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TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Quote, News and Overview

TSX:TF-DB-D - Toronto Stock Exchange - CA88709BAE44 - Currency: CAD

98.5  +0.5 (+0.51%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to TF-DB-D. TF-DB-D was compared to 29 industry peers in the Financial Services industry. TF-DB-D may be in some trouble as it scores bad on both profitability and health. TF-DB-D is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

TF-DB-D had positive earnings in the past year.
TF-DB-D had a negative operating cash flow in the past year.
TF-DB-D had positive earnings in each of the past 5 years.
Of the past 5 years TF-DB-D 4 years had a positive operating cash flow.
TF-DB-D.CA Yearly Net Income VS EBIT VS OCF VS FCFTF-DB-D.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

TF-DB-D's Return On Assets of 2.60% is in line compared to the rest of the industry. TF-DB-D outperforms 51.72% of its industry peers.
TF-DB-D has a Return On Equity of 6.79%. This is in the lower half of the industry: TF-DB-D underperforms 62.07% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.17%, TF-DB-D is doing worse than 72.41% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-D is below the industry average of 5.71%.
Industry RankSector Rank
ROA 2.6%
ROE 6.79%
ROIC 3.17%
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-D.CA Yearly ROA, ROE, ROICTF-DB-D.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-D has a Profit Margin (28.87%) which is comparable to the rest of the industry.
TF-DB-D's Profit Margin has declined in the last couple of years.
TF-DB-D has a Operating Margin (48.34%) which is in line with its industry peers.
In the last couple of years the Operating Margin of TF-DB-D has declined.
TF-DB-D's Gross Margin of 77.25% is amongst the best of the industry. TF-DB-D outperforms 89.66% of its industry peers.
TF-DB-D's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 48.34%
PM (TTM) 28.87%
GM 77.25%
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-D.CA Yearly Profit, Operating, Gross MarginsTF-DB-D.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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2

2. Health

2.1 Basic Checks

TF-DB-D has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for TF-DB-D remains at a similar level compared to 1 year ago.
The number of shares outstanding for TF-DB-D has been reduced compared to 5 years ago.
Compared to 1 year ago, TF-DB-D has an improved debt to assets ratio.
TF-DB-D.CA Yearly Shares OutstandingTF-DB-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TF-DB-D.CA Yearly Total Debt VS Total AssetsTF-DB-D.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

TF-DB-D has an Altman-Z score of 4.40. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of TF-DB-D (4.40) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.59 is on the high side and indicates that TF-DB-D has dependencies on debt financing.
TF-DB-D has a Debt to Equity ratio of 1.59. This is in the lower half of the industry: TF-DB-D underperforms 62.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF N/A
Altman-Z 4.4
ROIC/WACC0.44
WACC7.27%
TF-DB-D.CA Yearly LT Debt VS Equity VS FCFTF-DB-D.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

TF-DB-D has a Current Ratio of 0.02. This is a bad value and indicates that TF-DB-D is not financially healthy enough and could expect problems in meeting its short term obligations.
TF-DB-D has a Current ratio of 0.02. This is in the lower half of the industry: TF-DB-D underperforms 75.86% of its industry peers.
A Quick Ratio of 0.02 indicates that TF-DB-D may have some problems paying its short term obligations.
TF-DB-D has a Quick ratio of 0.02. This is in the lower half of the industry: TF-DB-D underperforms 75.86% of its industry peers.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
TF-DB-D.CA Yearly Current Assets VS Current LiabilitesTF-DB-D.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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4

3. Growth

3.1 Past

TF-DB-D shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.97%.
TF-DB-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
Looking at the last year, TF-DB-D shows a decrease in Revenue. The Revenue has decreased by -8.46% in the last year.
The Revenue has been growing slightly by 4.88% on average over the past years.
EPS 1Y (TTM)-22.97%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%5.88%
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-29.72%

3.2 Future

The Earnings Per Share is expected to grow by 12.38% on average over the next years. This is quite good.
Based on estimates for the next years, TF-DB-D will show a small growth in Revenue. The Revenue will grow by 6.89% on average per year.
EPS Next Y22.62%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.36%
Revenue Next 2Y6.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
TF-DB-D.CA Yearly Revenue VS EstimatesTF-DB-D.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-D.CA Yearly EPS VS EstimatesTF-DB-D.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 172.81, which means the current valuation is very expensive for TF-DB-D.
72.41% of the companies in the same industry are cheaper than TF-DB-D, based on the Price/Earnings ratio.
TF-DB-D's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.50.
With a Price/Forward Earnings ratio of 139.27, TF-DB-D can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, TF-DB-D is valued a bit more expensive than the industry average as 65.52% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, TF-DB-D is valued quite expensively.
Industry RankSector Rank
PE 172.81
Fwd PE 139.27
TF-DB-D.CA Price Earnings VS Forward Price EarningsTF-DB-D.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-D.CA Per share dataTF-DB-D.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 TF-DB-D does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as TF-DB-D's earnings are expected to grow with 12.38% in the coming years.
PEG (NY)7.64
PEG (5Y)N/A
EPS Next 2Y12.38%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.86%, TF-DB-D is a good candidate for dividend investing.
TF-DB-D's Dividend Yield is rather good when compared to the industry average which is at 6.39. TF-DB-D pays more dividend than 96.55% of the companies in the same industry.
TF-DB-D's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 8.86%

5.2 History

The dividend of TF-DB-D has a limited annual growth rate of 1.26%.
TF-DB-D 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

110.50% of the earnings are spent on dividend by TF-DB-D. This is not a sustainable payout ratio.
TF-DB-D's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP110.5%
EPS Next 2Y12.38%
EPS Next 3YN/A
TF-DB-D.CA Yearly Income VS Free CF VS DividendTF-DB-D.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-D.CA Dividend Payout.TF-DB-D.CA Dividend Payout, showing the Payout Ratio.TF-DB-D.CA Dividend Payout.PayoutRetained Earnings

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TIMBERCREEK FINA

TSX:TF-DB-D (7/16/2025, 7:00:00 PM)

98.5

+0.5 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-26 2025-05-26/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners3.94%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.15B
Analysts80
Price Target101.57 (3.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.86%
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP110.5%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-38.92%
Min EPS beat(2)-82.17%
Max EPS beat(2)4.33%
EPS beat(4)2
Avg EPS beat(4)-20.91%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-12.9%
EPS beat(12)3
Avg EPS beat(12)-10.44%
EPS beat(16)3
Avg EPS beat(16)-9.19%
Revenue beat(2)2
Avg Revenue beat(2)3.72%
Min Revenue beat(2)2.85%
Max Revenue beat(2)4.6%
Revenue beat(4)3
Avg Revenue beat(4)10.3%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)45.59%
Revenue beat(8)7
Avg Revenue beat(8)27.33%
Revenue beat(12)11
Avg Revenue beat(12)29.55%
Revenue beat(16)15
Avg Revenue beat(16)26.51%
PT rev (1m)0%
PT rev (3m)-5.65%
EPS NQ rev (1m)4.08%
EPS NQ rev (3m)4.08%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.7%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.15%
Valuation
Industry RankSector Rank
PE 172.81
Fwd PE 139.27
P/S 50.54
P/FCF N/A
P/OCF N/A
P/B 11.89
P/tB 11.89
EV/EBITDA N/A
EPS(TTM)0.57
EY0.58%
EPS(NY)0.71
Fwd EY0.72%
FCF(TTM)-0.94
FCFYN/A
OCF(TTM)-0.93
OCFYN/A
SpS1.95
BVpS8.29
TBVpS8.29
PEG (NY)7.64
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.6%
ROE 6.79%
ROCE 5.42%
ROIC 3.17%
ROICexc 3.18%
ROICexgc 3.19%
OM 48.34%
PM (TTM) 28.87%
GM 77.25%
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-Score4
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.32
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z 4.4
F-Score4
WACC7.27%
ROIC/WACC0.44
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)-22.97%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%5.88%
EPS Next Y22.62%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-29.72%
Revenue Next Year10.36%
Revenue Next 2Y6.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-19.73%
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-185.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.97%
OCF growth 3YN/A
OCF growth 5YN/A