TIMBERCREEK FINANCIAL CO (TF-DB-E.CA) Stock Price, Forecast & Analysis
Canada - TSX:TF-DB-E - CA88709BAF19
98.2 CAD
-0.4 (-0.41%)
TF-DB-E gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 27 industry peers in the Financial Services industry. TF-DB-E has a medium profitability rating, but doesn't score so well on its financial health evaluation. TF-DB-E has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
TF-DB-E had positive earnings in the past year.
In the past year TF-DB-E has reported a negative cash flow from operations.
TF-DB-E had positive earnings in each of the past 5 years.
TF-DB-E 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 2.17%, TF-DB-E is in line with its industry, outperforming 59.26% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.60%, TF-DB-E is in line with its industry, outperforming 48.15% of the companies in the same industry.
With a Return On Invested Capital value of 2.80%, TF-DB-E is not doing good in the industry: 62.96% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-E is below the industry average of 5.61%.
| 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-E's Profit Margin of 24.62% is in line compared to the rest of the industry. TF-DB-E outperforms 55.56% of its industry peers.
In the last couple of years the Profit Margin of TF-DB-E has declined.
With a decent Operating Margin value of 43.60%, TF-DB-E is doing good in the industry, outperforming 62.96% of the companies in the same industry.
TF-DB-E's Operating Margin has declined in the last couple of years.
TF-DB-E has a better Gross Margin (74.20%) than 92.59% 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 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-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
The debt/assets ratio for TF-DB-E has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.74 indicates that TF-DB-E is not in any danger for bankruptcy at the moment.
TF-DB-E has a Altman-Z score (4.74) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.55 is on the high side and indicates that TF-DB-E has dependencies on debt financing.
TF-DB-E has a Debt to Equity ratio (1.55) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.74 |
ROIC/WACC0.38
WACC7.27%
2.3 Liquidity
A Current Ratio of 0.10 indicates that TF-DB-E may have some problems paying its short term obligations.
TF-DB-E has a Current ratio (0.10) which is comparable to the rest of the industry.
TF-DB-E has a Quick Ratio of 0.10. 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.
Looking at the Quick ratio, with a value of 0.10, TF-DB-E is in line with its industry, outperforming 40.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
The earnings per share for TF-DB-E have decreased strongly by -28.21% 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 -8.53% in the last year.
TF-DB-E shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
EPS 1Y (TTM)-28.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-39.63%
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%46.16%
3.2 Future
The Earnings Per Share is expected to grow by 8.27% on average over the next years. This is quite good.
TF-DB-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.74% yearly.
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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-E is valuated quite expensively with a Price/Earnings ratio of 175.36.
62.96% of the companies in the same industry are cheaper than TF-DB-E, based on the Price/Earnings ratio.
TF-DB-E's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.56.
A Price/Forward Earnings ratio of 140.21 indicates a quite expensive valuation of TF-DB-E.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-E is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 34.62. TF-DB-E is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 175.36 | ||
| Fwd PE | 140.21 |
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)11.38
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y8.27%
5. Dividend
5.1 Amount
TF-DB-E has a Yearly Dividend Yield of 10.30%, which is a nice return.
TF-DB-E's Dividend Yield is rather good when compared to the industry average which is at 6.79. TF-DB-E pays more dividend than 88.89% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, TF-DB-E pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.3% |
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
136.17% of the earnings are spent on dividend by TF-DB-E. This is not a sustainable payout ratio.
The dividend of TF-DB-E is growing, but earnings are growing more, so the dividend growth is sustainable.
DP136.17%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
TSX:TF-DB-E (11/17/2025, 7:00:00 PM)
98.2
-0.4 (-0.41%)
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 Cap8.13B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target114.58 (16.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.3% |
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)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)1
Avg Revenue beat(2)14.58%
Min Revenue beat(2)-12.45%
Max Revenue beat(2)41.61%
Revenue beat(4)3
Avg Revenue beat(4)9.15%
Min Revenue beat(4)-12.45%
Max Revenue beat(4)41.61%
Revenue beat(8)6
Avg Revenue beat(8)21.57%
Revenue beat(12)10
Avg Revenue beat(12)26.37%
Revenue beat(16)14
Avg Revenue beat(16)26.14%
PT rev (1m)8.43%
PT rev (3m)12.7%
EPS NQ rev (1m)-5.8%
EPS NQ rev (3m)-5.8%
EPS NY rev (1m)-9.06%
EPS NY rev (3m)-5.88%
Revenue NQ rev (1m)-13.65%
Revenue NQ rev (3m)-13.65%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-5.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 175.36 | ||
| Fwd PE | 140.21 | ||
| P/S | 52.68 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 11.99 | ||
| P/tB | 11.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.56
EY0.57%
EPS(NY)0.7
Fwd EY0.71%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)11.38
PEG (5Y)N/A
Graham Number10.16
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 | 4.74 |
F-Score3
WACC7.27%
ROIC/WACC0.38
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)-28.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-39.63%
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%46.16%
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
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 FINANCIAL CO / TF-DB-E.CA FAQ
What does TF-DB-E do?
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.
What is the stock price of TIMBERCREEK FINANCIAL CO today?
The current stock price of TF-DB-E.CA is 98.2 CAD. The price decreased by -0.41% in the last trading session.
How is the ChartMill rating for TIMBERCREEK FINANCIAL CO?
TF-DB-E.CA has a ChartMill Technical rating of 3 out of 10 and a ChartMill Fundamental rating of 3 out of 10.