TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Fundamental Analysis & Valuation

TSX:TF-DB-E • CA88709BAF19

Current stock price

98.77 CAD
-0.08 (-0.08%)
Last:

This TF-DB-E.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TF-DB-E.CA Profitability Analysis

1.1 Basic Checks

  • TF-DB-E had positive earnings in the past year.
  • In the past year TF-DB-E has reported a negative cash flow from operations.
  • In the past 5 years TF-DB-E has always been profitable.
  • In multiple years TF-DB-E reported negative operating cash flow during the last 5 years.
TF-DB-E.CA Yearly Net Income VS EBIT VS OCF VS FCFTF-DB-E.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M

1.2 Ratios

  • TF-DB-E has a Return On Assets (1.74%) which is comparable to the rest of the industry.
  • With a Return On Equity value of 5.20%, TF-DB-E is not doing good in the industry: 60.71% of the companies in the same industry are doing better.
  • Looking at the Return On Invested Capital, with a value of 2.60%, TF-DB-E is doing worse than 64.29% of the companies in the same industry.
  • TF-DB-E had an Average Return On Invested Capital over the past 3 years of 3.33%. This is below the industry average of 7.30%.
Industry RankSector Rank
ROA 1.74%
ROE 5.2%
ROIC 2.6%
ROA(3y)2.71%
ROA(5y)2.68%
ROE(3y)7.13%
ROE(5y)7.09%
ROIC(3y)3.33%
ROIC(5y)3.29%
TF-DB-E.CA Yearly ROA, ROE, ROICTF-DB-E.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • TF-DB-E has a Profit Margin of 22.70%. This is comparable to the rest of the industry: TF-DB-E outperforms 57.14% of its industry peers.
  • In the last couple of years the Profit Margin of TF-DB-E has declined.
  • Looking at the Operating Margin, with a value of 46.91%, TF-DB-E is in the better half of the industry, outperforming 67.86% of the companies in the same industry.
  • In the last couple of years the Operating Margin of TF-DB-E has declined.
  • TF-DB-E has a better Gross Margin (71.04%) than 82.14% of its industry peers.
  • In the last couple of years the Gross Margin of TF-DB-E has declined.
Industry RankSector Rank
OM 46.91%
PM (TTM) 22.7%
GM 71.04%
OM growth 3Y-7.13%
OM growth 5Y-5.78%
PM growth 3Y-15.48%
PM growth 5Y-2.27%
GM growth 3Y-1.48%
GM growth 5Y-1.86%
TF-DB-E.CA Yearly Profit, Operating, Gross MarginsTF-DB-E.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. TF-DB-E.CA Health Analysis

2.1 Basic Checks

  • TF-DB-E has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, TF-DB-E has less shares outstanding
  • Compared to 5 years ago, TF-DB-E has more shares outstanding
  • Compared to 1 year ago, TF-DB-E has a worse debt to assets ratio.
TF-DB-E.CA Yearly Shares OutstandingTF-DB-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
TF-DB-E.CA Yearly Total Debt VS Total AssetsTF-DB-E.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • An Altman-Z score of 3.85 indicates that TF-DB-E is not in any danger for bankruptcy at the moment.
  • TF-DB-E's Altman-Z score of 3.85 is in line compared to the rest of the industry. TF-DB-E outperforms 53.57% of its industry peers.
  • TF-DB-E has a Debt/Equity ratio of 1.97. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of TF-DB-E (1.97) is worse than 64.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Altman-Z 3.85
ROIC/WACC0.35
WACC7.47%
TF-DB-E.CA Yearly LT Debt VS Equity VS FCFTF-DB-E.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

2.3 Liquidity

  • A Current Ratio of 0.50 indicates that TF-DB-E may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.50, TF-DB-E is doing worse than 71.43% of the companies in the same industry.
  • TF-DB-E has a Quick Ratio of 0.50. This is a bad value and indicates that TF-DB-E is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of TF-DB-E (0.50) is worse than 71.43% of its industry peers.
Industry RankSector Rank
Current Ratio 0.5
Quick Ratio 0.5
TF-DB-E.CA Yearly Current Assets VS Current LiabilitesTF-DB-E.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. TF-DB-E.CA Growth Analysis

3.1 Past

  • TF-DB-E shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.00%.
  • The Earnings Per Share has been decreasing by -7.79% on average over the past years.
  • Looking at the last year, TF-DB-E shows a decrease in Revenue. The Revenue has decreased by -5.97% in the last year.
  • The Revenue has been growing slightly by 3.84% on average over the past years.
EPS 1Y (TTM)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
Revenue 1Y (TTM)-5.97%
Revenue growth 3Y0.7%
Revenue growth 5Y3.84%
Sales Q2Q%-24.73%

3.2 Future

  • TF-DB-E is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.90% yearly.
  • The Revenue is expected to grow by 3.50% on average over the next years.
EPS Next Y59.4%
EPS Next 2Y28.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.4%
Revenue Next 2Y3.5%
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.
TF-DB-E.CA Yearly Revenue VS EstimatesTF-DB-E.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
TF-DB-E.CA Yearly EPS VS EstimatesTF-DB-E.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8

More info and screens

Find the best growth stocksShow best growing peers

1

4. TF-DB-E.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 235.17, which means the current valuation is very expensive for TF-DB-E.
  • Compared to the rest of the industry, the Price/Earnings ratio of TF-DB-E is on the same level as its industry peers.
  • TF-DB-E is valuated expensively when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 147.53, the valuation of TF-DB-E can be described as expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-E is on the same level as its industry peers.
  • TF-DB-E is valuated expensively when we compare the Price/Forward Earnings ratio to 22.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 235.17
Fwd PE 147.53
TF-DB-E.CA Price Earnings VS Forward Price EarningsTF-DB-E.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TF-DB-E.CA Per share dataTF-DB-E.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TF-DB-E does not grow enough to justify the current Price/Earnings ratio.
  • A more expensive valuation may be justified as TF-DB-E's earnings are expected to grow with 28.90% in the coming years.
PEG (NY)3.96
PEG (5Y)N/A
EPS Next 2Y28.9%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. TF-DB-E.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 10.15%, TF-DB-E is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.71, TF-DB-E pays a better dividend. On top of this TF-DB-E pays more dividend than 89.29% of the companies listed in the same industry.
  • TF-DB-E's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 10.15%

5.2 History

  • The dividend of TF-DB-E decreases each year by -0.25%.
  • TF-DB-E does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-0.25%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 150.19% of the earnings are spent on dividend by TF-DB-E. This is not a sustainable payout ratio.
DP150.19%
EPS Next 2Y28.9%
EPS Next 3YN/A
TF-DB-E.CA Yearly Income VS Free CF VS DividendTF-DB-E.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M
TF-DB-E.CA Dividend Payout.TF-DB-E.CA Dividend Payout, showing the Payout Ratio.TF-DB-E.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

TF-DB-E.CA Fundamentals: All Metrics, Ratios and Statistics

TIMBERCREEK FINANCIAL CO

TSX:TF-DB-E (4/24/2026, 7:00:00 PM)

98.77

-0.08 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners2.64%
Inst Owner ChangeN/A
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap8.17B
Revenue(TTM)151.76M
Net Income(TTM)34.45M
Analysts78.33
Price Target109.9 (11.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.15%
Yearly Dividend0.62
Dividend Growth(5Y)-0.25%
DP150.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-75.73%
Min EPS beat(2)-106.16%
Max EPS beat(2)-45.3%
EPS beat(4)1
Avg EPS beat(4)-40.37%
Min EPS beat(4)-106.16%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-32.53%
EPS beat(12)2
Avg EPS beat(12)-22.46%
EPS beat(16)3
Avg EPS beat(16)-18.58%
Revenue beat(2)0
Avg Revenue beat(2)-16.54%
Min Revenue beat(2)-19.81%
Max Revenue beat(2)-13.27%
Revenue beat(4)1
Avg Revenue beat(4)-10.67%
Min Revenue beat(4)-19.81%
Max Revenue beat(4)2.85%
Revenue beat(8)4
Avg Revenue beat(8)5.3%
Revenue beat(12)8
Avg Revenue beat(12)17.52%
Revenue beat(16)12
Avg Revenue beat(16)20.46%
PT rev (1m)2.21%
PT rev (3m)-0.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.05%
EPS NY rev (1m)4.28%
EPS NY rev (3m)-3.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)2.17%
Revenue NY rev (3m)3.59%
Valuation
Industry RankSector Rank
PE 235.17
Fwd PE 147.53
P/S 53.85
P/FCF N/A
P/OCF N/A
P/B 12.34
P/tB 12.34
EV/EBITDA N/A
EPS(TTM)0.42
EY0.43%
EPS(NY)0.67
Fwd EY0.68%
FCF(TTM)-1.31
FCFYN/A
OCF(TTM)-1.31
OCFYN/A
SpS1.83
BVpS8
TBVpS8
PEG (NY)3.96
PEG (5Y)N/A
Graham Number8.69649 (-91.2%)
Profitability
Industry RankSector Rank
ROA 1.74%
ROE 5.2%
ROCE 3.62%
ROIC 2.6%
ROICexc 2.61%
ROICexgc 2.62%
OM 46.91%
PM (TTM) 22.7%
GM 71.04%
FCFM N/A
ROA(3y)2.71%
ROA(5y)2.68%
ROE(3y)7.13%
ROE(5y)7.09%
ROIC(3y)3.33%
ROIC(5y)3.29%
ROICexc(3y)3.35%
ROICexc(5y)3.3%
ROICexgc(3y)3.37%
ROICexgc(5y)3.32%
ROCE(3y)4.63%
ROCE(5y)4.58%
ROICexgc growth 3Y-7.54%
ROICexgc growth 5Y-5.04%
ROICexc growth 3Y-7.52%
ROICexc growth 5Y-4.94%
OM growth 3Y-7.13%
OM growth 5Y-5.78%
PM growth 3Y-15.48%
PM growth 5Y-2.27%
GM growth 3Y-1.48%
GM growth 5Y-1.86%
F-Score2
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.41
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.5
Quick Ratio 0.5
Altman-Z 3.85
F-Score2
WACC7.47%
ROIC/WACC0.35
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)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
EPS Next Y59.4%
EPS Next 2Y28.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.97%
Revenue growth 3Y0.7%
Revenue growth 5Y3.84%
Sales Q2Q%-24.73%
Revenue Next Year5.4%
Revenue Next 2Y3.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.47%
EBIT growth 3Y-6.49%
EBIT growth 5Y-2.16%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-57.06%
OCF growth 3YN/A
OCF growth 5YN/A

TIMBERCREEK FINANCIAL CO / TF-DB-E.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TIMBERCREEK FINANCIAL CO?

ChartMill assigns a fundamental rating of 3 / 10 to TF-DB-E.CA.


Can you provide the valuation status for TIMBERCREEK FINANCIAL CO?

ChartMill assigns a valuation rating of 1 / 10 to TIMBERCREEK FINANCIAL CO (TF-DB-E.CA). This can be considered as Overvalued.


What is the profitability of TF-DB-E stock?

TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) has a profitability rating of 3 / 10.


What is the financial health of TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) stock?

The financial health rating of TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) is 2 / 10.


Can you provide the dividend sustainability for TF-DB-E stock?

The dividend rating of TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) is 4 / 10 and the dividend payout ratio is 150.19%.