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TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Price, Quote, News and Overview

TSX:TF-DB-E - Toronto Stock Exchange - CA88709BAF19 - Currency: CAD

96.65  -1 (-1.02%)

Fundamental Rating

3

Taking everything into account, TF-DB-E scores 3 out of 10 in our fundamental rating. TF-DB-E was compared to 29 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 is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

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.
In the past 5 years TF-DB-E has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

With a Return On Assets value of 2.60%, TF-DB-E perfoms like the industry average, outperforming 55.17% of the companies in the same industry.
TF-DB-E's Return On Equity of 6.79% is in line compared to the rest of the industry. TF-DB-E outperforms 41.38% of its industry peers.
TF-DB-E has a Return On Invested Capital of 3.17%. This is in the lower half of the industry: TF-DB-E underperforms 68.97% 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 5.71%.
Industry RankSector Rank
ROA 2.6%
ROE 6.79%
ROIC 3.17%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of TF-DB-E (28.87%) is comparable to the rest of the industry.
TF-DB-E's Profit Margin has declined in the last couple of years.
TF-DB-E has a Operating Margin (48.34%) which is in line with 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 77.25% is amongst the best of the industry. TF-DB-E outperforms 93.10% 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 48.34%
PM (TTM) 28.87%
GM 77.25%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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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.
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.
TF-DB-E has a better debt/assets ratio than last year.
TF-DB-E.CA Yearly Shares OutstandingTF-DB-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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 4.31. This indicates that TF-DB-E is financially healthy and has little risk of bankruptcy at the moment.
With a Altman-Z score value of 4.31, TF-DB-E perfoms like the industry average, outperforming 48.28% of the companies in the same industry.
A Debt/Equity ratio of 1.59 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 1.59. This is comparable to the rest of the industry: TF-DB-E outperforms 41.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF N/A
Altman-Z 4.31
ROIC/WACC0.44
WACC7.26%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

A Current Ratio of 0.02 indicates that TF-DB-E may have some problems paying its short term obligations.
TF-DB-E has a worse Current ratio (0.02) than 72.41% of its industry peers.
TF-DB-E has a Quick Ratio of 0.02. 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 Quick ratio of 0.02. This is in the lower half of the industry: TF-DB-E underperforms 72.41% of its industry peers.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
TF-DB-E.CA Yearly Current Assets VS Current LiabilitesTF-DB-E.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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4

3. Growth

3.1 Past

TF-DB-E shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.97%.
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 -8.46% in the past year.
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)-22.97%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%5.88%
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-29.72%

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 12.38% on average per year.
The Revenue is expected to grow by 6.89% on average over the next years.
EPS Next Y22.62%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.36%
Revenue Next 2Y6.89%
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.
The Revenue 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
TF-DB-E.CA Yearly EPS VS EstimatesTF-DB-E.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 169.56, which means the current valuation is very expensive for TF-DB-E.
TF-DB-E's Price/Earnings ratio is a bit more expensive when compared to the industry. TF-DB-E is more expensive than 68.97% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.19, TF-DB-E is valued quite expensively.
Based on the Price/Forward Earnings ratio of 136.65, the valuation of TF-DB-E can be described as expensive.
62.07% of the companies in the same industry are cheaper than TF-DB-E, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 35.33. TF-DB-E is valued rather expensively when compared to this.
Industry RankSector Rank
PE 169.56
Fwd PE 136.65
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

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.
TF-DB-E's earnings are expected to grow with 12.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)7.5
PEG (5Y)N/A
EPS Next 2Y12.38%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.03%, 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 7.27. TF-DB-E pays more dividend than 93.10% 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 2.35.
Industry RankSector Rank
Dividend Yield 9.03%

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

110.50% 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.
DP110.5%
EPS Next 2Y12.38%
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 2015 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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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-E (7/14/2025, 7:00:00 PM)

96.65

-1 (-1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-26 2025-05-26/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners3.94%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.00B
Analysts80
Price Target107.21 (10.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.03%
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP110.5%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-38.92%
Min EPS beat(2)-82.17%
Max EPS beat(2)4.33%
EPS beat(4)2
Avg EPS beat(4)-20.91%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-12.9%
EPS beat(12)3
Avg EPS beat(12)-10.44%
EPS beat(16)3
Avg EPS beat(16)-9.19%
Revenue beat(2)2
Avg Revenue beat(2)3.72%
Min Revenue beat(2)2.85%
Max Revenue beat(2)4.6%
Revenue beat(4)3
Avg Revenue beat(4)10.3%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)45.59%
Revenue beat(8)7
Avg Revenue beat(8)27.33%
Revenue beat(12)11
Avg Revenue beat(12)29.55%
Revenue beat(16)15
Avg Revenue beat(16)26.51%
PT rev (1m)0%
PT rev (3m)-8.37%
EPS NQ rev (1m)4.08%
EPS NQ rev (3m)4.08%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.7%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.15%
Valuation
Industry RankSector Rank
PE 169.56
Fwd PE 136.65
P/S 49.59
P/FCF N/A
P/OCF N/A
P/B 11.67
P/tB 11.67
EV/EBITDA N/A
EPS(TTM)0.57
EY0.59%
EPS(NY)0.71
Fwd EY0.73%
FCF(TTM)-0.94
FCFYN/A
OCF(TTM)-0.93
OCFYN/A
SpS1.95
BVpS8.29
TBVpS8.29
PEG (NY)7.5
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.6%
ROE 6.79%
ROCE 5.42%
ROIC 3.17%
ROICexc 3.18%
ROICexgc 3.19%
OM 48.34%
PM (TTM) 28.87%
GM 77.25%
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%
ROICexcg growth 3Y0.03%
ROICexcg 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-Score4
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.32
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z 4.31
F-Score4
WACC7.26%
ROIC/WACC0.44
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)-22.97%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%5.88%
EPS Next Y22.62%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-29.72%
Revenue Next Year10.36%
Revenue Next 2Y6.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-19.73%
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-185.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.97%
OCF growth 3YN/A
OCF growth 5YN/A