TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-D - CA88709BAE44
100 CAD
+0.5 (+0.5%)
Overall TF-DB-D gets a fundamental rating of 3 out of 10. We evaluated TF-DB-D 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 does not seem to be growing, but still is valued expensively.
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
The Return On Assets of TF-DB-D (2.17%) 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 46.15% of the companies in the same industry.
TF-DB-D's Return On Invested Capital of 2.80% is on the low side compared to the rest of the industry. TF-DB-D is outperformed by 65.38% of its industry peers.
The Average Return On Invested Capital over the past 3 years 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
Looking at the Profit Margin, with a value of 24.62%, TF-DB-D is in line with its industry, outperforming 57.69% of the companies in the same industry.
TF-DB-D's Profit Margin has declined in the last couple of years.
The Operating Margin of TF-DB-D (43.60%) is better than 61.54% of its industry peers.
In the last couple of years the Operating Margin of TF-DB-D has declined.
With an excellent Gross Margin value of 74.20%, TF-DB-D belongs to the best of the industry, outperforming 88.46% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF-DB-D is destroying value.
Compared to 1 year ago, TF-DB-D has about the same amount of shares outstanding.
TF-DB-D has less shares outstanding than it did 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 4.78. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
TF-DB-D's Altman-Z score of 4.78 is in line compared to the rest of the industry. TF-DB-D outperforms 53.85% of its industry peers.
TF-DB-D has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.55, TF-DB-D is doing worse than 61.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.78 |
ROIC/WACC0.39
WACC7.24%
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.
With a Current 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.
A Quick Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
TF-DB-D has a Quick ratio of 0.10. This is in the lower half of the industry: TF-DB-D underperforms 69.23% of its industry peers.
| 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
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.
Based on estimates for the next years, TF-DB-D will show a small growth in Revenue. The Revenue will grow by 1.76% on average per year.
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.
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
A Price/Earnings ratio of 217.39 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 65.38% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, TF-DB-D is valued quite expensively.
A Price/Forward Earnings ratio of 143.48 indicates a quite expensive valuation of TF-DB-D.
Based on the Price/Forward Earnings ratio, TF-DB-D is valued a bit more expensive than 61.54% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.23. TF-DB-D is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 217.39 | ||
| Fwd PE | 143.48 |
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)27.5
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
TF-DB-D has a Yearly Dividend Yield of 10.00%, which is a nice return.
TF-DB-D's Dividend Yield is rather good when compared to the industry average which is at 5.82. TF-DB-D pays more dividend than 92.31% 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 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10% |
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 136.17% 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.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
TSX:TF-DB-D (1/2/2026, 7:00:00 PM)
100
+0.5 (+0.5%)
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 Cap8.28B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target113.15 (13.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10% |
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)-1.91%
PT rev (3m)4.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-6.51%
EPS NY rev (3m)-14.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-1.85%
Revenue NY rev (3m)-4.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 217.39 | ||
| Fwd PE | 143.48 | ||
| P/S | 53.65 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.21 | ||
| P/tB | 12.21 | ||
| 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)27.5
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
WACC7.24%
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.
What is the current price of TF-DB-D stock?
The current stock price of TF-DB-D.CA is 100 CAD. The price increased by 0.5% 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.