TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-E - CA88709BAF19
98.59 CAD
-0.01 (-0.01%)
We assign a fundamental rating of 3 out of 10 to TF-DB-E. TF-DB-E was compared to 28 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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year TF-DB-E was profitable.
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
TF-DB-E has a Return On Assets of 2.17%. This is comparable to the rest of the industry: TF-DB-E outperforms 57.14% of its industry peers.
Looking at the Return On Equity, with a value of 5.60%, TF-DB-E is in line with its industry, outperforming 46.43% of the companies in the same industry.
TF-DB-E has a Return On Invested Capital of 2.80%. This is in the lower half of the industry: TF-DB-E underperforms 64.29% of its industry peers.
TF-DB-E had an Average Return On Invested Capital over the past 3 years of 3.56%. This is below the industry average of 5.58%.
| 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
TF-DB-E has a Profit Margin of 24.62%. This is comparable to the rest of the industry: TF-DB-E outperforms 53.57% of its industry peers.
In the last couple of years the Profit Margin of TF-DB-E has declined.
With a decent Operating Margin value of 43.60%, TF-DB-E is doing good in the industry, outperforming 60.71% of the companies in the same industry.
TF-DB-E's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 74.20%, TF-DB-E belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
TF-DB-E's Gross Margin has been stable in the last couple of years.
| 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-E is destroying value.
TF-DB-E has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for TF-DB-E has been reduced compared to 5 years ago.
TF-DB-E has a better debt/assets ratio than last year.
2.2 Solvency
TF-DB-E has an Altman-Z score of 4.74. This indicates that TF-DB-E is financially healthy and has little risk of bankruptcy at the moment.
TF-DB-E has a Altman-Z score (4.74) which is comparable to the rest of the industry.
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's Debt to Equity ratio of 1.55 is on the low side compared to the rest of the industry. TF-DB-E is outperformed by 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.74 |
ROIC/WACC0.39
WACC7.19%
2.3 Liquidity
TF-DB-E has a Current Ratio of 0.10. 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 Current ratio of TF-DB-E (0.10) is worse than 60.71% of its industry peers.
TF-DB-E has a Quick Ratio of 0.10. 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.
TF-DB-E's Quick ratio of 0.10 is on the low side compared to the rest of the industry. TF-DB-E is outperformed by 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
The earnings per share for TF-DB-E have decreased strongly by -35.21% in the last year.
The Earnings Per Share has been decreasing by -3.23% on average over the past years.
TF-DB-E shows a decrease in Revenue. In the last year, the revenue decreased by -8.53%.
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)-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
TF-DB-E is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.27% yearly.
Based on estimates for the next years, TF-DB-E will show a small growth in Revenue. The Revenue will grow by 0.74% on average per year.
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 214.33, which means the current valuation is very expensive for TF-DB-E.
67.86% of the companies in the same industry are cheaper than TF-DB-E, based on the Price/Earnings ratio.
TF-DB-E's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.98.
With a Price/Forward Earnings ratio of 140.76, TF-DB-E can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-E indicates a slightly more expensive valuation: TF-DB-E is more expensive than 60.71% of the companies listed in the same industry.
TF-DB-E's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 35.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 214.33 | ||
| Fwd PE | 140.76 |
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-E does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)13.9
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y8.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.44%, TF-DB-E is a good candidate for dividend investing.
TF-DB-E's Dividend Yield is rather good when compared to the industry average which is at 6.89. TF-DB-E pays more dividend than 89.29% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, TF-DB-E pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.44% |
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 136.17% 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.
DP136.17%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
TSX:TF-DB-E (11/20/2025, 7:00:00 PM)
98.59
-0.01 (-0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners3.2%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap8.16B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target115.99 (17.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.44% |
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)9.76%
PT rev (3m)9.76%
EPS NQ rev (1m)-8.7%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-9.06%
EPS NY rev (3m)-10.04%
Revenue NQ rev (1m)-12.38%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-4.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 214.33 | ||
| Fwd PE | 140.76 | ||
| P/S | 52.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.04 | ||
| P/tB | 12.04 | ||
| 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)13.9
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 | 4.74 |
F-Score3
WACC7.19%
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 Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
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
What does TF-DB-E do?
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 stock price of TIMBERCREEK FINANCIAL CO today?
The current stock price of TF-DB-E.CA is 98.59 CAD. The price decreased by -0.01% in the last trading session.
How is the ChartMill rating for TIMBERCREEK FINANCIAL CO?
TF-DB-E.CA has a ChartMill Technical rating of 4 out of 10 and a ChartMill Fundamental rating of 3 out of 10.