TCF FINANCIAL CORP
Financials · National Commercial Banks · MI · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Revenue | — | $465.5M | $454.4M | $436.1M | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $51.9M | $70.5M | $304.4M | $268.6M | $23.6M | $17.8M |
| Total assets | $47.80B | $46.65B | $23.70B | $23.00B | $17.36B | $9.19B |
| Total liabilities | $42.11B | $40.92B | $21.14B | $16.61B | $14.77B | $8.17B |
| Equity | $5.67B | $5.71B | $2.54B | $2.67B | $2.58B | $1.02B |
| EPS (diluted) | $0.32 | $0.83 | $3.43 | $2.83 | $0.60 | $0.54 |
| Shares out. | 152.8M | 71.5M | 71.3M | 71.1M | 38.2M | 32.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2020- Operating margin
- —
- Net margin
- —
- Return on equity
- 0.9%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.1%
- Debt / equity
- 7.43×
- Book value / share
- $37.12
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −26.4%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2020- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Wise TheresaDirector | Jun 9, 2021 | D | 14,104.148 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventJun 9, 2021
- Other material eventMay 25, 2021
- Results of operationsApr 22, 2021
- Shareholder vote · Other material eventMar 26, 2021
- Other material eventMar 12, 2021
- Results of operationsJan 22, 2021
- Entered a material agreement · Director / officer changeDec 17, 2020
- Other material eventDec 14, 2020
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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