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Profile - Community Financial Corp. (NasdaqSC:CFFC)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider
Recent Events
Aug 31Price hit new 52-week high ($10.90)
Aug 22Dividend payment of $0.08
Location
38 North Central Avenue
Staunton, VA 24401
Phone: (540) 886-0796
Fax: (540) 885-0643
Email: cbnk@cbnk.com
Employees (last reported count): 115
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 17%
·Over the last 6 months:
 · 2 insider buys; 1,000  shares (0.3% of insider shares)
·Institutional: 1% (1% of float)
(3 institutions)
·Net Inst. Selling: 14.0K shares (+102.18%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Community Financial Corporation owns Community Bank, which owns Community First Mortgage Corporation (Community First), a wholly owned mortgage banking subsidiary that originates and sells mortgage loans. Community First originates fixed rate mortgage loans to sell to third party investors to generate fee income and gains on the sale of mortgage loans. For the year ended March 31, 2001, the Company's mortgage banking subsidiary originated $59.8 million in fixed rate mortgage loans for resell. The Company concentrates its lending activities on first mortgage conventional loans secured by residential and, to a lesser extent, commercial real estate with an emphasis on multi-family housing.
More from Market Guide: Expanded Business Description

Financial Summary
CFFC is a bank holding company for Community Federal Savings Bank, operating in Virginia. For the three months ended 6/30/01, total interest income rose 12% to $5.2 million. Net interest income after loan loss provision rose 28% to $2.4 million. Net income rose 65% to $722 thousand. Net interest income reflects higher average loan and securities balances, along with decreased interest paid on borrowings. Earnings benefitted from increased service charges and fees.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2001 Pay

James Cooke, Jr., 63
Chairman
--  
P. Douglas Richard, 57
Pres, CEO, Director
$133K
Jane Hickok, 64
Vice Chairman, Sec.
--  
R. Jerry Giles, 52
CFO
--  
Norman Smiley, III, 39
CLO
--  
Dollar amounts are as of 31-Mar-2001 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:CFFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 4-Dec-2000
$8.00 
Recent Price$10.58 
52-Week High
on 31-Aug-2001
$10.90 
Beta0.10 
Daily Volume (3-month avg)1,636 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+25.4%
52-Week Change
relative to S&P500
+68.2%
Share-Related Items
Market Capitalization$24.3M
Shares Outstanding2.30M
Float1.90M
Dividends & Splits
Annual Dividend (indicated)$0.32 
Dividend Yield3.02%
Last Split: 2 for 1 on 26-Mar-1998
Per-Share Data
Book Value (mrq)$11.26 
Earnings (ttm)$0.85 
Earnings (mrq)$0.31 
Sales (ttm)$8.60 
Cash (mrq)$2.29 
Valuation Ratios
Price/Book (mrq)0.94 
Price/Earnings (ttm)12.39 
Price/Sales (ttm)1.23 
Income Statements
Sales (ttm)$20.6M
EBITDAN/A 
Income available to common (ttm)$2.03M
Profitability
Profit Margin (ttm)9.9%
Operating Margin (ttm)40.5%
Fiscal Year
Fiscal Year EndsMar 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.77%
Return on Equity (ttm)7.91%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$5.26M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume2,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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