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

TSX:TF-DB-E • CA88709BAF19

Current stock price

98.15 CAD
+0.15 (+0.15%)
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.

4

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 better Return On Assets (1.74%) than 62.07% of its industry peers.
  • TF-DB-E has a Return On Equity (5.20%) which is in line with its industry peers.
  • TF-DB-E has a Return On Invested Capital of 2.60%. This is in the lower half of the industry: TF-DB-E underperforms 62.07% of its industry peers.
  • 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 7.43%.
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

  • With a decent Profit Margin value of 22.70%, TF-DB-E is doing good in the industry, outperforming 62.07% of the companies in the same industry.
  • In the last couple of years the Profit Margin of TF-DB-E has declined.
  • TF-DB-E has a better Operating Margin (46.91%) than 68.97% of its industry peers.
  • In the last couple of years the Operating Margin of TF-DB-E has declined.
  • The Gross Margin of TF-DB-E (71.04%) is better than 82.76% of its industry peers.
  • TF-DB-E's Gross Margin has declined in the last couple of years.
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

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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.
  • TF-DB-E has less shares outstanding than it did 1 year ago.
  • 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 3.83 indicates that TF-DB-E is not in any danger for bankruptcy at the moment.
  • TF-DB-E has a Altman-Z score of 3.83. This is comparable to the rest of the industry: TF-DB-E outperforms 55.17% 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.
  • TF-DB-E has a worse Debt to Equity ratio (1.97) than 62.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Altman-Z 3.83
ROIC/WACC0.36
WACC7.33%
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.
  • TF-DB-E's Current ratio of 0.50 is on the low side compared to the rest of the industry. TF-DB-E is outperformed by 68.97% of its industry peers.
  • A Quick Ratio of 0.50 indicates that TF-DB-E may have some problems paying its short term obligations.
  • The Quick ratio of TF-DB-E (0.50) is worse than 68.97% 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

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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%.
  • TF-DB-E shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.79% yearly.
  • Looking at the last year, TF-DB-E shows a decrease in Revenue. The Revenue has decreased by -5.97% in the last year.
  • Measured over the past years, TF-DB-E shows a small growth in Revenue. The Revenue has been growing by 3.84% on average per year.
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

  • Based on estimates for the next years, TF-DB-E will show a very strong growth in Earnings Per Share. The EPS will grow by 26.90% on average per year.
  • TF-DB-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.50% yearly.
EPS Next Y52.86%
EPS Next 2Y26.9%
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

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1

4. TF-DB-E.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 233.69, the valuation of TF-DB-E can be described as expensive.
  • The rest of the industry has a similar Price/Earnings ratio as TF-DB-E.
  • TF-DB-E is valuated expensively when we compare the Price/Earnings ratio to 26.17, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 152.87, TF-DB-E can be considered very expensive at the moment.
  • TF-DB-E's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of TF-DB-E to the average of the S&P500 Index (23.05), we can say TF-DB-E is valued expensively.
Industry RankSector Rank
PE 233.69
Fwd PE 152.87
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 an expensive valuation of the company.
  • TF-DB-E's earnings are expected to grow with 26.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.42
PEG (5Y)N/A
EPS Next 2Y26.9%
EPS Next 3YN/A

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

4

5. TF-DB-E.CA Dividend Analysis

5.1 Amount

  • TF-DB-E has a Yearly Dividend Yield of 10.34%, which is a nice return.
  • TF-DB-E's Dividend Yield is rather good when compared to the industry average which is at 5.46. TF-DB-E pays more dividend than 89.66% of the companies in the same industry.
  • TF-DB-E's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 10.34%

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 2Y26.9%
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

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

TIMBERCREEK FINANCIAL CO

TSX:TF-DB-E (3/31/2026, 7:00:00 PM)

98.15

+0.15 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners2.67%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.12B
Revenue(TTM)151.76M
Net Income(TTM)34.45M
Analysts78.33
Price Target107.53 (9.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.34%
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)0%
PT rev (3m)-4.57%
EPS NQ rev (1m)-0.53%
EPS NQ rev (3m)-5.05%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.88%
Revenue NQ rev (1m)1.36%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)2.17%
Revenue NY rev (3m)3.59%
Valuation
Industry RankSector Rank
PE 233.69
Fwd PE 152.87
P/S 53.52
P/FCF N/A
P/OCF N/A
P/B 12.26
P/tB 12.26
EV/EBITDA N/A
EPS(TTM)0.42
EY0.43%
EPS(NY)0.64
Fwd EY0.65%
FCF(TTM)-1.31
FCFYN/A
OCF(TTM)-1.31
OCFYN/A
SpS1.83
BVpS8
TBVpS8
PEG (NY)4.42
PEG (5Y)N/A
Graham Number8.7
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 3.83
F-Score2
WACC7.33%
ROIC/WACC0.36
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 Y52.86%
EPS Next 2Y26.9%
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 4 / 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%.