The Community Financial Corporation

The story of Community Bank of the Chesapeake starts in 1950 with Mr. Leo Middleton. Along with other community leaders, he opened Tri-County Building and Loan in Waldorf, Maryland. But this young bank was more than a business venture. It was a way for Mr. Middleton to help his neighbors and community. Life after World War II had its challenges, and many working class families had a hard time getting the credit they needed to buy or build a home. At the Building and Loan, these families would sit down with Mr. Middleton and discuss their needs. Once terms were agreed upon, he’d pull out his ledger from the bottom drawer of his desk, recording the transactions in longhand. Technology has changed, one branch has become 12 and Tri-County Building and Loan is now called Community Bank of the Chesapeake. But the heart and soul of this institution has never changed. We’re here to be a resource and a support for our friends and neighbors in Southern Maryland and the Fredericksburg region. The communities we serve have come to expect personal service, financial solutions and warm, meaningful relationships. And we never get tired of exceeding those expectations. If you don’t yet know Community Bank of the Chesapeake, we hope you’ll get to know our products, our people and our passion for service.
Company Growth (employees)
Type
Public
HQ
Waldorf, US
Founded
1950
Size (employees)
162 (est)-5%
Website
cbtc.com
The Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, US

The Community Financial Corporation Office Locations

The Community Financial Corporation has an office in Waldorf
Waldorf, US (HQ)
3035 Leonardtown Rd

The Community Financial Corporation Data and Metrics

The Community Financial Corporation Financial Metrics

The Community Financial Corporation's revenue was reported to be $13.8 m in Q1, 2017
USD

Revenue (Q1, 2017)

13.8 m

Gross profit (Q1, 2017)

11.5 m

Gross profit margin (Q1, 2017), %

84%

Net income (Q1, 2017)

2.3 m

EBIT (Q1, 2017)

10.3 m

Market capitalization (17-Aug-2017)

155.6 m

Cash (31-Mar-2017)

9.3 m
The Community Financial Corporation's current market capitalization is $155.6 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

39.7 m41.8 m43.9 m51.4 m

Revenue growth, %

5%5%17%

Cost of goods sold

7.3 m8.1 m

Gross profit

36.5 m43.3 m

Gross profit Margin, %

83%84%

Operating expense total

28.4 m29.2 m

EBIT

35.1 m37.5 m

EBIT margin, %

80%73%

Pre tax profit

10 m11.7 m

Income tax expense

3.6 m4.4 m

Net Income

6.7 m6.5 m6.3 m7.3 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

11.9 m11.5 m12.2 m12.7 m13.1 m13.8 m

Cost of goods sold

1.9 m1.9 m1.9 m2 m2.1 m2.2 m

Gross profit

10 m9.6 m10.2 m10.7 m11 m11.5 m

Gross profit Margin, %

84%83%84%84%84%84%

Sales and marketing expense

183 k164 k63 k156 k290 k108 k

Operating expense total

183 k164 k63 k156 k290 k108 k

EBIT

8.6 m8.6 m9 m9.3 m9.4 m10.3 m

EBIT margin, %

73%75%74%73%72%75%

Pre tax profit

2.7 m2 m2.6 m2.8 m3 m3.8 m

Income tax expense

1 m735 k968 k1.1 m1 m1.4 m

Net Income

3.1 m4.9 m1.8 m1.7 m1.3 m1.6 m3.3 m5.3 m2.3 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

11.4 m17.3 m9.1 m9.9 m

Accounts Receivable

3 m3 m3.2 m1.3 m

PP&E

19.5 m20.6 m20.2 m22.2 m

Total Assets

1 b1.1 b1.1 b1.3 b

Accounts Payable

1 b

Total Debt

76.7 m91.6 m144.6 m

Total Liabilities

1.2 b

Additional Paid-in Capital

45.9 m46.4 m46.8 m47.4 m

Retained Earnings

46.5 m50.9 m53.5 m58.1 m

Total Equity

110.7 m116.6 m99.8 m104.4 m

Debt to Equity Ratio

0.7 x0.9 x1.4 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x

Financial Leverage

9.2 x9.3 x11.5 x12.8 x
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

10.9 m10.6 m10.5 m30 m12.3 m9.5 m8.9 m13 m9.3 m

Accounts Receivable

434 k326 k331 k7.6 m1.3 m482 k4 m1.4 m1.5 m

PP&E

19.7 m20.4 m21.3 m21.4 m19.7 m22.5 m22.8 m22.8 m22.2 m

Total Assets

1 b1 b1.1 b1.1 b1.1 b1.2 b1.2 b1.3 b1.4 b

Accounts Payable

818.5 m829.8 m854.5 m900.4 m882.3 m950.6 m993.5 m1 b1.1 b

Additional Paid-in Capital

46.2 m46.2 m46.6 m46.7 m46.8 m46.9 m47 m47.1 m47.5 m

Retained Earnings

48.5 m49.9 m52.2 m53.1 m53.8 m54.3 m55.6 m57.1 m60 m

Total Equity

113.2 m114.8 m98.3 m99.1 m100.1 m100.9 m102.4 m104 m106.6 m

Financial Leverage

9.1 x9.1 x11.1 x11.4 x11.1 x11.7 x12 x12.3 x12.7 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

6.7 m6.5 m6.3 m7.3 m

Depreciation and Amortization

1.3 m1.3 m1.4 m1.5 m

Accounts Payable

1.8 m1.4 m

Cash From Operating Activities

8.5 m10.6 m12.5 m12.9 m

Cash From Investing Activities

(31.2 m)(66.4 m)(74.6 m)(195.1 m)

Long-term Borrowings

(804 k)(19.1 m)(5.1 m)

Dividends Paid

(1.6 m)(2.1 m)(1.9 m)(1.8 m)

Cash From Financing Activities

36 m52.7 m51.9 m182.3 m

Interest Paid

7.6 m6.7 m6.8 m8 m

Income Taxes Paid

4.1 m3.7 m3.6 m5.3 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

3.1 m4.9 m1.8 m1.7 m1.3 m1.6 m3.3 m5.3 m2.3 m

Depreciation and Amortization

632 k954 k349 k699 k1.1 m354 k746 k1.1 m394 k

Accounts Payable

1.5 m1.4 m1.7 m

Cash From Operating Activities

4.7 m9.1 m4 m6.5 m9.3 m1.6 m4.6 m9.6 m3.8 m

Cash From Investing Activities

(25.4 m)(33.9 m)(16.4 m)(24.5 m)(38.5 m)(35 m)(90 m)(138.8 m)(25.2 m)

Long-term Borrowings

(790 k)(4 m)(4 m)(4 m)(5 m)(5 m)(5 m)(10 m)

Dividends Paid

(1 m)(1.5 m)(534 k)(995 k)(1.5 m)(453 k)(908 k)(1.4 m)(450 k)

Cash From Financing Activities

7.5 m13.3 m2.5 m38.6 m21.9 m32.4 m87.3 m132.4 m21 m

Interest Paid

3.4 m5.1 m1.5 m3 m5.3 m2.2 m3.9 m6.3 m2.6 m

Income Taxes Paid

2.1 m2.7 m50 k1.1 m2.5 m300 k2.2 m2.9 m300 k
USDY, 2017

Revenue/Employee

80.7 k

Financial Leverage

12.7 x

The Community Financial Corporation Market Value History

Traffic Overview of The Community Financial Corporation

The Community Financial Corporation Online and Social Media Presence

The Community Financial Corporation Company Life and Culture

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