The Community Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of The Community Financial (TCFC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: The Community Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 80M vs 803,346M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (-0.3% annualized vs trailing 12 months), vs decelerating (-15.7%) for its tracked peer group.
- Growth: The Community Financial generated 13.5% revenue growth year over year in Q1 2023, vs 11.6% for its tracked competitors combined.
- Profitability: Its 36.9% net margin compares with 25.9% for the peer group.
- Peer revenue share: The Community Financial accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.40M compares with $0.51M for the peer group (0.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
TCFC Sales vs. its Competitors, Q1 2023
The Community Financial reported revenue growth of 13.51 % year on year in Q1 2023, above its competitors' combined revenue growth of 11.56 %.
With a net margin of 36.88 %, The Community Financial achieved higher profitability than its competitors (25.87 %).
The Community Financial generated 0.01 % of the combined sales of its peer group, up from 0.01 % a year earlier.
The Community Financial vs. its Competitors, Q1 2023
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across The Community Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| The Community Financial Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (2) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across The Community Financial's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 13.5% for The Community Financial. The Community Financial's share of combined industry revenue moved from 0.01% to 0.02%, a gain of 0.00 percentage points.
The Community Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| The Community Financial Corporation | Yes | Yes | No | No |
| Competitors combined (170) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 87.50 % (7 of 8) | 62.50 % (5 of 8) | 12.50 % (1 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
TCFC Stock Performance relative to its Competitors
TCFC Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
| 5 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for The Community Financial's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
The Community Financial's Comment on Competition and Industry Peers
Publicly Traded Peers of The Community Financial Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| The Community Financial Corporation | 153.21 | 79.70 |
| Jpmorgan Chase and Co | 906,840.78 | 186,328.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wells Fargo and Company | 248,473.80 | 83,940.00 |
| Citigroup inc | 233,259.84 | 88,262.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| SUBTOTAL | 2,686,185.53 | 807,065.41 |
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Sources: The Community Financial Corporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on The Community Financial Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
The Community Financial's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
| Lionsgate Studios Corp | Motion Picture 61.44 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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The Community Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| The Community Financial Corporation | 153 | 398,495 | 146,780 |
| Jpmorgan Chase and Co | 906,841 | 584,995 | 200,752 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wells Fargo and Company | 248,474 | 351,213 | 95,100 |
| Citigroup inc | 233,260 | 390,540 | 72,049 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| PEERS TOTAL | 2,686,032 | 506,708 | 131,615 |
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The Community Financial's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
The Community Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 73.81 % | 64.14 % (avg) | +9.7 pp |
| Operating Margin | 84.96 % | industry median | +46.4 pp |
| EBITDA Margin | 52.02 % | 49.90 % (avg) | +2.1 pp |
| Capital Intensity (Capex / Revenue) | 1.81 % | 3.18 % (avg) | -1.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
The Community Financial's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 6.9x | 15.6x | -8.6x |
| EV / EBITDA | -6.3x | 6.2x | -12.5x |
| P/B | 1.1x | 1.3x | -0.2x |
| Return on Equity | 15.66 % | industry aggregate | 1.55 % |
| Return on Invested Capital | 3.31 % | 3.20 % (avg) | 0.11 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
The Community Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 5.19 % | 12.01 % | 11.28 % | 15.26 % | 6.76 % | 2.56 % | 25.79 % | 4.86 % |
| Operating Margin | 25.98 % | - | 35.22 % | 28.76 % | 36.62 % | 35.18 % | 46.92 % | 95.48 % |
| Return on Invested Capital | 3.21 % | - | 5.10 % | 4.09 % | 4.86 % | 3.26 % | 7.17 % | 4.92 % |
| P/E | 15.5x | 16.9x | 23.7x | 14.8x | 12.5x | 9.6x | 8.7x | 7.9x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
The Community Financial's Strategic Group Map
Every company in The Community Financial's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. The Community Financial is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
The Community Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 1.81 % vs industry average 3.18 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See The Community Financial's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See The Community Financial's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
The Community Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
The Community Financial falls in the High attractiveness / Medium strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
The Community Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Operating margin 46.4 points above the industry median.
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
- Trades at a lower P/E than the industry average (6.9x vs 15.6x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-15.7% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
The Community Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| The Community Financial Corporation | 0.02 | 1.13 | 0.27 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
The Community Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| The Community Financial Corporation | Q1 2023 | +13.5 % | +16.5 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +24.8 % | +48.7 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
The Community Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| The Community Financial Corporation | Q1 2023 | - | -32.8 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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The Community Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| The Community Financial Corporation | 1.23% | 1.57% | 15.66% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
The Community Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| The Community Financial Corporation | 5.21 | 1.92 |
| Jpmorgan Chase and Co | 14.17 | 4.87 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wells Fargo and Company | 11.82 | 2.96 |
| Citigroup inc | 16.34 | 2.64 |
| Capital one financial corp | 11.69 | 2.39 |
| PEERS AVERAGE | 12.81 | 3.33 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.