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

Canada • Toronto Stock Exchange • TSX:TF-DB-E • CA88709BAF19

98.75 CAD
-0.25 (-0.25%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis News
Fundamental Rating

3

Overall TF-DB-E gets a fundamental rating of 3 out of 10. We evaluated TF-DB-E against 27 industry peers in the Financial Services industry. TF-DB-E has a medium profitability rating, but doesn't score so well on its financial health evaluation. TF-DB-E has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year TF-DB-E was profitable.
  • In the past year TF-DB-E has reported a negative cash flow from operations.
  • TF-DB-E had positive earnings in each of the past 5 years.
  • Of the past 5 years TF-DB-E 4 years had a positive operating cash flow.
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 0 50M -50M 100M

1.2 Ratios

  • TF-DB-E has a Return On Assets (2.17%) which is in line with its industry peers.
  • TF-DB-E has a Return On Equity (5.60%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of TF-DB-E (2.80%) is worse than 62.96% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TF-DB-E is below the industry average of 8.08%.
Industry RankSector 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%
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 2 4 6 8

1.3 Margins

  • With a decent Profit Margin value of 24.62%, TF-DB-E is doing good in the industry, outperforming 62.96% of the companies in the same industry.
  • TF-DB-E's Profit Margin has declined in the last couple of years.
  • TF-DB-E has a better Operating Margin (43.60%) than 66.67% of its industry peers.
  • In the last couple of years the Operating Margin of TF-DB-E has declined.
  • TF-DB-E's Gross Margin of 74.20% is amongst the best of the industry. TF-DB-E outperforms 92.59% 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 RankSector 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%
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 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • TF-DB-E has about the same amout of shares outstanding than it did 1 year ago.
  • TF-DB-E has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, TF-DB-E has an improved 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 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 500M 1B 1.5B

2.2 Solvency

  • TF-DB-E has an Altman-Z score of 4.75. This indicates that TF-DB-E is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of TF-DB-E (4.75) is better than 62.96% of its industry peers.
  • A Debt/Equity ratio of 1.55 is on the high side and indicates that TF-DB-E has dependencies on debt financing.
  • TF-DB-E has a Debt to Equity ratio of 1.55. This is comparable to the rest of the industry: TF-DB-E outperforms 44.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Altman-Z 4.75
ROIC/WACC0.37
WACC7.56%
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 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 0.10 indicates that TF-DB-E may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.10, TF-DB-E is doing worse than 62.96% of the companies in the same industry.
  • A Quick Ratio of 0.10 indicates that TF-DB-E may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.10, TF-DB-E is doing worse than 62.96% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.1
Quick Ratio 0.1
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 5M 10M 15M

More info and screens

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

3

3. Growth

3.1 Past

  • The earnings per share for TF-DB-E have decreased strongly by -35.21% in the last year.
  • TF-DB-E shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
  • The Revenue has decreased by -8.53% in the past year.
  • TF-DB-E 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

  • Based on estimates for the next years, TF-DB-E will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.96% 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 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

0

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 214.67, the valuation of TF-DB-E can be described as expensive.
  • Based on the Price/Earnings ratio, TF-DB-E is valued a bit more expensive than the industry average as 62.96% of the companies are valued more cheaply.
  • TF-DB-E's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.03.
  • A Price/Forward Earnings ratio of 141.68 indicates a quite expensive valuation of TF-DB-E.
  • 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.
  • The average S&P500 Price/Forward Earnings ratio is at 27.97. TF-DB-E is valued rather expensively when compared to this.
Industry RankSector Rank
PE 214.67
Fwd PE 141.68
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.
PEG (NY)27.16
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%

More info and screens

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

5

5. Dividend

5.1 Amount

  • TF-DB-E has a Yearly Dividend Yield of 9.75%, which is a nice return.
  • Compared to an average industry Dividend Yield of 5.61, TF-DB-E pays a better dividend. On top of this TF-DB-E pays more dividend than 88.89% 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 1.80.
Industry RankSector Rank
Dividend Yield 9.75%

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

  • 136.17% of the earnings are spent on dividend by TF-DB-E. This is not a sustainable payout ratio.
  • TF-DB-E's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
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 0 50M -50M 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

TIMBERCREEK FINANCIAL CO

TSX:TF-DB-E (2/9/2026, 7:00:00 PM)

98.75

-0.25 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29
Earnings (Next)02-25
Inst Owners2.86%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.17B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target110.84 (12.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.75%
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)-1.63%
PT rev (3m)-3.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.85%
Valuation
Industry RankSector Rank
PE 214.67
Fwd PE 141.68
P/S 52.98
P/FCF N/A
P/OCF N/A
P/B 12.06
P/tB 12.06
EV/EBITDA N/A
EPS(TTM)0.46
EY0.47%
EPS(NY)0.7
Fwd EY0.71%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)27.16
PEG (5Y)N/A
Graham Number9.21
Profitability
Industry RankSector 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 RankSector 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 4.75
F-Score3
WACC7.56%
ROIC/WACC0.37
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 FINANCIAL CO / TF-DB-E.CA 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 0 / 10 to TIMBERCREEK FINANCIAL CO (TF-DB-E.CA). This can be considered as Overvalued.


Can you provide the profitability details for TIMBERCREEK FINANCIAL CO?

TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for TF-DB-E stock?

The Earnings per Share (EPS) of TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) is expected to grow by 7.91% in the next year.


How sustainable is the dividend of TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) stock?

The dividend rating of TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) is 5 / 10 and the dividend payout ratio is 136.17%.