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TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Overview

Canada - TSX:TF-DB-E - CA88709BAF19

97.62 CAD
+0.09 (+0.09%)
Last: 9/17/2025, 7:00:00 PM
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. 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.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

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 each of the past 5 years.
TF-DB-E had a positive operating cash flow in 4 of the past 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 2.38%, TF-DB-E is in line with its industry, outperforming 55.17% of the companies in the same industry.
TF-DB-E has a Return On Equity (6.37%) which is in line with its industry peers.
TF-DB-E's Return On Invested Capital of 2.93% is on the low side compared to the rest of the industry. TF-DB-E is outperformed by 68.97% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TF-DB-E is below the industry average of 5.62%.
Industry RankSector 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%
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

TF-DB-E's Profit Margin of 27.93% is in line compared to the rest of the industry. TF-DB-E outperforms 55.17% of its industry peers.
TF-DB-E's Profit Margin has declined in the last couple of years.
TF-DB-E has a Operating Margin of 47.36%. This is comparable to the rest of the industry: TF-DB-E outperforms 58.62% 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 76.24% 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 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%
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.
The debt/assets ratio for TF-DB-E has been reduced compared to a year ago.
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

An Altman-Z score of 4.38 indicates that TF-DB-E is not in any danger for bankruptcy at the moment.
With a Altman-Z score value of 4.38, TF-DB-E perfoms like the industry average, outperforming 48.28% of the companies in the same industry.
A Debt/Equity ratio of 1.66 is on the high side and indicates that TF-DB-E has dependencies on debt financing.
With a Debt to Equity ratio value of 1.66, TF-DB-E perfoms like the industry average, outperforming 41.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.66
Debt/FCF N/A
Altman-Z 4.38
ROIC/WACC0.39
WACC7.5%
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 0.14 indicates that TF-DB-E may have some problems paying its short term obligations.
With a Current ratio value of 0.14, TF-DB-E perfoms like the industry average, outperforming 55.17% of the companies in the same industry.
A Quick Ratio of 0.14 indicates that TF-DB-E may have some problems paying its short term obligations.
TF-DB-E has a Quick ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
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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3

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.
TF-DB-E shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.40%.
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)-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%-12.62%

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 14.88% yearly.
TF-DB-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.61% yearly.
EPS Next Y28.29%
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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 184.19, 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 indicates a slightly more expensive valuation: TF-DB-E is more expensive than 68.97% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, TF-DB-E is valued quite expensively.
TF-DB-E is valuated quite expensively with a Price/Forward Earnings ratio of 132.09.
Based on the Price/Forward Earnings ratio, TF-DB-E is valued a bit more expensive than 62.07% of the companies in the same industry.
TF-DB-E's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 184.19
Fwd PE 132.09
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.
A more expensive valuation may be justified as TF-DB-E's earnings are expected to grow with 14.88% in the coming years.
PEG (NY)6.51
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.04%, 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 6.71. TF-DB-E pays more dividend than 89.66% 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 2.38.
Industry RankSector Rank
Dividend Yield 9.04%

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

118.44% 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.
DP118.44%
EPS Next 2Y14.88%
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 (9/17/2025, 7:00:00 PM)

97.62

+0.09 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-28 2025-10-28
Inst Owners3.94%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.08B
Analysts80
Price Target105.67 (8.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.04%
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)2
Avg Revenue beat(2)14.46%
Min Revenue beat(2)2.85%
Max Revenue beat(2)26.07%
Revenue beat(4)3
Avg Revenue beat(4)5.43%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)26.07%
Revenue beat(8)7
Avg Revenue beat(8)25.94%
Revenue beat(12)11
Avg Revenue beat(12)29.35%
Revenue beat(16)15
Avg Revenue beat(16)26.74%
PT rev (1m)3.94%
PT rev (3m)-1.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.5%
EPS NY rev (1m)4.62%
EPS NY rev (3m)4.62%
Revenue NQ rev (1m)-1.43%
Revenue NQ rev (3m)3.88%
Revenue NY rev (1m)-3.29%
Revenue NY rev (3m)-3.29%
Valuation
Industry RankSector Rank
PE 184.19
Fwd PE 132.09
P/S 51.78
P/FCF N/A
P/OCF N/A
P/B 11.82
P/tB 11.82
EV/EBITDA N/A
EPS(TTM)0.53
EY0.54%
EPS(NY)0.74
Fwd EY0.76%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)6.51
PEG (5Y)N/A
Profitability
Industry RankSector 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%
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-Score3
Asset Turnover0.09
Health
Industry RankSector 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 4.38
F-Score3
WACC7.5%
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)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
EPS Next Y28.29%
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%-12.62%
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