TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-D - CA88709BAE44
100.02 CAD
-0.96 (-0.95%)
TF-DB-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 has a expensive valuation and it also scores bad on growth.
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.
- Each year in the past 5 years TF-DB-D has been profitable.
- 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 of 2.17%. This is comparable to the rest of the industry: TF-DB-D outperforms 53.57% of its industry peers.
- 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.
- 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 64.29% of its industry peers.
- 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 7.35%.
| 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
- With a Profit Margin value of 24.62%, TF-DB-D perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
- TF-DB-D's Profit Margin has declined in the last couple of years.
- TF-DB-D's Operating Margin of 43.60% is fine compared to the rest of the industry. TF-DB-D outperforms 60.71% of its industry peers.
- In the last couple of years the Operating Margin of TF-DB-D has declined.
- TF-DB-D has a Gross Margin of 74.20%. This is amongst the best in the industry. TF-DB-D outperforms 89.29% of its industry peers.
- In the last couple of years the Gross Margin of TF-DB-D has remained more or less at the same level.
| 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.
- 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 4.81 indicates that TF-DB-D is not in any danger for bankruptcy at the moment.
- TF-DB-D has a Altman-Z score of 4.81. This is in the better half of the industry: TF-DB-D outperforms 60.71% 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.
- TF-DB-D has a Debt to Equity ratio (1.55) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.81 |
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.
- TF-DB-D has a worse Current ratio (0.10) than 67.86% of its industry peers.
- 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.
- TF-DB-D has a worse Quick ratio (0.10) than 67.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
- TF-DB-D shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.21%.
- 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 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
- The Earnings Per Share is expected to grow by 8.96% on average over the next years. This is quite good.
- 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
- 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
- Based on the Price/Earnings ratio of 217.43, the valuation of TF-DB-D can be described as expensive.
- 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 67.86% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. TF-DB-D is valued rather expensively when compared to this.
- Based on the Price/Forward Earnings ratio of 143.51, the valuation of TF-DB-D can be described as expensive.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-D indicates a slightly more expensive valuation: TF-DB-D is more expensive than 64.29% of the companies listed in the same industry.
- TF-DB-D is valuated expensively when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 217.43 | ||
| Fwd PE | 143.51 |
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)27.5
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.65%, TF-DB-D is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 6.35, 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.65% |
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.
- 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 (1/15/2026, 7:00:00 PM)
100.02
-0.96 (-0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-23 2026-02-23
Inst Owners2.86%
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 Target111.93 (11.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.65% |
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)-4.52%
PT rev (3m)3.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)0%
EPS NY rev (3m)-14.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 217.43 | ||
| Fwd PE | 143.51 | ||
| P/S | 53.66 | ||
| 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 | 4.81 |
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 100.02 CAD. The price decreased by -0.95% 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.