TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-D - CA88709BAE44
99 CAD
-0.99 (-0.99%)
Taking everything into account, TF-DB-D scores 3 out of 10 in our fundamental rating. TF-DB-D was compared to 28 industry peers in the Financial Services industry. There are concerns on the financial health of TF-DB-D while its profitability can be described as average. TF-DB-D is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year TF-DB-D was profitable.
TF-DB-D had a negative operating cash flow in the past year.
In the past 5 years TF-DB-D has always been profitable.
Of the past 5 years TF-DB-D 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 2.17%, TF-DB-D perfoms like the industry average, outperforming 53.57% of the companies in the same industry.
TF-DB-D has a Return On Equity (5.60%) which is comparable to the rest of the industry.
TF-DB-D has a Return On Invested Capital of 2.80%. This is in the lower half of the industry: TF-DB-D underperforms 67.86% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-D is below the industry average of 5.82%.
| 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
TF-DB-D has a Profit Margin (24.62%) which is in line with its industry peers.
In the last couple of years the Profit Margin of TF-DB-D has declined.
The Operating Margin of TF-DB-D (43.60%) is comparable to the rest of the industry.
TF-DB-D's Operating Margin has declined in the last couple of years.
TF-DB-D has a Gross Margin of 74.20%. This is amongst the best in the industry. TF-DB-D outperforms 89.29% of its industry peers.
In the last couple of years the Gross Margin of TF-DB-D 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF-DB-D is destroying value.
Compared to 1 year ago, TF-DB-D has about the same amount of shares outstanding.
Compared to 5 years ago, TF-DB-D has less shares outstanding
Compared to 1 year ago, TF-DB-D has an improved debt to assets ratio.
2.2 Solvency
TF-DB-D has an Altman-Z score of 4.76. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
TF-DB-D has a Altman-Z score of 4.76. This is comparable to the rest of the industry: TF-DB-D outperforms 53.57% of its industry peers.
A Debt/Equity ratio of 1.55 is on the high side and indicates that TF-DB-D has dependencies on debt financing.
The Debt to Equity ratio of TF-DB-D (1.55) is worse than 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.76 |
ROIC/WACC0.39
WACC7.19%
2.3 Liquidity
A Current Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.10, TF-DB-D is doing worse than 64.29% of the companies in the same industry.
A Quick Ratio of 0.10 indicates that TF-DB-D may have some problems paying its short term obligations.
TF-DB-D has a Quick ratio of 0.10. This is in the lower half of the industry: TF-DB-D underperforms 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
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 -35.21%.
The Earnings Per Share has been decreasing by -3.23% on average over the past years.
TF-DB-D shows a decrease in Revenue. In the last year, the revenue decreased by -8.53%.
Measured over the past years, TF-DB-D 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-D will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.96% on average per year.
TF-DB-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.76% yearly.
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
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
TF-DB-D is valuated quite expensively with a Price/Earnings ratio of 215.22.
67.86% 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 26.34.
With a Price/Forward Earnings ratio of 142.04, TF-DB-D can be considered very expensive at the moment.
TF-DB-D's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TF-DB-D is more expensive than 64.29% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.56. TF-DB-D is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 215.22 | ||
| Fwd PE | 142.04 |
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)27.22
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
TF-DB-D has a Yearly Dividend Yield of 10.34%, which is a nice return.
Compared to an average industry Dividend Yield of 6.84, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 92.86% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, TF-DB-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.34% |
5.2 History
The dividend of TF-DB-D has a limited annual growth rate of 1.26%.
TF-DB-D does not have a reliable dividend history as it only pays dividend since a couple or years.
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-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.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
TSX:TF-DB-D (12/5/2025, 7:00:00 PM)
99
-0.99 (-0.99%)
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 Cap8.19B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target118.5 (19.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.34% |
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)2.74%
PT rev (3m)12.07%
EPS NQ rev (1m)-3.08%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-6.51%
EPS NY rev (3m)-15.89%
Revenue NQ rev (1m)1.47%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-1.85%
Revenue NY rev (3m)-5.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 215.22 | ||
| Fwd PE | 142.04 | ||
| P/S | 53.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.09 | ||
| P/tB | 12.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.46
EY0.46%
EPS(NY)0.7
Fwd EY0.7%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)27.22
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 | 4.76 |
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 FINA / TF-DB-D.CA FAQ
Can you describe the business of TIMBERCREEK FINA?
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.
Can you provide the latest stock price for TIMBERCREEK FINA?
The current stock price of TF-DB-D.CA is 99 CAD. The price decreased by -0.99% in the last trading session.
What is the ChartMill rating of TIMBERCREEK FINA stock?
TF-DB-D.CA has a ChartMill Technical rating of 4 out of 10 and a ChartMill Fundamental rating of 3 out of 10.