TANDY LEATHER FACTORY INC (TLF) Stock Fundamental Analysis

NASDAQ:TLF • US87538X1054

3.1 USD
+0.01 (+0.32%)
At close: Feb 20, 2026
3.1 USD
0 (0%)
After Hours: 2/20/2026, 8:07:33 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to TLF. TLF was compared to 121 industry peers in the Specialty Retail industry. While TLF has a great health rating, its profitability is only average at the moment. TLF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • TLF had positive earnings in the past year.
  • TLF had a negative operating cash flow in the past year.
  • TLF had positive earnings in 4 of the past 5 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 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 13.55%, TLF belongs to the best of the industry, outperforming 90.08% of the companies in the same industry.
  • TLF's Return On Equity of 21.46% is amongst the best of the industry. TLF outperforms 80.99% of its industry peers.
Industry RankSector Rank
ROA 13.55%
ROE 21.46%
ROIC N/A
ROA(3y)2.71%
ROA(5y)0.7%
ROE(3y)3.51%
ROE(5y)0.75%
ROIC(3y)N/A
ROIC(5y)N/A
TLF Yearly ROA, ROE, ROICTLF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • TLF has a better Profit Margin (15.37%) than 97.52% of its industry peers.
  • In the last couple of years the Profit Margin of TLF has declined.
  • In the last couple of years the Operating Margin of TLF has declined.
  • With an excellent Gross Margin value of 56.75%, TLF belongs to the best of the industry, outperforming 84.30% of the companies in the same industry.
  • In the last couple of years the Gross Margin of TLF has remained more or less at the same level.
Industry RankSector Rank
OM N/A
PM (TTM) 15.37%
GM 56.75%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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8

2. Health

2.1 Basic Checks

  • TLF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, TLF has more shares outstanding
  • The number of shares outstanding for TLF has been reduced compared to 5 years ago.
  • There is no outstanding debt for TLF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TLF Yearly Shares OutstandingTLF Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

2.2 Solvency

  • An Altman-Z score of 2.95 indicates that TLF is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.95, TLF is in the better half of the industry, outperforming 69.42% of the companies in the same industry.
  • There is no outstanding debt for TLF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 2.95
ROIC/WACCN/A
WACC9.71%
TLF Yearly LT Debt VS Equity VS FCFTLF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

2.3 Liquidity

  • TLF has a Current Ratio of 5.22. This indicates that TLF is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 5.22, TLF belongs to the best of the industry, outperforming 97.52% of the companies in the same industry.
  • A Quick Ratio of 1.44 indicates that TLF should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.44, TLF belongs to the top of the industry, outperforming 84.30% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 5.22
Quick Ratio 1.44
TLF Yearly Current Assets VS Current LiabilitesTLF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 363.50% over the past year.
  • TLF shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -16.19% yearly.
  • The Revenue has decreased by -0.28% in the past year.
  • The Revenue has been decreasing by -0.14% on average over the past years.
EPS 1Y (TTM)363.5%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%-730%
Revenue 1Y (TTM)-0.28%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%-0.52%

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 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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2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.35, the valuation of TLF can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of TLF indicates a rather cheap valuation: TLF is cheaper than 99.17% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, TLF is valued rather cheaply.
Industry RankSector Rank
PE 2.35
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

  • Based on the Enterprise Value to EBITDA ratio, TLF is valued a bit more expensive than 66.12% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 36.19
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 24.19%, TLF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.25, TLF pays a better dividend. On top of this TLF pays more dividend than 99.17% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, TLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 24.19%

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 2026 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M

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TANDY LEATHER FACTORY INC

NASDAQ:TLF (2/20/2026, 8:07:33 PM)

After market: 3.1 0 (0%)

3.1

+0.01 (+0.32%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)11-10
Earnings (Next)02-24
Inst Owners57.83%
Inst Owner Change3.17%
Ins Owners0.45%
Ins Owner Change0%
Market Cap25.02M
Revenue(TTM)74.55M
Net Income(TTM)11.46M
Analysts80
Price TargetN/A
Short Float %0.17%
Short Ratio0.32
Dividend
Industry RankSector Rank
Dividend Yield 24.19%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-25
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 2.35
Fwd PE N/A
P/S 0.34
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.47
EV/EBITDA 36.19
EPS(TTM)1.32
EY42.58%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.03
FCFYN/A
OCF(TTM)-0.13
OCFYN/A
SpS9.24
BVpS6.61
TBVpS6.61
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.02
Profitability
Industry RankSector Rank
ROA 13.55%
ROE 21.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.37%
GM 56.75%
FCFM N/A
ROA(3y)2.71%
ROA(5y)0.7%
ROE(3y)3.51%
ROE(5y)0.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.42%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
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 Turnover0.88
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr 844.01%
Cap/Sales 9.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 5.22
Quick Ratio 1.44
Altman-Z 2.95
F-Score4
WACC9.71%
ROIC/WACCN/A
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)363.5%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%-730%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.28%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%-0.52%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-107.72%
EBIT growth 3Y-35.12%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-234.13%
FCF growth 3Y-16.83%
FCF growth 5Y-31.26%
OCF growth 1Y-116.26%
OCF growth 3Y6.93%
OCF growth 5Y-15.36%

TANDY LEATHER FACTORY INC / TLF FAQ

What is the ChartMill fundamental rating of TANDY LEATHER FACTORY INC (TLF) stock?

ChartMill assigns a fundamental rating of 5 / 10 to TLF.


What is the valuation status of TANDY LEATHER FACTORY INC (TLF) stock?

ChartMill assigns a valuation rating of 2 / 10 to TANDY LEATHER FACTORY INC (TLF). This can be considered as Overvalued.


Can you provide the profitability details for TANDY LEATHER FACTORY INC?

TANDY LEATHER FACTORY INC (TLF) has a profitability rating of 5 / 10.


What is the financial health of TANDY LEATHER FACTORY INC (TLF) stock?

The financial health rating of TANDY LEATHER FACTORY INC (TLF) is 8 / 10.