TCF Financial (NYSE: TCF) is one of 311 publicly-traded companies in the “Banks” industry, but how does it compare to its peers? We will compare TCF Financial to related businesses based on the strength of its risk, valuation, profitability, institutional ownership, earnings, dividends and analyst recommendations.

Insider and Institutional Ownership

82.3% of TCF Financial shares are held by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are held by institutional investors. 2.5% of TCF Financial shares are held by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Dividends

TCF Financial pays an annual dividend of $0.30 per share and has a dividend yield of 1.4%. TCF Financial pays out 26.3% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.9% and pay out 35.2% of their earnings in the form of a dividend.

Volatility & Risk

TCF Financial has a beta of 1.29, suggesting that its share price is 29% more volatile than the S&P 500. Comparatively, TCF Financial’s peers have a beta of 0.80, suggesting that their average share price is 20% less volatile than the S&P 500.

Valuation & Earnings

This table compares TCF Financial and its peers gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
TCF Financial $1.40 billion $212.12 million 19.49
TCF Financial Competitors $5.50 billion $827.87 million 408.84

TCF Financial’s peers have higher revenue and earnings than TCF Financial. TCF Financial is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares TCF Financial and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
TCF Financial 15.27% 9.63% 0.98%
TCF Financial Competitors 18.55% 8.24% 0.93%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for TCF Financial and its peers, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TCF Financial 1 7 5 0 2.31
TCF Financial Competitors 2419 8770 8783 369 2.35

TCF Financial presently has a consensus price target of $19.58, suggesting a potential downside of 11.87%. As a group, “Banks” companies have a potential downside of 11.64%. Given TCF Financial’s peers stronger consensus rating and higher possible upside, analysts clearly believe TCF Financial has less favorable growth aspects than its peers.

Summary

TCF Financial peers beat TCF Financial on 10 of the 15 factors compared.

TCF Financial Company Profile

TCF Financial Corporation (TCF) is a bank holding company. The Company’s principal subsidiary is TCF National Bank (TCF Bank). The Company operates in three segments: Consumer Banking, Wholesale Banking and Enterprise Services. Consumer Banking comprises all of the Company’s consumer-facing businesses. The Consumer Banking segment includes retail banking, consumer real estate and auto finance. Wholesale Banking comprises commercial real estate and business lending, leasing and equipment finance and inventory finance. TCF’s consumer banking strategy is primarily to generate deposits to use for funding high credit quality secured loans and leases. Enterprise Services comprises corporate treasury, corporate functions and the Holding Company. As of December 31, 2016, the Company’s total securities available for sale were $1.4 billion. As of December 31, 2016, the Company’s total loans were $17.8 billion. As of December 31, 2016, the Company’s total deposits were $17.2 billion.

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