COMMUNITY FINANCIAL CORP /MD/
Financials · State Commercial Banks · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | $55.0M | $47.4M |
| Operating income | — | — | — | — | — | — |
| Net income | $28.3M | $25.9M | $16.1M | $15.3M | $11.2M | $7.2M |
| Total assets | $2.41B | $2.33B | $2.03B | $1.80B | $1.69B | $1.41B |
| Total liabilities | $2.22B | $2.12B | $1.83B | $1.62B | $1.53B | $1.30B |
| Equity | $187.0M | $208.1M | $198.0M | $181.5M | $154.5M | $110.0M |
| EPS (diluted) | $5.00 | $4.47 | $2.74 | $2.75 | $0.22 | $0.51 |
| Shares out. | 5.7M | 5.9M | 5.9M | 5.6M | 5.6M | 4.6M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2022- Operating margin
- —
- Net margin
- —
- Return on equity
- 15.1%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.2%
- Debt / equity
- 11.89×
- Book value / share
- $32.87
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 9.4%
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 · FY2022- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 5/6mixed
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● 3 good- High leverage (liabilities > 70% of assets)
- Strong return on equity (>15%)
- 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 |
|---|---|---|---|---|
| Tay Tala | Jul 1, 2023 | D | 2,051 | $0.00 |
| Pierce Patrick Douglas | Jul 1, 2023 | D | 10,974 | $0.00 |
| Pierce Lacey Amanda | Jul 1, 2023 | D | 10,788 | $0.00 |
| Slater A Joseph JrDirector | Jul 1, 2023 | D | 26,758 | $0.00 |
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 · Change in control · Director / officer change · Amended charter or bylaws · Other material eventJul 3, 2023
- Shareholder vote · Regulation FD disclosureJun 20, 2023
- Other material eventMay 25, 2023
- Results of operationsApr 26, 2023
- Other material eventMar 7, 2023
- Results of operationsFeb 1, 2023
- Entered a material agreement · Other material eventDec 14, 2022
- Regulation FD disclosureNov 7, 2022
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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