TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-D - CA88709BAE44
99.75 CAD
+0.01 (+0.01%)
We assign a fundamental rating of 3 out of 10 to TF-DB-D. TF-DB-D was compared to 28 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
TF-DB-D had positive earnings in the past year.
TF-DB-D had a negative operating cash flow in the past year.
TF-DB-D had positive earnings in each of the past 5 years.
TF-DB-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TF-DB-D has a Return On Assets (2.17%) which is comparable to the rest of the industry.
With a Return On Equity value of 5.60%, TF-DB-D perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.80%, TF-DB-D is doing worse than 67.86% of the companies in the same industry.
TF-DB-D had an Average Return On Invested Capital over the past 3 years of 3.56%. This is below the industry average of 5.58%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.17% | ||
| ROE | 5.6% | ||
| ROIC | 2.8% |
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
Looking at the Profit Margin, with a value of 24.62%, TF-DB-D is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Profit Margin of TF-DB-D has declined.
TF-DB-D's Operating Margin of 43.60% is in line compared to the rest of the industry. TF-DB-D outperforms 57.14% of its industry peers.
TF-DB-D's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 74.20%, TF-DB-D belongs to the best of the industry, outperforming 89.29% 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 | 43.6% | ||
| PM (TTM) | 24.62% | ||
| GM | 74.2% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF-DB-D 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.
Compared to 1 year ago, TF-DB-D has an improved debt to assets ratio.
2.2 Solvency
TF-DB-D has an Altman-Z score of 4.79. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
TF-DB-D has a Altman-Z score (4.79) which is comparable to the rest of the industry.
TF-DB-D has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
TF-DB-D's Debt to Equity ratio of 1.55 is on the low side compared to the rest of the industry. TF-DB-D is outperformed by 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.79 |
ROIC/WACC0.39
WACC7.19%
2.3 Liquidity
TF-DB-D has a Current Ratio of 0.10. This is a bad value and indicates that TF-DB-D is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.10, TF-DB-D is doing worse than 64.29% of the companies in the same industry.
TF-DB-D has a Quick Ratio of 0.10. This is a bad value and indicates that TF-DB-D is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.10, TF-DB-D is doing worse than 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
The earnings per share for TF-DB-D have decreased strongly by -35.21% in the last year.
The Earnings Per Share has been decreasing by -3.23% on average over the past years.
The Revenue has decreased by -8.53% in the past year.
TF-DB-D shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
EPS 1Y (TTM)-35.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-41.18%
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
3.2 Future
The Earnings Per Share is expected to grow by 8.27% on average over the next years. This is quite good.
The Revenue is expected to grow by 0.74% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 216.85 indicates a quite expensive valuation of TF-DB-D.
Based on the Price/Earnings ratio, TF-DB-D is valued a bit more expensive than 71.43% 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 25.98.
A Price/Forward Earnings ratio of 142.42 indicates a quite expensive valuation of TF-DB-D.
64.29% of the companies in the same industry are cheaper than TF-DB-D, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.79, TF-DB-D is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 216.85 | ||
| Fwd PE | 142.42 |
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 TF-DB-D does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)14.07
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y8.27%
5. Dividend
5.1 Amount
TF-DB-D has a Yearly Dividend Yield of 10.44%, which is a nice return.
Compared to an average industry Dividend Yield of 6.89, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 92.86% of the companies listed in the same industry.
TF-DB-D's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.44% |
5.2 History
The dividend of TF-DB-D has a limited annual growth rate of 1.26%.
TF-DB-D is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)1.26%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
136.17% of the earnings are spent on dividend by TF-DB-D. 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.
DP136.17%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
TSX:TF-DB-D (11/24/2025, 7:00:00 PM)
99.75
+0.01 (+0.01%)
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 Cap8.25B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target115.35 (15.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.44% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP136.17%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-29.82%
Min EPS beat(2)-45.3%
Max EPS beat(2)-14.33%
EPS beat(4)1
Avg EPS beat(4)-34.37%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-19.62%
EPS beat(12)2
Avg EPS beat(12)-14.95%
EPS beat(16)3
Avg EPS beat(16)-11.98%
Revenue beat(2)0
Avg Revenue beat(2)-12.86%
Min Revenue beat(2)-13.27%
Max Revenue beat(2)-12.45%
Revenue beat(4)2
Avg Revenue beat(4)-4.57%
Min Revenue beat(4)-13.27%
Max Revenue beat(4)4.6%
Revenue beat(8)5
Avg Revenue beat(8)14.71%
Revenue beat(12)9
Avg Revenue beat(12)21.8%
Revenue beat(16)13
Avg Revenue beat(16)22.71%
PT rev (1m)5.95%
PT rev (3m)8.44%
EPS NQ rev (1m)-8.7%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-9.06%
EPS NY rev (3m)-10.04%
Revenue NQ rev (1m)-12.38%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-4.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 216.85 | ||
| Fwd PE | 142.42 | ||
| P/S | 53.51 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.18 | ||
| P/tB | 12.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.46
EY0.46%
EPS(NY)0.7
Fwd EY0.7%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)14.07
PEG (5Y)N/A
Graham Number9.21
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.17% | ||
| ROE | 5.6% | ||
| ROCE | 3.89% | ||
| ROIC | 2.8% | ||
| ROICexc | 2.8% | ||
| ROICexgc | 2.81% | ||
| OM | 43.6% | ||
| PM (TTM) | 24.62% | ||
| GM | 74.2% | ||
| 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 | 1.55 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.02 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 | ||
| Altman-Z | 4.79 |
F-Score3
WACC7.19%
ROIC/WACC0.39
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)-35.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-41.18%
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
Revenue Next 5YN/A
EBIT growth 1Y-25.8%
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-140.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-139.93%
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 99.75 CAD. The price increased by 0.01% in the last trading session.
What is the ChartMill rating of TIMBERCREEK FINA stock?
TF-DB-D.CA has a ChartMill Technical rating of 4 out of 10 and a ChartMill Fundamental rating of 3 out of 10.