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. There are concerns on the financial health of TF-DB-E while its profitability can be described as average. TF-DB-E is valued expensive and it does not seem to be growing.
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.
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 (2.17%) is comparable to the rest of the industry.
The Return On Equity of TF-DB-E (5.60%) is comparable to the rest of the industry.
TF-DB-E has a worse Return On Invested Capital (2.80%) than 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 (24.62%) which is comparable to the rest of the industry.
TF-DB-E's Profit Margin has declined in the last couple of years.
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.
With an excellent Gross Margin value of 74.20%, TF-DB-E belongs to the best 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
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.
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 4.74. 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 4.74, TF-DB-E is in line with its industry, outperforming 46.43% of the companies in the same industry.
TF-DB-E has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
TF-DB-E has a Debt to Equity ratio of 1.55. This is in the lower half of the industry: TF-DB-E underperforms 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.
TF-DB-E has a worse Current ratio (0.10) 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.
Looking at the Quick ratio, with a value of 0.10, TF-DB-E is doing worse than 60.71% of the companies in the same industry.
| 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%.
The Revenue has been growing slightly by 4.88% on average over the past years.
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.
TF-DB-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.74% yearly.
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
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
A Price/Earnings ratio of 214.33 indicates a quite expensive valuation of TF-DB-E.
67.86% of the companies in the same industry are cheaper than TF-DB-E, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TF-DB-E to the average of the S&P500 Index (25.65), we can say TF-DB-E is valued expensively.
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 is valuated expensively when we compare the Price/Forward Earnings ratio to 34.45, which is the current average of the S&P500 Index.
| 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 an expensive valuation of the company.
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.
TF-DB-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| 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.
The dividend of TF-DB-E is growing, but earnings are growing more, so the dividend growth is 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.