TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) Fundamental Analysis & Valuation

TSX:TF-DB-F • CA88709BAG91

103.15 CAD
+0.15 (+0.15%)
Last: Mar 3, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This TF-DB-F.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to TF-DB-F. TF-DB-F was compared to 32 industry peers in the Financial Services industry. There are concerns on the financial health of TF-DB-F while its profitability can be described as average. TF-DB-F does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

4

1. TF-DB-F.CA Profitability Analysis

1.1 Basic Checks

  • In the past year TF-DB-F was profitable.
  • In the past year TF-DB-F has reported a negative cash flow from operations.
  • TF-DB-F had positive earnings in each of the past 5 years.
  • TF-DB-F had a positive operating cash flow in 4 of the past 5 years.
TF-DB-F.CA Yearly Net Income VS EBIT VS OCF VS FCFTF-DB-F.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

  • TF-DB-F's Return On Assets of 2.17% is in line compared to the rest of the industry. TF-DB-F outperforms 59.38% of its industry peers.
  • TF-DB-F has a Return On Equity (5.60%) which is comparable to the rest of the industry.
  • TF-DB-F has a Return On Invested Capital (2.80%) which is comparable to the rest of the industry.
  • TF-DB-F had an Average Return On Invested Capital over the past 3 years of 3.56%. This is below the industry average of 6.74%.
Industry RankSector 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%
TF-DB-F.CA Yearly ROA, ROE, ROICTF-DB-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • With a decent Profit Margin value of 24.62%, TF-DB-F is doing good in the industry, outperforming 62.50% of the companies in the same industry.
  • TF-DB-F's Profit Margin has declined in the last couple of years.
  • TF-DB-F has a Operating Margin of 43.60%. This is in the better half of the industry: TF-DB-F outperforms 65.63% of its industry peers.
  • In the last couple of years the Operating Margin of TF-DB-F has declined.
  • The Gross Margin of TF-DB-F (74.20%) is better than 87.50% of its industry peers.
  • TF-DB-F's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
TF-DB-F.CA Yearly Profit, Operating, Gross MarginsTF-DB-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. TF-DB-F.CA Health Analysis

2.1 Basic Checks

  • TF-DB-F has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, TF-DB-F has about the same amount of shares outstanding.
  • The number of shares outstanding for TF-DB-F has been reduced compared to 5 years ago.
  • Compared to 1 year ago, TF-DB-F has an improved debt to assets ratio.
TF-DB-F.CA Yearly Shares OutstandingTF-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TF-DB-F.CA Yearly Total Debt VS Total AssetsTF-DB-F.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • TF-DB-F has an Altman-Z score of 4.95. This indicates that TF-DB-F is financially healthy and has little risk of bankruptcy at the moment.
  • TF-DB-F's Altman-Z score of 4.95 is fine compared to the rest of the industry. TF-DB-F outperforms 75.00% of its industry peers.
  • A Debt/Equity ratio of 1.55 is on the high side and indicates that TF-DB-F has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.55, TF-DB-F is doing worse than 68.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Altman-Z 4.95
ROIC/WACC0.38
WACC7.45%
TF-DB-F.CA Yearly LT Debt VS Equity VS FCFTF-DB-F.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • TF-DB-F has a Current Ratio of 0.10. This is a bad value and indicates that TF-DB-F is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Current ratio value of 0.10, TF-DB-F is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
  • TF-DB-F has a Quick Ratio of 0.10. This is a bad value and indicates that TF-DB-F 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-F is doing worse than 75.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.1
Quick Ratio 0.1
TF-DB-F.CA Yearly Current Assets VS Current LiabilitesTF-DB-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TF-DB-F.CA Growth Analysis

3.1 Past

  • TF-DB-F 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.
  • Looking at the last year, TF-DB-F shows a decrease in Revenue. The Revenue has decreased by -8.53% in the last year.
  • TF-DB-F shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
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-F will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.96% on average per year.
  • TF-DB-F 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.
TF-DB-F.CA Yearly Revenue VS EstimatesTF-DB-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
TF-DB-F.CA Yearly EPS VS EstimatesTF-DB-F.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8

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1

4. TF-DB-F.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 224.24, TF-DB-F can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of TF-DB-F is on the same level as its industry peers.
  • TF-DB-F's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.03.
  • Based on the Price/Forward Earnings ratio of 148.00, the valuation of TF-DB-F can be described as expensive.
  • The rest of the industry has a similar Price/Forward Earnings ratio as TF-DB-F.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.11, TF-DB-F is valued quite expensively.
Industry RankSector Rank
PE 224.24
Fwd PE 148
TF-DB-F.CA Price Earnings VS Forward Price EarningsTF-DB-F.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TF-DB-F.CA Per share dataTF-DB-F.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 an expensive valuation of the company.
PEG (NY)28.37
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. TF-DB-F.CA Dividend Analysis

5.1 Amount

  • TF-DB-F has a Yearly Dividend Yield of 10.28%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.77, TF-DB-F pays a better dividend. On top of this TF-DB-F pays more dividend than 96.88% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, TF-DB-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.28%

5.2 History

  • The dividend of TF-DB-F has a limited annual growth rate of 1.26%.
  • TF-DB-F 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-F pays out 136.17% of its income as dividend. This is not a sustainable payout ratio.
  • TF-DB-F's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
TF-DB-F.CA Yearly Income VS Free CF VS DividendTF-DB-F.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
TF-DB-F.CA Dividend Payout.TF-DB-F.CA Dividend Payout, showing the Payout Ratio.TF-DB-F.CA Dividend Payout.PayoutRetained Earnings

More info and screens

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TF-DB-F.CA Fundamentals: All Metrics, Ratios and Statistics

TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (3/3/2026, 7:00:00 PM)

103.15

+0.15 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners2.86%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.54B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target111.2 (7.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.28%
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)2
Avg Revenue beat(8)-5.99%
Revenue beat(12)6
Avg Revenue beat(12)8%
Revenue beat(16)10
Avg Revenue beat(16)12.36%
PT rev (1m)-8.42%
PT rev (3m)-8.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.85%
Valuation
Industry RankSector Rank
PE 224.24
Fwd PE 148
P/S 55.34
P/FCF N/A
P/OCF N/A
P/B 12.6
P/tB 12.6
EV/EBITDA N/A
EPS(TTM)0.46
EY0.45%
EPS(NY)0.7
Fwd EY0.68%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)28.37
PEG (5Y)N/A
Graham Number9.21
Profitability
Industry RankSector 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 RankSector 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 4.95
F-Score3
WACC7.45%
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)-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 FINANCIAL CO / TF-DB-F.CA FAQ

What is the fundamental rating for TF-DB-F stock?

ChartMill assigns a fundamental rating of 3 / 10 to TF-DB-F.CA.


What is the valuation status of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) stock?

ChartMill assigns a valuation rating of 1 / 10 to TIMBERCREEK FINANCIAL CO (TF-DB-F.CA). This can be considered as Overvalued.


What is the profitability of TF-DB-F stock?

TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) has a profitability rating of 4 / 10.


How financially healthy is TIMBERCREEK FINANCIAL CO?

The financial health rating of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) is 3 / 10.


How sustainable is the dividend of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) stock?

The dividend rating of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) is 5 / 10 and the dividend payout ratio is 136.17%.