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.
Waldorf, US
Size (employees)
171 (est)+3%
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 Metrics

The Community Financial Corporation Financial Metrics

Revenue (2016)

$51.4 m

Revenue growth (2015-16), %


Gross profit

$43.3 m

Gross profit margin (2016), %


Net income (2016)

$7.3 m

Market capitalization (21-Mar-2017)

$157.4 m

Closing share price (21-Mar-2017)


Cash (31-Dec-2016)

$9.9 m
The Community Financial Corporation's current market capitalization is $157.4 m.
The Community Financial Corporation's revenue was reported to be $51.4 m in 2016
FY, 2013FY, 2014FY, 2015Y, 2016


$39.7 m$41.8 m$43.9 m$51.4 m

Revenue growth, %


Cost of goods sold

$7.3 m$8.1 m

Gross profit

$36.5 m$43.3 m

Gross profit Margin, %


Operating expense total

$28.4 m$29.2 m


$35.1 m$37.5 m

EBIT margin, %


Pre tax profit

$10 m$11.7 m

Income tax expense

$3.6 m$4.4 m

Net Income

$6.7 m$6.5 m$6.3 m$7.3 m
FY, 2013FY, 2014FY, 2015FY, 2016


$11.4 m$17.3 m$9.1 m$9.9 m

Accounts Receivable

$3 m$3 m$3.2 m$4 m



$19.5 m$20.6 m$20.2 m$22.2 m

Total Assets

$1 b$1.1 b$1.1 b$1.3 b

Accounts Payable

Total Debt

$76.7 m$91.6 m$144.6 m

Additional Paid-in Capital

$45.9 m$46.4 m$46.8 m$47.4 m

Retained Earnings

$46.5 m$50.9 m$53.5 m$58.1 m

Total Equity

$110.7 m$116.6 m$99.8 m$104.4 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
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$6.7 m$6.5 m$6.3 m$7.3 m

Depreciation and Amortization

$1.3 m$1.3 m$1.4 m$1.5 m

Accounts Receivable


Accounts Payable

$1.8 m$1.4 m

Cash From Operating Activities

$8.5 m$10.6 m$12.5 m$12.9 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 m$52.7 m$51.9 m$182.3 m

Interest Paid

$7.6 m$6.7 m$6.8 m$8 m

Income Taxes Paid

$4.1 m$3.7 m$3.6 m$5.3 m

The Community Financial Corporation Market Value History

The Community Financial Corporation Online Presence

The Community Financial Corporation Company Life

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