TIMBERCREEK FINA (TF-DB-D.CA) Stock Price, Forecast & Analysis
Canada - TSX:TF-DB-D - CA88709BAE44
99.75 CAD
-0.25 (-0.25%)
We assign a fundamental rating of 3 out of 10 to TF-DB-D. TF-DB-D was compared to 27 industry peers in the Financial Services industry. While TF-DB-D is still in line with the averages on profitability rating, there are concerns on its financial health. TF-DB-D does not seem to be growing, but still is valued expensively.
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.
TF-DB-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.38%, TF-DB-D is in line with its industry, outperforming 51.85% of the companies in the same industry.
TF-DB-D's Return On Equity of 6.37% is in line compared to the rest of the industry. TF-DB-D outperforms 40.74% of its industry peers.
TF-DB-D has a Return On Invested Capital of 2.93%. This is in the lower half of the industry: TF-DB-D underperforms 66.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-D is in line with the industry average of 5.03%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROIC | 2.93% |
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's Profit Margin of 27.93% is in line compared to the rest of the industry. TF-DB-D outperforms 48.15% of its industry peers.
TF-DB-D's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 47.36%, TF-DB-D perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
TF-DB-D's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 76.24%, TF-DB-D belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
TF-DB-D's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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
The debt/assets ratio for TF-DB-D has been reduced compared to a year ago.
2.2 Solvency
TF-DB-D has an Altman-Z score of 4.47. This indicates that TF-DB-D is financially healthy and has little risk of bankruptcy at the moment.
With a Altman-Z score value of 4.47, TF-DB-D perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
A Debt/Equity ratio of 1.66 is on the high side and indicates that TF-DB-D has dependencies on debt financing.
With a Debt to Equity ratio value of 1.66, TF-DB-D is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.47 |
ROIC/WACC0.4
WACC7.28%
2.3 Liquidity
TF-DB-D has a Current Ratio of 0.14. 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's Current ratio of 0.14 is in line compared to the rest of the industry. TF-DB-D outperforms 51.85% of its industry peers.
A Quick Ratio of 0.14 indicates that TF-DB-D may have some problems paying its short term obligations.
TF-DB-D has a Quick ratio of 0.14. This is comparable to the rest of the industry: TF-DB-D outperforms 51.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
The earnings per share for TF-DB-D have decreased strongly by -27.40% in the last year.
TF-DB-D shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
The Revenue for TF-DB-D has decreased by -10.40% in the past year. This is quite bad
TF-DB-D shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
EPS 1Y (TTM)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-39.32%
3.2 Future
The Earnings Per Share is expected to grow by 14.88% 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 5.61% on average per year.
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.73%
Revenue Next 2Y5.61%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 188.21 indicates a quite expensive valuation of TF-DB-D.
TF-DB-D's Price/Earnings ratio is a bit more expensive when compared to the industry. TF-DB-D is more expensive than 74.07% of the companies in the same industry.
TF-DB-D's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.51.
A Price/Forward Earnings ratio of 134.98 indicates a quite expensive valuation of TF-DB-D.
Based on the Price/Forward Earnings ratio, TF-DB-D is valued a bit more expensive than 66.67% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.53. TF-DB-D is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 188.21 | ||
| Fwd PE | 134.98 |
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 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 14.88% in the coming years.
PEG (NY)6.99
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TF-DB-D has a Yearly Dividend Yield of 10.16%, which is a nice return.
Compared to an average industry Dividend Yield of 6.94, TF-DB-D pays a better dividend. On top of this TF-DB-D pays more dividend than 92.59% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, TF-DB-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.16% |
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
118.44% 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.
DP118.44%
EPS Next 2Y14.88%
EPS Next 3YN/A
TSX:TF-DB-D (10/30/2025, 7:00:00 PM)
99.75
-0.25 (-0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners3.2%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap8.25B
Revenue(TTM)156.02M
Net Income(TTM)43.57M
Analysts80
Price Target115.35 (15.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.16% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP118.44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5%
Min EPS beat(2)-14.33%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-25.12%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-14.33%
EPS beat(12)2
Avg EPS beat(12)-11.87%
EPS beat(16)3
Avg EPS beat(16)-9.67%
Revenue beat(2)1
Avg Revenue beat(2)-4.8%
Min Revenue beat(2)-12.45%
Max Revenue beat(2)2.85%
Revenue beat(4)2
Avg Revenue beat(4)-4.21%
Min Revenue beat(4)-12.45%
Max Revenue beat(4)4.6%
Revenue beat(8)6
Avg Revenue beat(8)21.13%
Revenue beat(12)10
Avg Revenue beat(12)26.14%
Revenue beat(16)14
Avg Revenue beat(16)24.33%
PT rev (1m)6.74%
PT rev (3m)13.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)3.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 188.21 | ||
| Fwd PE | 134.98 | ||
| P/S | 52.91 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.08 | ||
| P/tB | 12.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.53
EY0.53%
EPS(NY)0.74
Fwd EY0.74%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)6.99
PEG (5Y)N/A
Graham Number9.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROCE | 4.07% | ||
| ROIC | 2.93% | ||
| ROICexc | 2.93% | ||
| ROICexgc | 2.94% | ||
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% | ||
| 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 | 1.66 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | 4.47 |
F-Score3
WACC7.28%
ROIC/WACC0.4
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)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%-39.32%
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-21.66%
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-201.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.88%
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 99.75 CAD. The price decreased by -0.25% in the last trading session.
What is the ChartMill rating of TIMBERCREEK FINA stock?
TF-DB-D.CA has a ChartMill Technical rating of 6 out of 10 and a ChartMill Fundamental rating of 3 out of 10.