TCF Financial (TCF) Stock Price
TCF Financial Price
Over the last 19 years TCF Financial grew revenue by 14.3% annually, reaching 2.05 B USD. Earnings per share have declined at 0.8% per year over the last 19 years. For TCF Financial, the net margin of 10.8% is down versus 21.4% a few years ago. At today's price the dividend yield works out to roughly 3.87%. The payout ratio is around 119% of earnings. The dividend has grown at 3.2% per year over the past 19 years.
TCF Financial stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of TCF Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how TCF Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing TCF Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | TCF Financial Price |
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TCF Financial Revenue, Pre-Provision Profit, Net Income
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TCF Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB USD |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeB USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| SHARESM |
| 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021e | 2022e | 2023e | 2024e | 2025e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.25 | 0.26 | 0.26 | 0.27 | 0.29 | 0.37 | 0.53 | 0.78 | 0.92 | 2.05 | 2.28 | 2.05 | 2.10 | 2.21 | 2.31 | 2.36 |
| 8.15 | 2.78 | 1.16 | 4.58 | 5.84 | 28.28 | 43.01 | 45.86 | 19.07 | 122.08 | 11.16 | -10.21 | 2.49 | 5.38 | 4.48 | 1.95 |
| 0.17 | 0.18 | 0.19 | 0.20 | 0.21 | 0.27 | 0.38 | 0.56 | 0.63 | 1.29 | 1.54 | – | – | – | – | – |
| 42.50 | 44.40 | 51.90 | 60.40 | 63.10 | 80.20 | 122.40 | 144.00 | 148.50 | 465.50 | 516.10 | – | – | – | – | – |
| 45.60 | 26.00 | 18.50 | 11.00 | 6.10 | 6.50 | 14.90 | 23.30 | 30.80 | 65.30 | 252.40 | – | – | – | – | – |
| 76.80 | 86.30 | 90.30 | 92.10 | 95.80 | 130.30 | 165.10 | 279.60 | 356.60 | 422.40 | 522.30 | – | – | – | – | – |
| 23.00 | 43.00 | 51.00 | 56.00 | 62.00 | 86.00 | 108.00 | 149.00 | 284.00 | 295.00 | 222.00 | 457.00 | 457.00 | 610.00 | 610.00 | 610.00 |
| 130.00 | 86.96 | 18.60 | 9.80 | 10.71 | 38.71 | 25.58 | 37.96 | 90.60 | 3.87 | -24.75 | 105.86 | – | 33.48 | – | – |
| – | – | – | – | – | – | – | – | – | – | – | 1.75 | – | – | – | – |
| 26.30 | 27.50 | 27.60 | 28.40 | 31.60 | 36.40 | 49.60 | 71.50 | 72.00 | 111.80 | 151.90 | 151.90 | 151.90 | 151.90 | 151.90 | 151.90 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales TCF Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue TCF Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare TCF Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares TCF Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against TCF Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
TCF Financial stock margins
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TCF Financial Revenue per Share, Earnings per Share
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TCF Financial business model & stock analysis
TCF Financial SWOT Analysis
Strengths
1. Strong financial position: TCF Financial Corp has maintained a robust financial position, with healthy liquidity and capitalization.
2. Diversified revenue streams: The company benefits from a diverse range of revenue sources, including commercial lending, treasury services, and retail banking.
3. Brand reputation: TCF Financial Corp has established a strong brand reputation in the market, known for its customer-centric approach and innovative solutions.
4. Technological capabilities: The company has made significant investments in technology, enabling it to offer advanced digital banking services and stay competitive in the evolving industry.
Weaknesses
1. Dependence on regional markets: TCF Financial Corp operates primarily in specific regions, making it susceptible to economic and regulatory changes impacting those areas.
2. Limited geographic presence: The company's presence is concentrated in a few states, limiting its ability to capitalize on potential opportunities in other geographical markets.
3. Relatively small market share: TCF Financial Corp faces stiff competition from larger and more established financial institutions, which may challenge its market share growth.
4. Dependence on interest income: The company's revenue heavily relies on interest income, making it vulnerable to fluctuations in interest rates and lending activities.
Opportunities
1. Expansion into new markets: TCF Financial Corp has the opportunity to strategically expand its geographic reach, tapping into untapped markets and diversifying its revenue base.
2. Growing demand for digital banking: With the increasing adoption of digital banking services, the company can enhance its technological offerings and capture a larger market share.
3. Mergers and acquisitions: TCF Financial Corp can consider targeted mergers or acquisitions to accelerate its growth, access new customer segments, and gain a competitive edge.
4. Rising interest rates: As interest rates are expected to rise, the company can benefit from higher interest income, improving its profitability.
Threats
1. Regulatory environment: Stringent regulations and compliance requirements pose a threat to TCF Financial Corp's operations, leading to increased costs and limitations on certain business activities.
2. Economic downturns: Adverse economic conditions, such as recessions or financial crises, can negatively impact the company's credit quality, loan losses, and overall profitability.
3. Competitive pressures: Intense competition from larger banks and emerging fintech disruptors can pose a threat to TCF Financial Corp's market share and customer retention.
4. Cybersecurity risks: As technology becomes increasingly integrated into financial services, the company faces the ongoing challenge of protecting sensitive customer data from cyber threats.
TCF Financial Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
TCF Financial historical P/E ratio, EBIT multiple, and P/S ratio
TCF Financial annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
TCF Financial shares outstanding
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TCF Financial stock splits
TCF Financial Dividend History
22 years of dividend payments
TCF Financial dividend payout ratio
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Frequently asked questions about TCF Financial
The business model of TCF Financial Corp focuses on providing a wide range of financial services to individuals, small businesses, and commercial clients. TCF Financial Corp is a diversified financial institution that offers banking, lending, investment, and treasury management services. With its network of branches and digital banking capabilities, the company strives to meet the financial needs of its customers by offering competitive products and personalized solutions. TCF Financial Corp aims to deliver exceptional customer service and build long-lasting relationships to support the financial goals and success of its clients.
TCF Financial stock
TCF Financial Peer Group
TCF Financial FIGI
All fundamentals and in-depth analysis of TCF Financial
Our stock analysis for TCF Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of TCF Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.