TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - TSX:TF-DB-D - CA88709BAE44
99.75 CAD
-0.25 (-0.25%)
Taking everything into account, TF-DB-D scores 3 out of 10 in our fundamental rating. TF-DB-D was compared to 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 has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
TF-DB-D had positive earnings in the past year.
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
The Return On Assets of TF-DB-D (2.38%) is comparable to the rest of the industry.
TF-DB-D has a Return On Equity of 6.37%. This is comparable to the rest of the industry: TF-DB-D outperforms 40.74% of its industry peers.
TF-DB-D's Return On Invested Capital of 2.93% is on the low side compared to the rest of the industry. TF-DB-D is outperformed by 66.67% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TF-DB-D is in line with the industry average of 5.03%.
| 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.
In the last couple of years the Profit Margin of TF-DB-D has declined.
TF-DB-D has a Operating Margin (47.36%) which is in line with its industry peers.
TF-DB-D's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 76.24%, TF-DB-D belongs to the top 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF-DB-D is destroying value.
TF-DB-D has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, TF-DB-D has less shares outstanding
TF-DB-D has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 4.47 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
TF-DB-D has a Altman-Z score (4.47) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.66 is on the high side and indicates that TF-DB-D has dependencies on debt financing.
TF-DB-D has a worse Debt to Equity ratio (1.66) than 62.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.47 |
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.
TF-DB-D has a Current ratio of 0.14. This is comparable to the rest of the industry: TF-DB-D outperforms 51.85% of its industry peers.
TF-DB-D has a Quick Ratio of 0.14. 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.
TF-DB-D has a Quick ratio of 0.14. This is comparable to the rest of the industry: TF-DB-D outperforms 51.85% of its industry peers.
| 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.
The Revenue for TF-DB-D has decreased by -10.40% in the past year. This is quite bad
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)-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
Based on estimates for the next years, TF-DB-D will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.88% on average per year.
TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.61% yearly.
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
TF-DB-D is valuated quite expensively with a Price/Earnings ratio of 188.21.
Compared to the rest of the industry, the Price/Earnings ratio of TF-DB-D indicates a slightly more expensive valuation: TF-DB-D is more expensive than 74.07% of the companies listed 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 26.11.
Based on the Price/Forward Earnings ratio of 134.98, the valuation of TF-DB-D can be described as expensive.
Based on the Price/Forward Earnings ratio, TF-DB-D is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
TF-DB-D's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 188.21 | ||
| Fwd PE | 134.98 |
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.
TF-DB-D's earnings are expected to grow with 14.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)6.99
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.16%, TF-DB-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.94, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 92.59% 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.16% |
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
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 2Y14.88%
EPS Next 3YN/A
TSX:TF-DB-D (10/30/2025, 7:00:00 PM)
99.75
-0.25 (-0.25%)
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)156.02M
Net Income(TTM)43.57M
Analysts80
Price Target115.35 (15.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.16% |
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)6.74%
PT rev (3m)13.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)3.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 188.21 | ||
| Fwd PE | 134.98 | ||
| P/S | 52.91 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.08 | ||
| P/tB | 12.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.53
EY0.53%
EPS(NY)0.74
Fwd EY0.74%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)6.99
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 | 4.47 |
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 Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-39.32%
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
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 99.75 CAD. The price decreased by -0.25% in the last trading session.
What is the ChartMill rating of TIMBERCREEK FINA stock?
TF-DB-D.CA has a ChartMill Technical rating of 6 out of 10 and a ChartMill Fundamental rating of 3 out of 10.