
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
5.48
Higher than Peers by 5.13
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
5.48
|
--
|
--
|
16.84
|
47.58
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
3.37
Higher than Peers by 1.62
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
3.37
|
5.49
|
9.39
|
3.03
|
2.11
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
10.33
Higher than Peers by 3.40
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
10.33
|
10.43
|
7.52
|
12.57
|
8.46
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.02
Lower than Peers by 0.03
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
0.02
|
0.03
|
0.03
|
0.04
|
0.03
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
--
|
31.82
|
35.14
|
36.18
|
30.72
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
5.13
Lower than Peers by 7.66
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
5.13
|
7.96
|
8.69
|
9.67
|
12.96
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.25
Lower than Peers by 0.08
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
1.25
|
1.20
|
1.08
|
0.79
|
1.09
|
|
Peer Median
|
1.33
|
--
|
--
|
--
|
--
|
Dividend Yield
2.56
Higher than Peers by 0.08
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
2.56
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
--
|
-2.80
|
-9.11
|
-2.77
|
1.12
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
154
Lower than Peers by 155
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Community Financial Corp (TCFC)
|
154
|
--
|
--
|
--
|
--
|
|
Peer Median
|
309
|
--
|
--
|
--
|
--
|