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 821,624M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (-0.3% annualized vs trailing 12 months), vs decelerating (-17.6%) for its tracked peer group.
- Growth: The Community Financial generated 13.5% revenue growth year over year in Q1 2023, vs 11.5% for its 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 $0.52M 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 11.52 %.
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.
API endpoints for this dataset
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 The Community Financial reports; 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 |
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 6.9% 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 0.01%, a gain of 0.00 percentage points.
The Community Financial's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| The Community Financial Corporation | Yes | Yes | No | No |
| Competitors combined (170) |
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
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 | Lionsgate Studios Corp | 282.9% | Outperformed |
| 4 | Eagle Bancorp Inc | 282.9% | Outperformed |
| 5 | Community Ban corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for The Community Financial's best-performing 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 |
923,300.79 | 190,733.00 |
 Bank Of America Corporation |
364,937.77 | 122,968.00 |
 Wells Fargo and Company |
262,337.46 | 85,055.00 |
 Citigroup inc |
214,225.11 | 91,360.00 |
 Capital one financial corp |
120,108.07 | 54,798.00 |
| SUBTOTAL | 2,674,623.14 | 825,343.73 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
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 Competitors Named by the Company
Competitive relationships identified from The Community Financial reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Eagle Bancorp Inc | Company report | 85% |
| Glen Burnie Bancorp | Company report | 85% |
| Atlantic Union Bankshares Corporation | Company report | 85% |
| Gouverneur Bancorp, Inc./MD/ | Company report | 85% |
| Security Midwest Bancorp, Inc. | Company report | 85% |
| Community bankers trust corp | Company report | 85% |
| FB Bancorp, Inc. /MD/ | Company report | 85% |
| Patapsco Bancorp Inc | Company report | 85% |
| Bcsb Bancorp Inc. | Company report | 85% |
| Xenith Bankshares, Inc. | Company report | 85% |
| URSB Bancorp, Inc. | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Farmers And Merchants Bancshares Inc | Company report | 85% |
| Partners Bancorp | Company report | 85% |
| Bnc Bancorp | Company report | 85% |
| Old Line Bancshares Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for The Community Financial's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
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 % |
| Capital one financial corp | Credit Card 74.32 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
| Pultegroup Inc | Florida 27.75 % |
Source: operating segment revenue as reported in each company's reports (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 | 923,301 | 598,825 | 204,714 |
| Bank Of America Corporation | 364,938 | 577,315 | 150,793 |
| Wells Fargo and Company | 262,337 | 355,879 | 96,699 |
| Citigroup inc | 214,225 | 404,248 | 80,004 |
| Capital one financial corp | 120,108 | 718,191 | 142,595 |
| PEERS TOTAL | 2,674,470 | 518,185 | 133,877 |
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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 report. 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 reports (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 (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 52.02 % | 50.49 % (avg) | +1.5 pp |
| Capital Intensity (Capex / Revenue) | 1.81 % | 1.38 % (avg) | +0.4 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 (2 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. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 7.4x | - | - |
| EV / EBITDA | 5.6x | - | - |
| P/B | 1.2x | - | - |
| Return on Equity | 15.66 % | industry aggregate | 1.54 % |
| Return on Invested Capital | 3.30 % | 4.16 % (avg) | -0.86 % |
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 company reports.| 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 % | - | - | - |
| Return on Invested Capital | 3.21 % | - | 5.10 % | 4.09 % | 4.86 % | 3.26 % | 7.17 % | 4.90 % |
| P/E | 15.5x | 16.9x | 23.7x | 14.8x | 12.5x | 9.0x | 8.6x | 7.7x |
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 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 | High (capital intensive) | Capital intensity (capex / revenue) of 1.81 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on The Community Financial's dedicated Suppliers and Customers pages, not here.
The Community Financial's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
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
No rule matched.
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 11.7% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-17.6% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
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 | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
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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 | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| PEERS TOTAL | +9.2 % | +5.9 % |
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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 | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
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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 | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
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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 | 14.48 | 4.84 |
| Bank Of America Corporation | 12.06 | 2.97 |
| Wells Fargo and Company | 12.19 | 3.08 |
| Citigroup inc | 13.37 | 2.34 |
| Capital one financial corp | 11.21 | 2.19 |
| PEERS AVERAGE | 12.54 | 3.24 |
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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.