TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-D - CA88709BAE44
98.62 CAD
-0.88 (-0.88%)
TF-DB-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 26 industry peers in the Financial Services industry. There are concerns on the financial health of TF-DB-D while its profitability can be described as average. 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.
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.
TF-DB-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 2.17%, TF-DB-D perfoms like the industry average, outperforming 57.69% of the companies in the same industry.
With a Return On Equity value of 5.60%, TF-DB-D perfoms like the industry average, outperforming 46.15% of the companies in the same industry.
With a Return On Invested Capital value of 2.80%, TF-DB-D is not doing good in the industry: 65.38% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-D is below the industry average of 5.80%.
| 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
The Profit Margin of TF-DB-D (24.62%) 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 of 43.60%. This is in the better half of the industry: TF-DB-D outperforms 61.54% of its industry peers.
TF-DB-D's Operating Margin has declined in the last couple of years.
The Gross Margin of TF-DB-D (74.20%) is better than 88.46% of its industry peers.
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.
TF-DB-D has about the same amout of shares outstanding than it did 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
An Altman-Z score of 4.78 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
TF-DB-D has a Altman-Z score of 4.78. This is comparable to the rest of the industry: TF-DB-D outperforms 57.69% of its industry peers.
A Debt/Equity ratio of 1.55 is on the high side and indicates that TF-DB-D has dependencies on debt financing.
TF-DB-D has a Debt to Equity ratio of 1.55. This is in the lower half of the industry: TF-DB-D underperforms 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.78 |
ROIC/WACC0.39
WACC7.19%
2.3 Liquidity
A Current Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.10, TF-DB-D is doing worse than 69.23% 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.
With a Quick ratio value of 0.10, TF-DB-D is not doing good in the industry: 69.23% of the companies in the same industry are doing better.
| 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.
TF-DB-D shows a decrease in Revenue. In the last year, the revenue decreased by -8.53%.
Measured over the past years, TF-DB-D shows a small growth in Revenue. The Revenue has been growing by 4.88% on average per year.
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
TF-DB-D is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.96% yearly.
TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.76% yearly.
EPS Next Y7.91%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
EPS Next 5YN/A
Revenue Next Year1.86%
Revenue Next 2Y1.8%
Revenue Next 3Y1.76%
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
Based on the Price/Earnings ratio of 214.39, the valuation of TF-DB-D can be described as expensive.
Based on the Price/Earnings ratio, TF-DB-D is valued a bit more expensive than the industry average as 65.38% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.38, TF-DB-D is valued quite expensively.
Based on the Price/Forward Earnings ratio of 141.50, the valuation of TF-DB-D can be described as expensive.
TF-DB-D's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TF-DB-D is more expensive than 61.54% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.83. TF-DB-D is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 214.39 | ||
| Fwd PE | 141.5 |
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)27.12
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.04%, TF-DB-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.86, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 92.31% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, TF-DB-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.04% |
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
136.17% of the earnings are spent on dividend by TF-DB-D. This is not a sustainable payout ratio.
TF-DB-D's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
TSX:TF-DB-D (12/19/2025, 7:00:00 PM)
98.62
-0.88 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.97%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.16B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target118.5 (20.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.04% |
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)2.74%
PT rev (3m)9.66%
EPS NQ rev (1m)-3.08%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-6.51%
EPS NY rev (3m)-15.89%
Revenue NQ rev (1m)1.47%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-1.85%
Revenue NY rev (3m)-4.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 214.39 | ||
| Fwd PE | 141.5 | ||
| P/S | 52.91 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.04 | ||
| P/tB | 12.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.46
EY0.47%
EPS(NY)0.7
Fwd EY0.71%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)27.12
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 | 4.78 |
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 Y7.91%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
Revenue Next Year1.86%
Revenue Next 2Y1.8%
Revenue Next 3Y1.76%
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 98.62 CAD. The price decreased by -0.88% in the last trading session.
What is the ChartMill rating of TIMBERCREEK FINA stock?
TF-DB-D.CA has a ChartMill Technical rating of 1 out of 10 and a ChartMill Fundamental rating of 3 out of 10.