TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Price, Forecast & Analysis
Canada - TSX:TF-DB-E - CA88709BAF19
99 CAD
-0.1 (-0.1%)
We assign a fundamental rating of 3 out of 10 to TF-DB-E. TF-DB-E was compared to 27 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 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.
In the past 5 years TF-DB-E has always 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 of 2.38%. This is comparable to the rest of the industry: TF-DB-E outperforms 55.56% of its industry peers.
Looking at the Return On Equity, with a value of 6.37%, TF-DB-E is in line with its industry, outperforming 44.44% of the companies in the same industry.
TF-DB-E has a worse Return On Invested Capital (2.93%) than 62.96% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-E is in line with the industry average of 5.03%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROIC | 2.93% |
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 (27.93%) which 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's Operating Margin of 47.36% is in line compared to the rest of the industry. TF-DB-E outperforms 59.26% of its industry peers.
TF-DB-E's Operating Margin has declined in the last couple of years.
The Gross Margin of TF-DB-E (76.24%) is better than 92.59% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% |
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
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.
Compared to 1 year ago, TF-DB-E has an improved debt to assets ratio.
2.2 Solvency
TF-DB-E has an Altman-Z score of 4.44. 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 (4.44) which is in line with its industry peers.
TF-DB-E has a Debt/Equity ratio of 1.66. This is a high value indicating a heavy dependency on external financing.
TF-DB-E has a Debt to Equity ratio (1.66) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.44 |
ROIC/WACC0.4
WACC7.27%
2.3 Liquidity
A Current Ratio of 0.14 indicates that TF-DB-E may have some problems paying its short term obligations.
TF-DB-E has a Current ratio (0.14) which is comparable to the rest of the industry.
TF-DB-E has a Quick Ratio of 0.14. 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.
With a Quick ratio value of 0.14, TF-DB-E perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
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 -27.40%.
Measured over the past years, TF-DB-E shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.23% on average per year.
Looking at the last year, TF-DB-E shows a very negative growth in Revenue. The Revenue has decreased by -10.40% in the last year.
TF-DB-E shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
EPS 1Y (TTM)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-39.32%
3.2 Future
The Earnings Per Share is expected to grow by 14.88% on average over the next years. This is quite good.
Based on estimates for the next years, TF-DB-E will show a small growth in Revenue. The Revenue will grow by 5.61% on average per year.
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 186.79, the valuation of TF-DB-E can be described as expensive.
TF-DB-E's Price/Earnings ratio is a bit more expensive when compared to the industry. TF-DB-E is more expensive than 70.37% of the companies in the same industry.
TF-DB-E's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.51.
With a Price/Forward Earnings ratio of 133.96, TF-DB-E can be considered very expensive at the moment.
62.96% 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 22.53. TF-DB-E is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 186.79 | ||
| Fwd PE | 133.96 |
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 TF-DB-E does not grow enough to justify the current Price/Earnings ratio.
TF-DB-E's earnings are expected to grow with 14.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)6.94
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.16%, TF-DB-E is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.94, TF-DB-E pays a better dividend. On top of this TF-DB-E pays more dividend than 88.89% of the companies listed in the same industry.
TF-DB-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.16% |
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 118.44% 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.
DP118.44%
EPS Next 2Y14.88%
EPS Next 3YN/A
TSX:TF-DB-E (11/3/2025, 7:00:00 PM)
99
-0.1 (-0.1%)
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 Cap8.19B
Revenue(TTM)156.02M
Net Income(TTM)43.57M
Analysts80
Price Target114.58 (15.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.16% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP118.44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5%
Min EPS beat(2)-14.33%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-25.12%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-14.33%
EPS beat(12)2
Avg EPS beat(12)-11.87%
EPS beat(16)3
Avg EPS beat(16)-9.67%
Revenue beat(2)1
Avg Revenue beat(2)-4.8%
Min Revenue beat(2)-12.45%
Max Revenue beat(2)2.85%
Revenue beat(4)2
Avg Revenue beat(4)-4.21%
Min Revenue beat(4)-12.45%
Max Revenue beat(4)4.6%
Revenue beat(8)6
Avg Revenue beat(8)21.13%
Revenue beat(12)10
Avg Revenue beat(12)26.14%
Revenue beat(16)14
Avg Revenue beat(16)24.33%
PT rev (1m)8.43%
PT rev (3m)12.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0%
EPS NY rev (3m)3.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 186.79 | ||
| Fwd PE | 133.96 | ||
| P/S | 52.51 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 11.99 | ||
| P/tB | 11.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.53
EY0.54%
EPS(NY)0.74
Fwd EY0.75%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)6.94
PEG (5Y)N/A
Graham Number9.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROCE | 4.07% | ||
| ROIC | 2.93% | ||
| ROICexc | 2.93% | ||
| ROICexgc | 2.94% | ||
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% | ||
| 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 | 1.66 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | 4.44 |
F-Score3
WACC7.27%
ROIC/WACC0.4
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)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-39.32%
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-21.66%
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-201.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.88%
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 99 CAD. The price decreased by -0.1% in the last trading session.
How is the ChartMill rating for TIMBERCREEK FINANCIAL CO?
TF-DB-E.CA has a ChartMill Technical rating of 6 out of 10 and a ChartMill Fundamental rating of 3 out of 10.