TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - TSX:TF-DB-D - CA88709BAE44
99.52 CAD
-0.23 (-0.23%)
Overall TF-DB-D gets a fundamental rating of 3 out of 10. We evaluated TF-DB-D against 27 industry peers in the Financial Services industry. While TF-DB-D is still in line with the averages on profitability rating, there are concerns on its financial health. TF-DB-D is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year TF-DB-D was profitable.
In the past year TF-DB-D has reported a negative cash flow from operations.
TF-DB-D had positive earnings in each of the past 5 years.
Of the past 5 years TF-DB-D 4 years had a positive operating cash flow.
1.2 Ratios
TF-DB-D's Return On Assets of 2.38% is in line compared to the rest of the industry. TF-DB-D outperforms 55.56% of its industry peers.
With a Return On Equity value of 6.37%, TF-DB-D perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
With a Return On Invested Capital value of 2.93%, TF-DB-D is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for TF-DB-D is in line with the industry average of 5.55%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROIC | 2.93% |
ROA(3y)3.1%
ROA(5y)2.71%
ROE(3y)8.07%
ROE(5y)6.98%
ROIC(3y)3.56%
ROIC(5y)3.44%
1.3 Margins
TF-DB-D has a Profit Margin (27.93%) which is comparable to the rest of the industry.
TF-DB-D's Profit Margin has declined in the last couple of years.
The Operating Margin of TF-DB-D (47.36%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of TF-DB-D has declined.
With an excellent Gross Margin value of 76.24%, TF-DB-D belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
TF-DB-D's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% |
OM growth 3Y-10.36%
OM growth 5Y-6.93%
PM growth 3Y-6.9%
PM growth 5Y-7.84%
GM growth 3Y-1.7%
GM growth 5Y-1.17%
2. Health
2.1 Basic Checks
TF-DB-D has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for TF-DB-D remains at a similar level compared to 1 year ago.
The number of shares outstanding for TF-DB-D has been reduced compared to 5 years ago.
The debt/assets ratio for TF-DB-D has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.46 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
TF-DB-D's Altman-Z score of 4.46 is in line compared to the rest of the industry. TF-DB-D outperforms 51.85% of its industry peers.
TF-DB-D has a Debt/Equity ratio of 1.66. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.66, TF-DB-D is doing worse than 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.46 |
ROIC/WACC0.4
WACC7.28%
2.3 Liquidity
A Current Ratio of 0.14 indicates that TF-DB-D may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.14, TF-DB-D is in line with its industry, outperforming 48.15% of the companies in the same industry.
A Quick Ratio of 0.14 indicates that TF-DB-D may have some problems paying its short term obligations.
With a Quick ratio value of 0.14, TF-DB-D perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
The earnings per share for TF-DB-D have decreased strongly by -27.40% in the last year.
Measured over the past years, TF-DB-D shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.23% on average per year.
TF-DB-D shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.40%.
The Revenue has been growing slightly by 4.88% on average over the past years.
EPS 1Y (TTM)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-39.32%
3.2 Future
TF-DB-D is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.27% yearly.
TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.74% yearly.
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 187.77, TF-DB-D can be considered very expensive at the moment.
TF-DB-D's Price/Earnings ratio is a bit more expensive when compared to the industry. TF-DB-D is more expensive than 70.37% of the companies in the same industry.
TF-DB-D's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.28.
The Price/Forward Earnings ratio is 142.09, which means the current valuation is very expensive for TF-DB-D.
62.96% of the companies in the same industry are cheaper than TF-DB-D, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 33.61. TF-DB-D is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 187.77 | ||
| Fwd PE | 142.09 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)12.18
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y8.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.58%, TF-DB-D is a good candidate for dividend investing.
TF-DB-D's Dividend Yield is rather good when compared to the industry average which is at 6.86. TF-DB-D pays more dividend than 92.59% of the companies in the same industry.
TF-DB-D's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.58% |
5.2 History
The dividend of TF-DB-D has a limited annual growth rate of 1.26%.
TF-DB-D does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)1.26%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
TF-DB-D pays out 118.44% of its income as dividend. This is not a sustainable payout ratio.
The dividend of TF-DB-D is growing, but earnings are growing more, so the dividend growth is sustainable.
DP118.44%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
TSX:TF-DB-D (11/4/2025, 7:00:00 PM)
99.52
-0.23 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners3.2%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap8.24B
Revenue(TTM)156.02M
Net Income(TTM)43.57M
Analysts80
Price Target115.35 (15.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.58% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP118.44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5%
Min EPS beat(2)-14.33%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-25.12%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-14.33%
EPS beat(12)2
Avg EPS beat(12)-11.87%
EPS beat(16)3
Avg EPS beat(16)-9.67%
Revenue beat(2)1
Avg Revenue beat(2)-4.8%
Min Revenue beat(2)-12.45%
Max Revenue beat(2)2.85%
Revenue beat(4)2
Avg Revenue beat(4)-4.21%
Min Revenue beat(4)-12.45%
Max Revenue beat(4)4.6%
Revenue beat(8)6
Avg Revenue beat(8)21.13%
Revenue beat(12)10
Avg Revenue beat(12)26.14%
Revenue beat(16)14
Avg Revenue beat(16)24.33%
PT rev (1m)5.95%
PT rev (3m)8.02%
EPS NQ rev (1m)-23.94%
EPS NQ rev (3m)-23.94%
EPS NY rev (1m)-9.06%
EPS NY rev (3m)-5.88%
Revenue NQ rev (1m)-10.52%
Revenue NQ rev (3m)-11.8%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-5.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 187.77 | ||
| Fwd PE | 142.09 | ||
| P/S | 52.78 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.05 | ||
| P/tB | 12.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.53
EY0.53%
EPS(NY)0.7
Fwd EY0.7%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)12.18
PEG (5Y)N/A
Graham Number9.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROCE | 4.07% | ||
| ROIC | 2.93% | ||
| ROICexc | 2.93% | ||
| ROICexgc | 2.94% | ||
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% | ||
| FCFM | N/A |
ROA(3y)3.1%
ROA(5y)2.71%
ROE(3y)8.07%
ROE(5y)6.98%
ROIC(3y)3.56%
ROIC(5y)3.44%
ROICexc(3y)3.58%
ROICexc(5y)3.46%
ROICexgc(3y)3.6%
ROICexgc(5y)3.48%
ROCE(3y)4.95%
ROCE(5y)4.79%
ROICexgc growth 3Y0.03%
ROICexgc growth 5Y-1.67%
ROICexc growth 3Y0.02%
ROICexc growth 5Y-1.62%
OM growth 3Y-10.36%
OM growth 5Y-6.93%
PM growth 3Y-6.9%
PM growth 5Y-7.84%
GM growth 3Y-1.7%
GM growth 5Y-1.17%
F-Score3
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | 4.46 |
F-Score3
WACC7.28%
ROIC/WACC0.4
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-39.32%
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
Revenue Next 5YN/A
EBIT growth 1Y-21.66%
EBIT growth 3Y-0.09%
EBIT growth 5Y-2.39%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-201.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.88%
OCF growth 3YN/A
OCF growth 5YN/A
TIMBERCREEK FINA / TF-DB-D.CA FAQ
Can you describe the business of TIMBERCREEK FINA?
Timbercreek Financial Corp. is a non-investment fund. The company is headquartered in Toronto, Ontario and currently employs 0 full-time employees. The company went IPO on 2012-01-19. The firm focuses primarily on lending against income-producing real estate, such as multi-residential, retail and office properties. The investment objective of the Company is to secure and grow a diversified portfolio of mortgage and other loan investments, generating an attractive risk- adjusted return and monthly dividend payments to shareholders, balanced by a strong focus on capital preservation. The company fulfills a financing requirement that is not serviced by the commercial banks. The firm works with borrowers throughout the terms of their mortgages to ensure that their capital requirements are met and, if requested, considers modifications of or extensions to the terms of their mortgages to accommodate additional opportunities that may arise or changes that may occur.
Can you provide the latest stock price for TIMBERCREEK FINA?
The current stock price of TF-DB-D.CA is 99.52 CAD. The price decreased by -0.23% in the last trading session.
What is the ChartMill rating of TIMBERCREEK FINA stock?
TF-DB-D.CA has a ChartMill Technical rating of 5 out of 10 and a ChartMill Fundamental rating of 3 out of 10.