TCF Financial Corporation [NYSE:TCF]: Analyst Rating and Earnings

Equities traders frequently stay up to date regarding what leading market analysts think about a possible stock buy. As it relates to TCF Financial Corporation [TCF], the latest mean analyst recommendation that’s publicly available is from the fiscal three-month period ending in December. On average, stock market experts give TCF an Outperform rating. Its stock price has been found in the range of 18.17 to 27.34. This is compared to its latest closing price of $20.21.

Wall Street analysts provide their ratings on a scale of 1 to 5, and the current average score for TCF Financial Corporation [TCF] is sitting at 2.40. This is compared to 1 month ago, when its average rating was 2.40.

For the quarter ending in Mar-19 TCF Financial Corporation [TCF] generated $0.25 billion in sales. That’s 0.41% lower than the average estimate of $0.25 billion as provided by Wall Street analysts. The three indicators above suggest that on the whole, this stock is not presenting an attractive investment option, as there are too many red flags that don’t point to a high-value ROI.

Stay on the lookout for the next quarterly financial report – the company is expected to release the following results on Fri 26 Jul (In 71 Days).

Fundamental Analysis of TCF Financial Corporation [TCF]

Now let’s turn to look at profitability: with a current Operating Margin for TCF Financial Corporation [TCF] sitting at +26.89, this company’s Net Margin is now 24.90%. These measurements indicate that TCF Financial Corporation [TCF] is generating considerably more profit, after expenses are accounted for, compared to its market peers.

This company’s Return on Total Capital is 11.09, and its Return on Invested Capital has reached 31.60%. Its Return on Equity is 11.57, and its Return on Assets is 1.28. These metrics suggest that this TCF Financial Corporation does a poor job of managing its assets, and likely won’t be able to provide successful business outcomes for its investors in the near term.

Turning to investigate this organization’s capital structure, TCF Financial Corporation [TCF] has generated a Total Debt to Total Equity ratio of 57.12. Similarly, its Total Debt to Total Capital is 36.35, while its Total Debt to Total Assets stands at 6.09. Looking toward the future, this publicly-traded company’s Long-Term Debt to Equity is 59.44, and its Long-Term Debt to Total Capital is 35.31. This company has a healthy balance between its debt and its current holdings, suggesting it is a reliable investment due to its ability to leverage debt in an efficient way.

What about valuation? This company’s Enterprise Value to EBITDA is 6.63. The Enterprise Value to Sales for this firm is now 2.67, and its Total Debt to Enterprise Value stands at 0.34. TCF Financial Corporation [TCF] has a Price to Book Ratio of 1.35, a Price to Cash Flow Ratio of 5.80 and P/E Ratio of 11.60. These metrics all suggest that TCF Financial Corporation is more likely to generate a positive ROI.

Shifting the focus to workforce efficiency, TCF Financial Corporation [TCF] earns $295,199 for each employee under its payroll. Similarly, this company’s Total Asset Turnover is 0.07. This publicly-traded organization’s liquidity data is also interesting: its Current Ratio is 0.04.

TCF Financial Corporation [TCF] has 164.19M shares outstanding, amounting to a total market cap of $3.32B. Its stock price has been found in the range of 18.17 to 27.34. At its current price, it has moved by -24.49% from its 52-week high, and it has moved 13.62% from its 52-week low.

This stock’s Beta value is currently 1.23, which indicates that it is more volatile that the wider market. This stock’s Relative Strength Index (RSI) is at 40.50. This RSI score is good, suggesting this stock is neither overbought or oversold.

Conclusion: Is TCF Financial Corporation [TCF] a Reliable Buy?

Shares of TCF Financial Corporation [TCF], on the whole, present investors with both positive and negative signals. Wall Street analysts have mixed reviews when it comes to the 12-month price outlook, and this company’s financials show a combination of strengths and weaknesses. Based on the price performance, this investment is somewhat risky while presenting reasonable potential for ROI.