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TANDY LEATHER FACTORY INC (TLF) Stock Fundamental Analysis

NASDAQ:TLF - Nasdaq - US87538X1054 - Common Stock - Currency: USD

3.86  -0.12 (-3.02%)

After market: 3.86 0 (0%)

Fundamental Rating

4

TLF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 120 industry peers in the Specialty Retail industry. TLF has an excellent financial health rating, but there are some minor concerns on its profitability. TLF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year TLF was profitable.
In the past year TLF had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: TLF reported negative net income in multiple years.
Of the past 5 years TLF 4 years had a positive operating cash flow.
TLF Yearly Net Income VS EBIT VS OCF VS FCFTLF 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 0 5M -5M 10M -10M

1.2 Ratios

TLF has a better Return On Assets (3.33%) than 60.68% of its industry peers.
TLF has a Return On Equity (4.22%) which is comparable to the rest of the industry.
The Return On Invested Capital of TLF (2.88%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for TLF is significantly below the industry average of 12.30%.
Industry RankSector Rank
ROA 3.33%
ROE 4.22%
ROIC 2.88%
ROA(3y)2.95%
ROA(5y)0%
ROE(3y)3.9%
ROE(5y)-0.21%
ROIC(3y)3.71%
ROIC(5y)N/A
TLF Yearly ROA, ROE, ROICTLF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10 15

1.3 Margins

TLF has a Profit Margin of 3.25%. This is in the better half of the industry: TLF outperforms 68.38% of its industry peers.
TLF's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 2.95%, TLF is in line with its industry, outperforming 52.99% of the companies in the same industry.
In the last couple of years the Operating Margin of TLF has declined.
TLF's Gross Margin of 56.78% is amongst the best of the industry. TLF outperforms 86.32% of its industry peers.
TLF's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 2.95%
PM (TTM) 3.25%
GM 56.78%
OM growth 3YN/A
OM growth 5Y-5.09%
PM growth 3YN/A
PM growth 5Y-1.34%
GM growth 3Y1.73%
GM growth 5Y-0.66%
TLF Yearly Profit, Operating, Gross MarginsTLF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40 60

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8

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TLF is destroying value.
Compared to 1 year ago, TLF has more shares outstanding
Compared to 5 years ago, TLF has less shares outstanding
Compared to 1 year ago, TLF has an improved debt to assets ratio.
TLF Yearly Shares OutstandingTLF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
TLF Yearly Total Debt VS Total AssetsTLF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

2.2 Solvency

An Altman-Z score of 4.32 indicates that TLF is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 4.32, TLF belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
TLF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 4.32
ROIC/WACC0.28
WACC10.27%
TLF Yearly LT Debt VS Equity VS FCFTLF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M

2.3 Liquidity

A Current Ratio of 6.39 indicates that TLF has no problem at all paying its short term obligations.
TLF's Current ratio of 6.39 is amongst the best of the industry. TLF outperforms 99.15% of its industry peers.
A Quick Ratio of 1.55 indicates that TLF should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.55, TLF belongs to the top of the industry, outperforming 85.47% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 6.39
Quick Ratio 1.55
TLF Yearly Current Assets VS Current LiabilitesTLF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

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0

3. Growth

3.1 Past

TLF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.68%.
TLF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.27% yearly.
TLF shows a decrease in Revenue. In the last year, the revenue decreased by -3.85%.
The Revenue has been decreasing by -1.73% on average over the past years.
EPS 1Y (TTM)6.68%
EPS 3YN/A
EPS 5Y-1.27%
EPS Q2Q%-119.59%
Revenue 1Y (TTM)-3.85%
Revenue growth 3Y5.96%
Revenue growth 5Y-1.73%
Sales Q2Q%-1.08%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
TLF Yearly Revenue VS EstimatesTLF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M
TLF Yearly EPS VS EstimatesTLF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.05 0.1 0.15 0.2 0.25

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3

4. Valuation

4.1 Price/Earnings Ratio

TLF is valuated correctly with a Price/Earnings ratio of 13.31.
Compared to the rest of the industry, the Price/Earnings ratio of TLF indicates a somewhat cheap valuation: TLF is cheaper than 77.78% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, TLF is valued rather cheaply.
Industry RankSector Rank
PE 13.31
Fwd PE N/A
TLF Price Earnings VS Forward Price EarningsTLF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TLF indicates a somewhat cheap valuation: TLF is cheaper than 79.49% of the companies listed in the same industry.
TLF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 39.98
EV/EBITDA 6.52
TLF Per share dataTLF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 38.86%, TLF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.31, TLF pays a better dividend. On top of this TLF pays more dividend than 100.00% of the companies listed in the same industry.
TLF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 38.86%

5.2 History

TLF does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
TLF Yearly Dividends per shareTLF Yearly Dividends per shareYearly Dividends per share 2025 0.5 1

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
TLF Yearly Income VS Free CF VS DividendTLF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M 10M -10M

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TANDY LEATHER FACTORY INC

NASDAQ:TLF (2/21/2025, 8:00:01 PM)

After market: 3.86 0 (0%)

3.86

-0.12 (-3.02%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)11-08 2024-11-08/amc
Earnings (Next)03-20 2025-03-20
Inst Owners56.86%
Inst Owner Change-21.53%
Ins Owners0.31%
Ins Owner Change0%
Market Cap32.50M
Analysts80
Price TargetN/A
Short Float %0.07%
Short Ratio0.18
Dividend
Industry RankSector Rank
Dividend Yield 38.86%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-19 2025-02-19 (1.5)
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.31
Fwd PE N/A
P/S 0.43
P/FCF 39.98
P/OCF 9.63
P/B 0.56
P/tB 0.56
EV/EBITDA 6.52
EPS(TTM)0.29
EY7.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.1
FCFY2.5%
OCF(TTM)0.4
OCFY10.38%
SpS8.88
BVpS6.84
TBVpS6.84
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.33%
ROE 4.22%
ROCE 3.38%
ROIC 2.88%
ROICexc 3.4%
ROICexgc 3.4%
OM 2.95%
PM (TTM) 3.25%
GM 56.78%
FCFM 1.09%
ROA(3y)2.95%
ROA(5y)0%
ROE(3y)3.9%
ROE(5y)-0.21%
ROIC(3y)3.71%
ROIC(5y)N/A
ROICexc(3y)4.5%
ROICexc(5y)N/A
ROICexgc(3y)4.5%
ROICexgc(5y)N/A
ROCE(3y)4.36%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5Y-9.61%
ROICexc growth 3YN/A
ROICexc growth 5Y-9.21%
OM growth 3YN/A
OM growth 5Y-5.09%
PM growth 3YN/A
PM growth 5Y-1.34%
GM growth 3Y1.73%
GM growth 5Y-0.66%
F-Score7
Asset Turnover1.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 207.2%
Cap/Sales 3.43%
Interest Coverage 250
Cash Conversion 98.05%
Profit Quality 33.44%
Current Ratio 6.39
Quick Ratio 1.55
Altman-Z 4.32
F-Score7
WACC10.27%
ROIC/WACC0.28
Cap/Depr(3y)63.82%
Cap/Depr(5y)67.23%
Cap/Sales(3y)0.92%
Cap/Sales(5y)1.03%
Profit Quality(3y)116.02%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.68%
EPS 3YN/A
EPS 5Y-1.27%
EPS Q2Q%-119.59%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.85%
Revenue growth 3Y5.96%
Revenue growth 5Y-1.73%
Sales Q2Q%-1.08%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-25.76%
EBIT growth 3YN/A
EBIT growth 5Y-6.74%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y69.38%
FCF growth 3YN/A
FCF growth 5Y-9.92%
OCF growth 1Y88.49%
OCF growth 3YN/A
OCF growth 5Y-10.2%