TCF Financial (TCF) versus The Competition Financial Contrast

TCF Financial (NYSE: TCF) is one of 310 public companies in the “Banks” industry, but how does it compare to its rivals? We will compare TCF Financial to similar businesses based on the strength of its dividends, earnings, profitability, valuation, risk, analyst recommendations and institutional ownership.

Analyst Ratings

This is a breakdown of current recommendations and price targets for TCF Financial and its rivals, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TCF Financial 2 7 4 0 2.15
TCF Financial Competitors 2509 9036 8951 378 2.34

TCF Financial currently has a consensus price target of $20.73, suggesting a potential downside of 4.26%. As a group, “Banks” companies have a potential downside of 1.50%. Given TCF Financial’s rivals stronger consensus rating and higher possible upside, analysts clearly believe TCF Financial has less favorable growth aspects than its rivals.


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 2.0% and pay out 36.8% of their earnings in the form of a dividend.


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

Net Margins Return on Equity Return on Assets
TCF Financial 18.31% 9.58% 1.01%
TCF Financial Competitors 17.42% 8.41% 0.95%

Insider and Institutional Ownership

82.6% of TCF Financial shares are owned by institutional investors. Comparatively, 51.9% of shares of all “Banks” companies are owned by institutional investors. 2.5% of TCF Financial shares are owned by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility & Risk

TCF Financial has a beta of 1.21, indicating that its share price is 21% more volatile than the S&P 500. Comparatively, TCF Financial’s rivals have a beta of 0.76, indicating that their average share price is 24% less volatile than the S&P 500.

Earnings & Valuation

This table compares TCF Financial and its rivals gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
TCF Financial $1.47 billion $268.63 million 19.16
TCF Financial Competitors $5.58 billion $764.07 million 385.76

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


TCF Financial rivals beat TCF Financial on 9 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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