TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-E - CA88709BAF19
98.21 CAD
0 (0%)
Taking everything into account, TF-DB-E scores 3 out of 10 in our fundamental rating. TF-DB-E was compared to 26 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
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.
1.2 Ratios
TF-DB-E has a better Return On Assets (2.17%) than 61.54% of its industry peers.
TF-DB-E has a Return On Equity (5.60%) which is in line with its industry peers.
TF-DB-E has a worse Return On Invested Capital (2.80%) than 61.54% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-E is below the industry average of 5.80%.
| 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
With a decent Profit Margin value of 24.62%, TF-DB-E is doing good in the industry, outperforming 61.54% of the companies in the same industry.
In the last couple of years the Profit Margin of TF-DB-E has declined.
Looking at the Operating Margin, with a value of 43.60%, TF-DB-E is in the better half of the industry, outperforming 65.38% of the companies in the same industry.
In the last couple of years the Operating Margin of TF-DB-E has declined.
The Gross Margin of TF-DB-E (74.20%) is better than 92.31% 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 | 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.
Compared to 1 year ago, TF-DB-E has about the same amount of shares outstanding.
The number of shares outstanding for TF-DB-E has been reduced compared to 5 years ago.
The debt/assets ratio for TF-DB-E has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.72 indicates that TF-DB-E is not in any danger for bankruptcy at the moment.
With a Altman-Z score value of 4.72, TF-DB-E perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
TF-DB-E has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
TF-DB-E has a Debt to Equity ratio (1.55) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.72 |
ROIC/WACC0.39
WACC7.19%
2.3 Liquidity
TF-DB-E has a Current 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.
TF-DB-E has a Current ratio of 0.10. This is in the lower half of the industry: TF-DB-E underperforms 65.38% 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 Quick ratio of 0.10. This is in the lower half of the industry: TF-DB-E underperforms 65.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
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 -35.21%.
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 decrease in Revenue. The Revenue has decreased by -8.53% in the last 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)-35.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-41.18%
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
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 8.96% on average per year.
The Revenue is expected to grow by 1.76% on average over the next years.
EPS Next Y7.91%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
EPS Next 5YN/A
Revenue Next Year1.86%
Revenue Next 2Y1.8%
Revenue Next 3Y1.76%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 213.50, which means the current valuation is very expensive for TF-DB-E.
Based on the Price/Earnings ratio, TF-DB-E is valued a bit more expensive than the industry average as 61.54% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of TF-DB-E to the average of the S&P500 Index (26.38), we can say TF-DB-E is valued expensively.
With a Price/Forward Earnings ratio of 140.91, TF-DB-E can be considered very expensive at the moment.
TF-DB-E's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, TF-DB-E is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 213.5 | ||
| Fwd PE | 140.91 |
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)27.01
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.04%, TF-DB-E is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.82, TF-DB-E pays a better dividend. On top of this TF-DB-E pays more dividend than 88.46% 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.04% |
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
136.17% of the earnings are spent on dividend by TF-DB-E. 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 2Y11.56%
EPS Next 3Y8.96%
TSX:TF-DB-E (12/19/2025, 7:00:00 PM)
98.21
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.97%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.13B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target112.68 (14.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.04% |
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)-1.66%
PT rev (3m)6.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-6.51%
EPS NY rev (3m)-15.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-1.85%
Revenue NY rev (3m)-4.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 213.5 | ||
| Fwd PE | 140.91 | ||
| P/S | 52.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 11.99 | ||
| P/tB | 11.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.46
EY0.47%
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)27.01
PEG (5Y)N/A
Graham Number9.21
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 | 4.72 |
F-Score3
WACC7.19%
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)-35.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-41.18%
EPS Next Y7.91%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
Revenue Next Year1.86%
Revenue Next 2Y1.8%
Revenue Next 3Y1.76%
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 98.21 CAD.
How is the ChartMill rating for TIMBERCREEK FINANCIAL CO?
TF-DB-E.CA has a ChartMill Technical rating of 3 out of 10 and a ChartMill Fundamental rating of 3 out of 10.