TIMBERCREEK FINANCIAL CO(TSX:TF-DB-E) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to TF-DB-E. TF-DB-E was compared to 32 industry peers in the Financial Services industry. TF-DB-E may be in some trouble as it scores bad on both profitability and health. TF-DB-E is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

TF-DB-E had positive earnings in the past year.

TF-DB-E had a negative operating cash flow in the past year.

Each year in the past 5 years TF-DB-E has been profitable.

TF-DB-E had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of TF-DB-E (2.66%) is comparable to the rest of the industry.

With a Return On Equity value of 6.72%, TF-DB-E is not doing good in the industry: 62.50% of the companies in the same industry are doing better.

TF-DB-E has a Return On Invested Capital of 3.16%. This is in the lower half of the industry: TF-DB-E underperforms 75.00% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-E is below the industry average of 5.84%.

		Industry Rank	Sector Rank
ROA	2.66%
ROE	6.72%
ROIC	3.16%

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

TF-DB-E has a Profit Margin of 28.60%. This is comparable to the rest of the industry: TF-DB-E outperforms 56.25% of its industry peers.

TF-DB-E's Profit Margin has declined in the last couple of years.

The Operating Margin of TF-DB-E (46.66%) is comparable to the rest of the industry.

In the last couple of years the Operating Margin of TF-DB-E has declined.

TF-DB-E has a Gross Margin of 75.44%. This is amongst the best in the industry. TF-DB-E outperforms 93.75% of its industry peers.

In the last couple of years the Gross Margin of TF-DB-E has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	46.66%
PM (TTM)	28.6%
GM	75.44%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF-DB-E is destroying value.

The number of shares outstanding for TF-DB-E remains at a similar level compared to 1 year ago.

Compared to 5 years ago, TF-DB-E has less shares outstanding

The debt/assets ratio for TF-DB-E has been reduced compared to a year ago.

2.2 Solvency

TF-DB-E has an Altman-Z score of 4.77. This indicates that TF-DB-E is financially healthy and has little risk of bankruptcy at the moment.

Looking at the Altman-Z score, with a value of 4.77, TF-DB-E is in line with its industry, outperforming 50.00% of the companies in the same industry.

TF-DB-E has a Debt/Equity ratio of 1.40. This is a high value indicating a heavy dependency on external financing.

TF-DB-E has a Debt to Equity ratio (1.40) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Altman-Z	4.77

ROIC/WACC0.23

WACC13.52%

2.3 Liquidity

A Current Ratio of 0.77 indicates that TF-DB-E may have some problems paying its short term obligations.

TF-DB-E has a Current ratio of 0.77. This is comparable to the rest of the industry: TF-DB-E outperforms 56.25% of its industry peers.

TF-DB-E has a Quick Ratio of 0.77. 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.

Looking at the Quick ratio, with a value of 0.77, TF-DB-E is in line with its industry, outperforming 56.25% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.77
Quick Ratio	0.77

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for TF-DB-E have decreased strongly by -23.54% in the last year.

Measured over the past years, TF-DB-E shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.16% on average per year.

Looking at the last year, TF-DB-E shows a very negative growth in Revenue. The Revenue has decreased by -10.81% in the last year.

Measured over the past years, TF-DB-E shows a small growth in Revenue. The Revenue has been growing by 4.88% on average per year.

EPS 1Y (TTM)-23.54%

EPS 3Y3.06%

EPS 5Y-2.16%

EPS Q2Q%-86.67%

Revenue 1Y (TTM)-10.81%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%-15.29%

3.2 Future

The Earnings Per Share is expected to grow by 2.12% on average over the next years.

The Revenue is expected to grow by 7.33% on average over the next years.

EPS Next Y-1.43%

EPS Next 2Y2.12%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.11%

Revenue Next 2Y7.33%

Revenue Next 3YN/A

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 189.02, the valuation of TF-DB-E can be described as expensive.

TF-DB-E's Price/Earnings ratio is a bit more expensive when compared to the industry. TF-DB-E is more expensive than 62.50% of the companies in the same industry.

When comparing the Price/Earnings ratio of TF-DB-E to the average of the S&P500 Index (29.35), we can say TF-DB-E is valued expensively.

Based on the Price/Forward Earnings ratio of 135.64, the valuation of TF-DB-E can be described as expensive.

62.50% of the companies in the same industry are cheaper than TF-DB-E, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, TF-DB-E is valued quite expensively.

		Industry Rank	Sector Rank
PE	189.02
Fwd PE	135.64

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y2.12%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TF-DB-E has a Yearly Dividend Yield of 10.53%, which is a nice return.

TF-DB-E's Dividend Yield is rather good when compared to the industry average which is at 8.05. TF-DB-E pays more dividend than 90.63% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.33, TF-DB-E pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	10.53%

5.2 History

The dividend of TF-DB-E has a limited annual growth rate of 1.26%.

TF-DB-E 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

TF-DB-E pays out 121.70% of its income as dividend. This is not a sustainable payout ratio.

TF-DB-E's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP121.7%

EPS Next 2Y2.12%

EPS Next 3YN/A

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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-E (3/4/2025, 7:00:00 PM)

96.4

-0.1 (-0.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)02-25 2025-02-25/amc

Earnings (Next)05-05 2025-05-05

Inst Owners4.75%

Inst Owner ChangeN/A

Ins Owners0.86%

Ins Owner ChangeN/A

Market Cap8.00B

Analysts80

Price Target121.45 (25.99%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10.53%

Yearly Dividend0.68

Dividend Growth(5Y)1.26%

DP121.7%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)18.65%

Min Revenue beat(2)-11.82%

Max Revenue beat(2)49.12%

Revenue beat(4)3

Avg Revenue beat(4)32.39%

Min Revenue beat(4)-11.82%

Max Revenue beat(4)49.12%

Revenue beat(8)7

Avg Revenue beat(8)37.18%

Revenue beat(12)11

Avg Revenue beat(12)34.55%

Revenue beat(16)15

Avg Revenue beat(16)30.33%

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	189.02
Fwd PE	135.64
P/S	49.58
P/FCF	N/A
P/OCF	N/A
P/B	11.65
P/tB	11.65
EV/EBITDA	N/A

EPS(TTM)0.51

EY0.53%

EPS(NY)0.71

Fwd EY0.74%

FCF(TTM)-0.84

FCFYN/A

OCF(TTM)-0.83

OCFYN/A

SpS1.94

BVpS8.27

TBVpS8.27

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.66%
ROE	6.72%
ROCE	4.39%
ROIC	3.16%
ROICexc	3.18%
ROICexgc	3.19%
OM	46.66%
PM (TTM)	28.6%
GM	75.44%
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%

ROICexcg growth 3Y0.03%

ROICexcg 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-Score5

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.33%
Interest Coverage	2.33
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.77
Quick Ratio	0.77
Altman-Z	4.77

F-Score5

WACC13.52%

ROIC/WACC0.23

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)-23.54%

EPS 3Y3.06%

EPS 5Y-2.16%

EPS Q2Q%-86.67%

EPS Next Y-1.43%

EPS Next 2Y2.12%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-10.81%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%-15.29%

Revenue Next Year9.11%

Revenue Next 2Y7.33%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-27.91%

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-177.18%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-176.59%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens