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

TSX:TF-DB-E • CA88709BAF19

Current stock price

98.49 CAD
-0.15 (-0.15%)
Last:

This TF-DB-E.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TF-DB-E.CA Profitability Analysis

1.1 Basic Checks

  • TF-DB-E had positive earnings in the past year.
  • In the past year TF-DB-E has reported a negative cash flow from operations.
  • TF-DB-E had positive earnings in 4 of the past 5 years.
  • In multiple years TF-DB-E reported negative operating cash flow during the last 5 years.
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

  • With a decent Return On Assets value of 2.17%, TF-DB-E is doing good in the industry, outperforming 65.63% of the companies in the same industry.
  • TF-DB-E's Return On Equity of 5.60% is in line compared to the rest of the industry. TF-DB-E outperforms 56.25% of its industry peers.
  • TF-DB-E has a Return On Invested Capital (2.80%) which is comparable to the rest of the industry.
  • 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 6.74%.
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

  • The Profit Margin of TF-DB-E (24.62%) is better than 68.75% of its industry peers.
  • In the last couple of years the Profit Margin of TF-DB-E has declined.
  • The Operating Margin of TF-DB-E (43.60%) is better than 71.88% of its industry peers.
  • In the last couple of years the Operating Margin of TF-DB-E has declined.
  • Looking at the Gross Margin, with a value of 74.20%, TF-DB-E belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
  • 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

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2

2. TF-DB-E.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF-DB-E is destroying value.
  • There is no outstanding debt for TF-DB-E. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 4.74. This indicates that TF-DB-E is financially healthy and has little risk of bankruptcy at the moment.
  • With a decent Altman-Z score value of 4.74, TF-DB-E is doing good in the industry, outperforming 68.75% of the companies in the same 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 has a Debt to Equity ratio of 1.55. This is in the lower half of the industry: TF-DB-E underperforms 62.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Altman-Z 4.74
ROIC/WACC0.38
WACC7.43%
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 68.75% of the companies in the same industry.
  • 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.
  • The Quick ratio of TF-DB-E (0.10) is worse than 68.75% of its industry peers.
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

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

3

3. TF-DB-E.CA Growth Analysis

3.1 Past

  • TF-DB-E shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.00%.
  • The Earnings Per Share has been decreasing by -7.79% on average over the past years.
EPS 1Y (TTM)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-24.73%

3.2 Future

  • TF-DB-E is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.90% yearly.
  • TF-DB-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.11% yearly.
EPS Next Y52.86%
EPS Next 2Y26.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.16%
Revenue Next 2Y1.11%
Revenue Next 3YN/A
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.
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

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1

4. TF-DB-E.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 234.50, which means the current valuation is very expensive for TF-DB-E.
  • Compared to the rest of the industry, the Price/Earnings ratio of TF-DB-E is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of TF-DB-E to the average of the S&P500 Index (25.70), we can say TF-DB-E is valued expensively.
  • TF-DB-E is valuated quite expensively with a Price/Forward Earnings ratio of 153.40.
  • TF-DB-E's Price/Forward Earnings ratio is in line with the industry average.
  • TF-DB-E is valuated expensively when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 234.5
Fwd PE 153.4
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.
  • A more expensive valuation may be justified as TF-DB-E's earnings are expected to grow with 26.90% in the coming years.
PEG (NY)4.44
PEG (5Y)N/A
EPS Next 2Y26.9%
EPS Next 3YN/A

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

5

5. TF-DB-E.CA Dividend Analysis

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 5.99. TF-DB-E pays more dividend than 90.63% 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 1.89.
Industry RankSector 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 2Y26.9%
EPS Next 3YN/A
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

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TF-DB-E.CA Fundamentals: All Metrics, Ratios and Statistics

TIMBERCREEK FINANCIAL CO

TSX:TF-DB-E (3/11/2026, 7:00:00 PM)

98.49

-0.15 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners2.67%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.15B
Revenue(TTM)N/A
Net Income(TTM)37.97M
Analysts78.33
Price Target107.53 (9.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-2.99%
PT rev (3m)-8.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 234.5
Fwd PE 153.4
P/S 52.84
P/FCF N/A
P/OCF N/A
P/B 12.03
P/tB 12.03
EV/EBITDA N/A
EPS(TTM)0.42
EY0.43%
EPS(NY)0.64
Fwd EY0.65%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)4.44
PEG (5Y)N/A
Graham Number8.8
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 4.74
F-Score3
WACC7.43%
ROIC/WACC0.38
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)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
EPS Next Y52.86%
EPS Next 2Y26.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-24.73%
Revenue Next Year3.16%
Revenue Next 2Y1.11%
Revenue Next 3YN/A
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 Fundamental Analysis 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 1 / 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 52.86% 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%.