Community Financial Corp (TCFC) Peer Comparison

$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 %

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	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Market cap ($ Mln)	154	11,669	10,981	10,277	10,298
Revenue ($ Mln)	83	4,633	4,560	3,248	4,346
Net Profit ($ Mln)	29.36	1,057.00	942.68	950.21	900.36
Net Margin (%)	35.58	22.81	20.67	29.26	20.72
RoE (%)	15.53	11.56	11.99	10.45	12.18
Price to Earnings	5.13	11.84	12.02	11.13	12.27
Price-To-Book	1.25	1.38	1.42	1.13	1.45

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Operating Revenue	82.52	3,411.00	1,583.16	1,674.64	2,208.50
Cost of Revenue	0.00	386.00	261.62	143.21	330.67
Gross Profit	79.92	3,025.00	1,321.54	1,531.43	1,877.83
Operating Expenses	7.80	1,866.00	789.53	898.07	1,177.27
Operating Profit (EBIT)	58.71	1,159.00	532.01	633.36	700.56
Other Income	0.00	--	--	--	--
Profit before Tax	39.18	1,159.00	532.01	633.36	700.56
Provision for Tax	9.82	247.00	100.33	137.31	190.87
Profit after Tax (Net Income)	29.36	900.00	431.68	496.05	509.68
Minority Interest	0.00	295.00	--	--	--
Consolidated Profit	29.36	868.00	431.68	496.05	481.72

Liabilities ($ Mln)

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Shareholder's Funds	198.81	8,548.00	38,131.15	5,074.93	4,796.84
Minority Interest	0.00	295.00	--	--	--
Non-Current Liabilities	116.43	2,506.00	381.31	1,936.73	3,296.03
Current Liabilities	84.86	2,506.00	16,307.72	36,907.04	44,856.78
Total Liabilities	2,410.02	78,953.00	38,512.46	43,918.70	52,949.65

Assets ($ Mln)

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Non-Current Assets	11.44	13,938.00	549.76	37,859.80	46,511.82
Current Assets	465.19	2,445.00	0.42	6,058.89	6,437.83
Total Assets	2,410.02	78,953.00	38,512.46	43,918.70	52,949.65
Total Debt*	59.19	4,438.00	2,615.76	938.38	3,603.64
Net Current Assets	0.00	--	--	--	--

Cashflow ($ Mln)

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Cash From Operating Activities	35.43	2,311.00	769.55	1,730.89	1,375.00
Cash Flow from Investing Activities	-241.51	8,313.00	-3,845.39	-4,860.40	-3,490.77
Cash from Financing Activities	91.90	-10,869.00	-4,580.86	-2,279.51	2,195.53
Net Cash Inflow / Outflow	-114.18	-245.00	-7,656.69	-5,409.01	88.73

Ratios

Profitability Ratios

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
ROCE (%)	10.08	7.23	1.00	8.33	6.65
ROE (%)	15.53	10.75	1.07	10.04	10.97
ROA (%)	0.79	1.07	1.06	1.16	0.99
EBIT Margin (%)	71.15	--	--	--	--
Net Margin (%)	35.58	26.39	27.27	29.62	23.08
Cash Profit Margin (%)	0.00	--	--	--	--

Growth Ratios

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Revenue Growth (%)	12.13	0.08	0.27	0.18	0.19
EBIT Growth (%)	51.56	--	--	--	--
Net Profit Growth (%)	13.45	-9.91	22.28	4.31	9.34
EPS Growth (%)	15.43	-0.15	0.23	-0.04	0.03
Book Value Growth (%)	3.72	--	--	--	--

Valuation Ratios

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Price / Earnings	7.96	15.57	9.43	11.75	10.26
Price / Book Value	1.20	1.64	0.11	1.15	1.09
Dividend Yield (%)	--	--	--	--	--
EV/EBITDA	-2.80	4.85	-3.41	1.01	4.26
Market Cap ($ Cr)	--	--	--	--	--

Solvency Ratios

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Debt to Equity	0.16	0.52	0.07	0.18	0.75
Short term debt to equity ratio	0.11	0.29	0.06	0.11	0.06
Current Ratio	5.48	0.98	0.00	0.16	0.14
Quick Ratio	5.48	0.97	0.19	0.16	0.14
Interest Coverage	3.37	3.98	2.38	10.32	2.78

Operating Efficiency Ratios

	Community Financial Corp (TCFC)	First Horizon National Corporation (FHN)	UMB Financial (UMBF)	South State Corp (SSB)	Wintrust Financial (WTFC)
Debtors to sales (%)	10.33	--	11.95	1,780.77	42.48
Asset Turnover	0.02	0.04	0.04	0.04	0.04
Receivable days	31.82	6,632.06	36.95	6,504.25	79.73
Inventory Days	--	9.94	-9,646.71	5.91	-3,657.64
Payable days	--	65,472.01	25,017.67	91,058.67	1,529.17
Cash Conversion Cycle	--	187,813.57	-34,627.43	-84,548.51	-5,107.08

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly