TCF Financial Annual Income Statement (NYSE:TCB)

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$14.45 $0.21 (1.43%) TCB stock closing price Oct 21, 2016 (Closing)

Looking at financial statements, along with the TCF Financial stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. The income statement for TCB which implies a YoY revenue growth of $26.43M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. One also needs to look at TCF Financial assets, operating expenses and TCF Financial free cash flow. The profit and loss statement shows revenue of $1.33B for 2015. Revenue has grown by $26.43M YoY for TCB stock. TCF Financial revenue for 2015 is $1.33B. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
TCF Financial Net Sales or Revenues
Cost Of Goods Sold (COGS)48.22M38.38M36.6M40.98M45.1M61.22M122.11M156.77M230.62M195.32M
TCF Financial Gross Profit
Research & Development Expense----------
Selling General & Admin Expense908.28M940.36M939.13M1.58B935.28M962.45M1B868.99M701.52M655.53M
Income Before Depreciation Depletion Amortization377.42M328.74M292.85M-250.55M401.98M484.17M357.97M437.06M577.32M524.73M
Depreciation Depletion Amortization39.4M27.15M24.5M25.37M30M37.1M22.36M17.45M17.58M14.34M
Non Operating Income----------
Interest Expense23.31M20.21M25.31M63.61M193.15M209.44M203.06M213.94M187.22M153.28M
TCF Financial Pretax Income
Provision for Income Taxes108.87M99.76M84.34M-132.85M64.44M87.76M45.85M76.7M105.71M112.16M
Minority Interest8.7M7.42M7.03M6.18M4.99M3.29M-0.41M---
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations197.12M181.61M151.66M-212.88M109.39M146.56M87.09M128.95M266.8M244.94M
Extraordinary Items & Discontinued Operations----------
TCF Financial Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS166.24M164.09M161.93M159.27M154.51M138.81M126.59M125.31M125.83M129.23M
Average Shares used to compute Basic EPS165.7M163.58M161.02M159.27M154.22M138.62M126.59M124.94M125.4M129.01M
Income Before Nonrecurring Items197.12M174.19M151.67M-192.28M109.39M146.56M87.1M120.24M233.67M244.94M
Income from Nonrecurring Items----20.6M---8.72M33.14M-
TCF Financial Earnings Per Share Basic Net
TCF Financial Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items1.070.940.82-1.240.711.050.540.941.861.90
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.
All figures in USD. M: Millions of USD, B: Billions of USD.

It is very helpful to read a report on TCF Financial stock analysis. An investor must check the following items in an income statement:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that TCB stock has a topline or revenue of $1.33B for 2015 as per this TCF Financial revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $1.33B - other expenses = $197.12M for TCB stock. An improving bottomline implies that the company is growing profits.
The income statement is also called statement of revenue and expense. The financials along with TCF Financial historical stock prices provides a lot of details about the firm. .

TCF Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield