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CIK 814184

TCF FINANCIAL CORPORATION
CIK 0000814184 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
59.2
composite ยท 2 signals ยท TRIGGERED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-12 ยท FY 2018-12-31 ยท TRIGGERED64.6

Restatement predictor

F-Score 1.94 โ€” misstatement risk 1.9x the base rate
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2019-02-26) โ†—
Evidence โ€” inputs and thresholds
{
  "f_score": 1.938,
  "probability": 0.00717,
  "components": {
    "rsst": -0.0108,
    "drec": null,
    "dinv": null,
    "soft": 0.982,
    "dcs": null,
    "droa": 0.0012,
    "issue": 1
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2018-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/814184/000081418419000021/0000814184-19-000021-index.htm",
    "form": "10-K",
    "filed": "2019-02-26"
  }
}
P-05 ยท FY 2018-12-31 ยท CLEAN37.8

Tax arbitrage

ETR 21.4% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2019-02-26) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2018-12-31": 0.2143,
    "2017-12-31": -0.1372,
    "2016-12-31": 0.3445
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2018-12-31": -0.0043,
    "2017-12-31": 0.3472,
    "2016-12-31": -0.1345
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2018-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/814184/000081418419000021/0000814184-19-000021-index.htm",
    "form": "10-K",
    "filed": "2019-02-26"
  }
}