TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:TF-DB-E • CA88709BAF19
98.98 CAD
+0.64 (+0.65%)
Last: Jan 30, 2026, 07:00 PM
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. While TF-DB-E is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
- In the past year TF-DB-E has reported a negative cash flow from operations.
- 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 (2.17%) which is in line with its industry peers.
- With a Return On Equity value of 5.60%, TF-DB-E perfoms like the industry average, outperforming 46.43% of the companies in the same industry.
- TF-DB-E's Return On Invested Capital of 2.80% is on the low side compared to the rest of the industry. TF-DB-E is outperformed by 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 7.80%.
| 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
- Looking at the Profit Margin, with a value of 24.62%, TF-DB-E is in the better half of the industry, outperforming 60.71% 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 Operating Margin of 43.60%. This is in the better half of the industry: TF-DB-E outperforms 64.29% of its industry peers.
- In the last couple of years the Operating Margin of TF-DB-E has declined.
- TF-DB-E has a Gross Margin of 74.20%. This is amongst the best in the industry. TF-DB-E outperforms 92.86% of its industry peers.
- 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
- TF-DB-E has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for TF-DB-E remains at a similar level compared to 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.
2.2 Solvency
- An Altman-Z score of 4.73 indicates that TF-DB-E is not in any danger for bankruptcy at the moment.
- The Altman-Z score of TF-DB-E (4.73) is better than 60.71% 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's Debt to Equity ratio of 1.55 is in line compared to the rest of the industry. TF-DB-E outperforms 42.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.73 |
ROIC/WACC0.38
WACC7.42%
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.
- TF-DB-E's Current ratio of 0.10 is on the low side compared to the rest of the industry. TF-DB-E is outperformed by 64.29% of its industry peers.
- A Quick Ratio of 0.10 indicates that TF-DB-E may have some problems paying its short term obligations.
- TF-DB-E has a worse Quick ratio (0.10) than 64.29% 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.
- TF-DB-E shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
- 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
- The Earnings Per Share is expected to grow by 8.96% on average over the next years. This is quite good.
- The Revenue is expected to grow by 1.76% on average over the next years.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- TF-DB-E is valuated quite expensively with a Price/Earnings ratio of 215.17.
- Based on the Price/Earnings ratio, TF-DB-E is valued a bit more expensive than 64.29% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.30, TF-DB-E is valued quite expensively.
- A Price/Forward Earnings ratio of 142.01 indicates a quite expensive valuation of TF-DB-E.
- Based on the Price/Forward Earnings ratio, TF-DB-E is valued a bit more expensive than the industry average as 60.71% of the companies are valued more cheaply.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. TF-DB-E is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 215.17 | ||
| Fwd PE | 142.01 |
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 an expensive valuation of the company.
PEG (NY)27.22
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
- TF-DB-E has a Yearly Dividend Yield of 9.65%, which is a nice return.
- TF-DB-E's Dividend Yield is rather good when compared to the industry average which is at 5.64. TF-DB-E pays more dividend than 89.29% 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.65% |
5.2 History
- The dividend of TF-DB-E has a limited annual growth rate of 1.26%.
- TF-DB-E is new to the dividend game and has less than 3 years of track record.
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.
- The dividend of TF-DB-E is growing, but earnings are growing more, so the dividend growth is sustainable.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
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%.