TCF Tcf Financial Corp

Price (delayed)

$47.22

Market cap

$7.21B

P/E Ratio

25.39

Dividend/share

$1.4

EPS

$1.86

Enterprise value

$9.1B

Sector: Financial Services
Industry: Banks - Regional

TCF Financial Corporation is a Detroit, Michigan-based financial holding company with $48 billionin total assets at Sept. 30, 2020 and a top 10 deposit market share in the Midwest. TCF's ...

Highlights

TCF's net income is up by 32% since the previous quarter and by 6% year-on-year
TCF's gross profit is up by 3.7% year-on-year and by 2.9% since the previous quarter
The company's debt has shrunk by 52% YoY but it rose by 48% QoQ
Tcf Financial's EPS has increased by 33% QoQ but it has decreased by 20% YoY
TCF's price to earnings (P/E) is 44% more than its 5-year quarterly average of 17.3 and 14% more than its last 4 quarters average of 21.8

Key stats

What are the main financial stats of TCF
Market
Shares outstanding
152.65M
Market cap
$7.21B
Enterprise value
$9.1B
Valuations
Price to earnings (P/E)
25.39
Price to book (P/B)
1.3
Price to sales (P/S)
3.89
EV/EBIT
26.73
EV/EBITDA
11.6
EV/Sales
4.92
Earnings
Revenue
$1.85B
EBIT
$340.55M
EBITDA
$784.98M
Free cash flow
$547.88M
Per share
EPS
$1.86
Free cash flow per share
$3.6
Book value per share
$36.46
Revenue per share
$12.15
TBVPS
$315
Balance sheet
Total assets
$49.46B
Total liabilities
$43.87B
Debt
$2.94B
Equity
$5.56B
Working capital
N/A
Liquidity
Debt to equity
0.53
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.41
Margins
EBITDA margin
42.5%
Gross margin
100%
Net margin
15.9%
Operating margin
18.8%
Efficiency
Return on assets
0.6%
Return on equity
5.1%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
18.4%
Dividend
Dividend yield
2.96%
DPS
$1.4
Payout ratio
75.3%

TCF stock price

How has the Tcf Financial stock price performed over time
Intraday
2.01%
1 week
0.28%
1 month
-2.52%
1 year
101.02%
YTD
27.55%
QTD
1.64%

Financial performance

How have Tcf Financial's revenue and profit performed over time
Revenue
$1.85B
Gross profit
$1.85B
Operating income
$347.69M
Net income
$294.2M
Gross margin
100%
Net margin
15.9%
TCF's net income is up by 32% since the previous quarter and by 6% year-on-year
The operating income rose by 29% QoQ and by 6% YoY
The company's net margin rose by 28% QoQ and by 2.6% YoY
The operating margin has grown by 25% from the previous quarter

Growth

What is Tcf Financial's growth rate over time

Valuation

What is Tcf Financial stock price valuation
P/E
25.39
P/B
1.3
P/S
3.89
EV/EBIT
26.73
EV/EBITDA
11.6
EV/Sales
4.92
TCF's price to earnings (P/E) is 44% more than its 5-year quarterly average of 17.3 and 14% more than its last 4 quarters average of 21.8
Tcf Financial's EPS has increased by 33% QoQ but it has decreased by 20% YoY
TCF's price to book (P/B) is 41% higher than its last 4 quarters average of 0.9 and 15% higher than its 5-year quarterly average of 1.1
The P/S is 36% higher than the last 4 quarters average of 2.8 and 6% higher than the 5-year quarterly average of 3.6
Tcf Financial's revenue has increased by 3.7% YoY and by 2.9% QoQ

Efficiency

How efficient is Tcf Financial business performance
Tcf Financial's return on assets has surged by 50% QoQ but it has decreased by 14% YoY
The return on invested capital has increased by 40% since the previous quarter
TCF's ROE is up by 34% from the previous quarter but it is down by 3.8% YoY
Tcf Financial's return on sales has increased by 26% QoQ and by 2.8% YoY

Dividends

What is TCF's dividend history
DPS
$1.4
Dividend yield
2.96%
Payout ratio
75.3%
Recent dividends

Financial health

How did Tcf Financial financials performed over time
The total assets is 13% greater than the total liabilities
The total liabilities has grown by 4.2% from the previous quarter and by 2.2% YoY
The total assets is up by 3.5% since the previous quarter
The company's debt is 47% lower than its equity
The company's debt has shrunk by 52% YoY but it rose by 48% QoQ
TCF's debt to equity has soared by 51% since the previous quarter but it has dropped by 51% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.