TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Price, Forecast & Analysis
Canada - TSX:TF-DB-E - CA88709BAF19
98.6 CAD
+0.01 (+0.01%)
Taking everything into account, TF-DB-E scores 3 out of 10 in our fundamental rating. TF-DB-E was compared to 27 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
TF-DB-E has a Return On Assets (2.17%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 5.60%, TF-DB-E is in line with its industry, outperforming 48.15% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.80%, TF-DB-E is doing worse than 62.96% of the companies in the same 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 5.61%.
| 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 in line with its industry peers.
In the last couple of years the Profit Margin of TF-DB-E has declined.
TF-DB-E has a better Operating Margin (43.60%) than 62.96% of 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 74.20% is amongst the best of the industry. TF-DB-E outperforms 92.59% 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.
TF-DB-E has about the same amout of shares outstanding than it did 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.
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.
TF-DB-E has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.55, TF-DB-E perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.74 |
ROIC/WACC0.38
WACC7.27%
2.3 Liquidity
A Current Ratio of 0.10 indicates that TF-DB-E may have some problems paying its short term obligations.
The Current ratio of TF-DB-E (0.10) is worse than 62.96% 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 62.96% 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 -28.21% 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.
The Revenue has decreased by -8.53% 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)-28.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-39.63%
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%46.16%
3.2 Future
The Earnings Per Share is expected to grow by 8.27% on average over the next years. This is quite good.
The Revenue is expected to grow by 0.74% on average over the next years.
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
With a Price/Earnings ratio of 176.07, TF-DB-E can be considered very expensive at the moment.
Based on the Price/Earnings ratio, TF-DB-E is valued a bit more expensive than the industry average as 62.96% of the companies are valued more cheaply.
TF-DB-E's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.89.
TF-DB-E is valuated quite expensively with a Price/Forward Earnings ratio of 140.78.
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 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 176.07 | ||
| Fwd PE | 140.78 |
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)11.42
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y8.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.30%, 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 6.79. TF-DB-E pays more dividend than 88.89% 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.3% |
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
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 (11/14/2025, 7:00:00 PM)
98.6
+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 Target114.58 (16.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.3% |
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)14.58%
Min Revenue beat(2)-12.45%
Max Revenue beat(2)41.61%
Revenue beat(4)3
Avg Revenue beat(4)9.15%
Min Revenue beat(4)-12.45%
Max Revenue beat(4)41.61%
Revenue beat(8)6
Avg Revenue beat(8)21.57%
Revenue beat(12)10
Avg Revenue beat(12)26.37%
Revenue beat(16)14
Avg Revenue beat(16)26.14%
PT rev (1m)8.43%
PT rev (3m)12.7%
EPS NQ rev (1m)-5.8%
EPS NQ rev (3m)-5.8%
EPS NY rev (1m)-9.06%
EPS NY rev (3m)-5.88%
Revenue NQ rev (1m)-13.65%
Revenue NQ rev (3m)-13.65%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-5.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 176.07 | ||
| Fwd PE | 140.78 | ||
| P/S | 52.9 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.04 | ||
| P/tB | 12.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.56
EY0.57%
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)11.42
PEG (5Y)N/A
Graham Number10.16
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
WACC7.27%
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)-28.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-39.63%
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%46.16%
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 98.6 CAD. The price increased 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 2 out of 10 and a ChartMill Fundamental rating of 3 out of 10.