TCF Financial (TCF) vs. The Competition Financial Survey

TCF Financial (NYSE: TCF) is one of 309 public companies in the “Banks” industry, but how does it contrast to its competitors? We will compare TCF Financial to related companies based on the strength of its profitability, analyst recommendations, dividends, institutional ownership, risk, valuation and earnings.

Earnings & Valuation

This table compares TCF Financial and its competitors top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
TCF Financial $1.40 billion $212.12 million 18.73
TCF Financial Competitors $5.50 billion $827.87 million 379.08

TCF Financial’s competitors have higher revenue and earnings than TCF Financial. TCF Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a breakdown of current ratings and target prices for TCF Financial and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TCF Financial 1 7 6 0 2.36
TCF Financial Competitors 2219 8706 8701 358 2.36

TCF Financial currently has a consensus target price of $19.58, suggesting a potential downside of 7.49%. As a group, “Banks” companies have a potential downside of 7.02%. Given TCF Financial’s competitors stronger consensus rating and higher probable upside, analysts clearly believe TCF Financial has less favorable growth aspects than its competitors.

Profitability

This table compares TCF Financial and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
TCF Financial 15.27% 9.63% 0.98%
TCF Financial Competitors 18.58% 8.22% 0.93%

Insider & Institutional Ownership

82.3% of TCF Financial shares are owned by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are owned by institutional investors. 2.5% of TCF Financial shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Volatility & Risk

TCF Financial has a beta of 1.29, meaning that its stock price is 29% more volatile than the S&P 500. Comparatively, TCF Financial’s competitors have a beta of 0.79, meaning that their average stock price is 21% less volatile than the S&P 500.

Dividends

TCF Financial pays an annual dividend of $0.30 per share and has a dividend yield of 1.4%. TCF Financial pays out 26.5% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.9% and pay out 35.0% of their earnings in the form of a dividend.

Summary

TCF Financial competitors beat TCF Financial on 10 of the 15 factors compared.

About TCF Financial

TCF Financial Corporation (TCF) is a bank holding company. The Company’s principal subsidiary is TCF National Bank (TCF Bank). The Company operates in three segments: Consumer Banking, Wholesale Banking and Enterprise Services. Consumer Banking comprises all of the Company’s consumer-facing businesses. The Consumer Banking segment includes retail banking, consumer real estate and auto finance. Wholesale Banking comprises commercial real estate and business lending, leasing and equipment finance and inventory finance. TCF’s consumer banking strategy is primarily to generate deposits to use for funding high credit quality secured loans and leases. Enterprise Services comprises corporate treasury, corporate functions and the Holding Company. As of December 31, 2016, the Company’s total securities available for sale were $1.4 billion. As of December 31, 2016, the Company’s total loans were $17.8 billion. As of December 31, 2016, the Company’s total deposits were $17.2 billion.

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