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TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Price, Quote, News and Overview

TSX:TF-DB-E - Toronto Stock Exchange - CA88709BAF19 - Currency: CAD

97.44  +0.94 (+0.97%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to TF-DB-E. TF-DB-E was compared to 29 industry peers in the Financial Services industry. While TF-DB-E is still in line with the averages on profitability rating, there are concerns on its financial health. TF-DB-E is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year TF-DB-E was profitable.
In the past year TF-DB-E has reported a negative cash flow from operations.
In the past 5 years TF-DB-E has always been profitable.
Of the past 5 years TF-DB-E 4 years had a positive operating cash flow.
TF-DB-E.CA Yearly Net Income VS EBIT VS OCF VS FCFTF-DB-E.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-E has a Return On Assets (2.60%) which is in line with its industry peers.
TF-DB-E has a Return On Equity (6.79%) which is in line with its industry peers.
The Return On Invested Capital of TF-DB-E (3.17%) is worse than 68.97% of its industry peers.
TF-DB-E had an Average Return On Invested Capital over the past 3 years of 3.56%. This 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-E.CA Yearly ROA, ROE, ROICTF-DB-E.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-E has a Profit Margin (28.87%) which is in line with its industry peers.
In the last couple of years the Profit Margin of TF-DB-E has declined.
The Operating Margin of TF-DB-E (48.34%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of TF-DB-E has declined.
TF-DB-E has a Gross Margin of 77.25%. This is amongst the best in the industry. TF-DB-E outperforms 93.10% of its industry peers.
In the last couple of years the Gross Margin of TF-DB-E has remained more or less at the same level.
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-E.CA Yearly Profit, Operating, Gross MarginsTF-DB-E.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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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF-DB-E is destroying value.
TF-DB-E has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, TF-DB-E has less shares outstanding
Compared to 1 year ago, TF-DB-E has an improved debt to assets ratio.
TF-DB-E.CA Yearly Shares OutstandingTF-DB-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TF-DB-E.CA Yearly Total Debt VS Total AssetsTF-DB-E.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

An Altman-Z score of 4.35 indicates that TF-DB-E is not in any danger for bankruptcy at the moment.
With a Altman-Z score value of 4.35, TF-DB-E perfoms like the industry average, outperforming 48.28% of the companies in the same industry.
A Debt/Equity ratio of 1.59 is on the high side and indicates that TF-DB-E has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.59, TF-DB-E is in line with its industry, outperforming 41.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF N/A
Altman-Z 4.35
ROIC/WACC0.44
WACC7.26%
TF-DB-E.CA Yearly LT Debt VS Equity VS FCFTF-DB-E.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

A Current Ratio of 0.02 indicates that TF-DB-E may have some problems paying its short term obligations.
The Current ratio of TF-DB-E (0.02) is worse than 72.41% of its industry peers.
TF-DB-E has a Quick Ratio of 0.02. This is a bad value and indicates that TF-DB-E is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.02, TF-DB-E is not doing good in the industry: 72.41% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
TF-DB-E.CA Yearly Current Assets VS Current LiabilitesTF-DB-E.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

The earnings per share for TF-DB-E have decreased strongly by -22.97% in the last year.
TF-DB-E 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-E 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-E 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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
TF-DB-E.CA Yearly Revenue VS EstimatesTF-DB-E.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-E.CA Yearly EPS VS EstimatesTF-DB-E.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

TF-DB-E is valuated quite expensively with a Price/Earnings ratio of 170.95.
Compared to the rest of the industry, the Price/Earnings ratio of TF-DB-E indicates a slightly more expensive valuation: TF-DB-E is more expensive than 68.97% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TF-DB-E to the average of the S&P500 Index (27.50), we can say TF-DB-E is valued expensively.
Based on the Price/Forward Earnings ratio of 137.77, the valuation of TF-DB-E can be described as expensive.
62.07% of the companies in the same industry are cheaper than TF-DB-E, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, TF-DB-E is valued quite expensively.
Industry RankSector Rank
PE 170.95
Fwd PE 137.77
TF-DB-E.CA Price Earnings VS Forward Price EarningsTF-DB-E.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-E.CA Per share dataTF-DB-E.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-E does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as TF-DB-E's earnings are expected to grow with 12.38% in the coming years.
PEG (NY)7.56
PEG (5Y)N/A
EPS Next 2Y12.38%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

TF-DB-E has a Yearly Dividend Yield of 8.86%, which is a nice return.
TF-DB-E's Dividend Yield is rather good when compared to the industry average which is at 6.39. TF-DB-E pays more dividend than 82.76% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, TF-DB-E pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.86%

5.2 History

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

TF-DB-E pays out 110.50% of its income as dividend. This is not a sustainable payout ratio.
TF-DB-E'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-E.CA Yearly Income VS Free CF VS DividendTF-DB-E.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-E.CA Dividend Payout.TF-DB-E.CA Dividend Payout, showing the Payout Ratio.TF-DB-E.CA Dividend Payout.PayoutRetained Earnings

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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-E (7/18/2025, 7:00:00 PM)

97.44

+0.94 (+0.97%)

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 Cap8.06B
Analysts80
Price Target101.67 (4.34%)
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)-5.17%
PT rev (3m)-13.11%
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 170.95
Fwd PE 137.77
P/S 50
P/FCF N/A
P/OCF N/A
P/B 11.76
P/tB 11.76
EV/EBITDA N/A
EPS(TTM)0.57
EY0.58%
EPS(NY)0.71
Fwd EY0.73%
FCF(TTM)-0.94
FCFYN/A
OCF(TTM)-0.93
OCFYN/A
SpS1.95
BVpS8.29
TBVpS8.29
PEG (NY)7.56
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 4.35
F-Score4
WACC7.26%
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