TCF FINANCIAL CORP
Financials · National Commercial Banks · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | — | $1.47B | $1.40B | $1.33B | $1.31B | $1.27B |
| Operating income | — | — | — | — | — | — |
| Net income | $304.4M | $268.6M | $212.1M | $197.1M | $174.2M | $151.7M |
| Total assets | $23.70B | $23.00B | $21.44B | $20.69B | $19.39B | $18.38B |
| Total liabilities | $21.14B | $20.32B | $19.00B | $18.38B | $17.26B | $16.42B |
| Equity | $2.54B | $2.66B | $2.43B | $2.29B | $2.12B | $1.95B |
| EPS (diluted) | $1.74 | $1.44 | $1.15 | $1.07 | $0.94 | $0.82 |
| Shares out. | 171.0M | 170.6M | 170.6M | 167.7M | 165.5M | 163.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- —
- Return on equity
- 12.0%
- Return on assets
- 1.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.2%
- Debt / equity
- 8.33×
- Book value / share
- $14.84
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 13.3%
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 · FY2018- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 4/6mixed
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. What these scores mean →
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 |
|---|---|---|---|---|
| Maass Brian WOfficer — CFO, Treasurer | Aug 1, 2019 | Grant | 48,220 | $0.00 |
| Jones Michael ScottOfficer — EVP | Aug 1, 2019 | Grant | 67,206 | $0.00 |
| Jackson Andrew JOfficer — Chief Audit Executive | Aug 1, 2019 | D | 44,815 | — |
| Henak William S.Officer — EVP | Aug 1, 2019 | Grant | 61,803 | $0.00 |
| Green Joseph TOfficer — SVP/General Counsel | Aug 1, 2019 | D | 60,824 | — |
| Dahl Craig ROfficer — CEO and President | Aug 1, 2019 | Grant | 154,155 | $0.00 |
| Costa James MOfficer — Chief Risk Officer | Aug 1, 2019 | Grant | 54,030 | $0.00 |
| Butterfield Thomas JohnOfficer — Chief Information Officer | Aug 1, 2019 | Grant | 54,030 | $0.00 |
| Wise TheresaDirector | Aug 1, 2019 | D | 3,523.581 | — |
| Sullivan JulieDirector | Aug 1, 2019 | D | 10,370.898 | — |
| Sit Roger JDirector | Aug 1, 2019 | D | 13,132.88 | — |
| Opperman Vance KDirector | Aug 1, 2019 | D | 30,089 | — |
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 · Delisting / listing-standard notice · Modified shareholder rights · Director / officer changeAug 1, 2019
- Results of operations · Regulation FD disclosureJul 25, 2019
- Other material eventJul 16, 2019
- Regulation FD disclosure · Other material eventJul 2, 2019
- Regulation FD disclosureJun 25, 2019
- Other material eventJun 21, 2019
- Shareholder vote · Other material eventJun 7, 2019
- Other material eventMay 28, 2019
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 ↗- SC 13GFeb 6, 2020
- 15-12BAug 16, 2019
- EFFECTAug 6, 2019
- EFFECTAug 6, 2019
- EFFECTAug 6, 2019
- EFFECTAug 6, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
- 4PRIMARY DOCUMENTAug 5, 2019
Event-driven situations (1)
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