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TANDY LEATHER FACTORY INC (TLF) Stock Fundamental Analysis

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

3.19  +0.04 (+1.27%)

Fundamental Rating

5

Overall TLF gets a fundamental rating of 5 out of 10. We evaluated TLF against 121 industry peers in the Specialty Retail industry. While TLF has a great health rating, its profitability is only average at the moment. TLF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

TLF had positive earnings in the past year.
In the past year TLF had a positive cash flow from operations.
Of the past 5 years TLF 4 years were profitable.
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 2024 0 5M -5M 10M -10M

1.2 Ratios

With an excellent Return On Assets value of 16.66%, TLF belongs to the best of the industry, outperforming 93.39% of the companies in the same industry.
With an excellent Return On Equity value of 22.81%, TLF belongs to the best of the industry, outperforming 80.99% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 0.30%, TLF is doing worse than 62.81% of the companies in the same industry.
TLF had an Average Return On Invested Capital over the past 3 years of 2.72%. This is significantly below the industry average of 13.07%.
Industry RankSector Rank
ROA 16.66%
ROE 22.81%
ROIC 0.3%
ROA(3y)2.71%
ROA(5y)0.7%
ROE(3y)3.51%
ROE(5y)0.75%
ROIC(3y)2.72%
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 2024 0 5 -5 10

1.3 Margins

Looking at the Profit Margin, with a value of 17.50%, TLF belongs to the top of the industry, outperforming 98.35% of the companies in the same industry.
In the last couple of years the Profit Margin of TLF has declined.
With a Operating Margin value of 0.33%, TLF is not doing good in the industry: 61.98% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of TLF has declined.
TLF has a better Gross Margin (56.10%) than 85.12% of its industry peers.
TLF's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 0.33%
PM (TTM) 17.5%
GM 56.1%
OM growth 3Y-32.81%
OM growth 5YN/A
PM growth 3Y-12.03%
PM growth 5YN/A
GM growth 3Y-0.39%
GM growth 5Y0.07%
TLF Yearly Profit, Operating, Gross MarginsTLF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
The number of shares outstanding for TLF has been increased compared to 1 year ago.
TLF has less shares outstanding than it did 5 years ago.
TLF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TLF Yearly Shares OutstandingTLF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 20M 40M 60M 80M

2.2 Solvency

TLF has an Altman-Z score of 3.60. This indicates that TLF is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.60, TLF belongs to the top of the industry, outperforming 81.82% 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 N/A
Altman-Z 3.6
ROIC/WACC0.03
WACC9.48%
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 2024 0 20M 40M

2.3 Liquidity

A Current Ratio of 4.51 indicates that TLF has no problem at all paying its short term obligations.
With an excellent Current ratio value of 4.51, TLF belongs to the best of the industry, outperforming 97.52% of the companies in the same industry.
TLF has a Quick Ratio of 1.90. This is a normal value and indicates that TLF is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 1.90, TLF belongs to the best of the industry, outperforming 89.26% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.51
Quick Ratio 1.9
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 2024 10M 20M 30M 40M 50M

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1

3. Growth

3.1 Past

TLF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 248.60%, which is quite impressive.
Measured over the past years, TLF shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -16.19% on average per year.
TLF shows a decrease in Revenue. In the last year, the revenue decreased by -1.32%.
Measured over the past years, TLF shows a decrease in Revenue. The Revenue has been decreasing by -0.14% on average per year.
EPS 1Y (TTM)248.6%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%2286.41%
Revenue 1Y (TTM)-1.32%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%-1.24%

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 2024 20M 40M 60M 80M
TLF Yearly EPS VS EstimatesTLF Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 0.05 0.1 0.15 0.2 0.25

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.11 indicates a rather cheap valuation of TLF.
99.17% of the companies in the same industry are more expensive than TLF, based on the Price/Earnings ratio.
TLF is valuated cheaply when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.11
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

96.69% of the companies in the same industry are more expensive than TLF, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.5
TLF Per share dataTLF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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

TLF has a Yearly Dividend Yield of 48.70%, which is a nice return.
Compared to an average industry Dividend Yield of 5.27, 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 2.42.
Industry RankSector Rank
Dividend Yield 48.7%

5.2 History

TLF is new to the dividend game and has less than 3 years of track record.
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

DPN/A
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 2024 0 5M -5M 10M -10M

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TANDY LEATHER FACTORY INC

NASDAQ:TLF (7/2/2025, 8:00:34 PM)

3.19

+0.04 (+1.27%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)05-12 2025-05-12
Earnings (Next)08-05 2025-08-05
Inst Owners57.21%
Inst Owner Change1.49%
Ins Owners0.43%
Ins Owner Change0%
Market Cap27.15M
Analysts80
Price TargetN/A
Short Float %0.14%
Short Ratio0.68
Dividend
Industry RankSector Rank
Dividend Yield 48.7%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
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 2.11
Fwd PE N/A
P/S 0.37
P/FCF N/A
P/OCF 9.28
P/B 0.48
P/tB 0.48
EV/EBITDA 2.5
EPS(TTM)1.51
EY47.34%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)0.34
OCFY10.78%
SpS8.71
BVpS6.68
TBVpS6.68
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 16.66%
ROE 22.81%
ROCE 0.37%
ROIC 0.3%
ROICexc 0.46%
ROICexgc 0.46%
OM 0.33%
PM (TTM) 17.5%
GM 56.1%
FCFM N/A
ROA(3y)2.71%
ROA(5y)0.7%
ROE(3y)3.51%
ROE(5y)0.75%
ROIC(3y)2.72%
ROIC(5y)N/A
ROICexc(3y)3.32%
ROICexc(5y)N/A
ROICexgc(3y)3.32%
ROICexgc(5y)N/A
ROCE(3y)3.42%
ROCE(5y)N/A
ROICexcg growth 3Y-35.57%
ROICexcg growth 5YN/A
ROICexc growth 3Y-35.57%
ROICexc growth 5YN/A
OM growth 3Y-32.81%
OM growth 5YN/A
PM growth 3Y-12.03%
PM growth 5YN/A
GM growth 3Y-0.39%
GM growth 5Y0.07%
F-Score4
Asset Turnover0.95
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr 295.97%
Cap/Sales 4.16%
Interest Coverage 250
Cash Conversion 227.88%
Profit Quality N/A
Current Ratio 4.51
Quick Ratio 1.9
Altman-Z 3.6
F-Score4
WACC9.48%
ROIC/WACC0.03
Cap/Depr(3y)117.84%
Cap/Depr(5y)114.41%
Cap/Sales(3y)1.85%
Cap/Sales(5y)1.76%
Profit Quality(3y)111.94%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)248.6%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%2286.41%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.32%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%-1.24%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-94.09%
EBIT growth 3Y-35.12%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-114.64%
FCF growth 3Y-16.83%
FCF growth 5Y-31.26%
OCF growth 1Y75.21%
OCF growth 3Y6.93%
OCF growth 5Y-15.36%