TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:TF-DB-F • CA88709BAG91
102.98 CAD
+0.9 (+0.88%)
Last: Jan 27, 2026, 07:00 PM
Overall TF-DB-F gets a fundamental rating of 3 out of 10. We evaluated TF-DB-F against 28 industry peers in the Financial Services industry. Both the profitability and financial health of TF-DB-F have multiple concerns. TF-DB-F is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year TF-DB-F was profitable.
- TF-DB-F had a negative operating cash flow in the past year.
- Each year in the past 5 years TF-DB-F has been profitable.
- TF-DB-F had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- TF-DB-F has a Return On Assets (2.17%) which is comparable to the rest of the industry.
- With a Return On Equity value of 5.60%, TF-DB-F is not doing good in the industry: 60.71% of the companies in the same industry are doing better.
- TF-DB-F's Return On Invested Capital of 2.80% is on the low side compared to the rest of the industry. TF-DB-F is outperformed by 71.43% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-F is below the industry average of 7.80%.
| 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
- Looking at the Profit Margin, with a value of 24.62%, TF-DB-F is in line with its industry, outperforming 53.57% of the companies in the same industry.
- In the last couple of years the Profit Margin of TF-DB-F has declined.
- TF-DB-F has a Operating Margin (43.60%) which is comparable to the rest of the industry.
- TF-DB-F's Operating Margin has declined in the last couple of years.
- The Gross Margin of TF-DB-F (74.20%) is better than 85.71% of its industry peers.
- In the last couple of years the Gross Margin of TF-DB-F 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF-DB-F is destroying value.
- The number of shares outstanding for TF-DB-F remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, TF-DB-F has less shares outstanding
- The debt/assets ratio for TF-DB-F has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 4.94 indicates that TF-DB-F is not in any danger for bankruptcy at the moment.
- TF-DB-F has a Altman-Z score of 4.94. This is in the better half of the industry: TF-DB-F outperforms 67.86% 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.
- TF-DB-F has a Debt to Equity ratio of 1.55. This is in the lower half of the industry: TF-DB-F underperforms 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.94 |
ROIC/WACC0.38
WACC7.44%
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.
- TF-DB-F's Current ratio of 0.10 is on the low side compared to the rest of the industry. TF-DB-F is outperformed by 71.43% of its industry peers.
- 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.
- TF-DB-F has a Quick ratio of 0.10. This is in the lower half of the industry: TF-DB-F underperforms 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
- The earnings per share for TF-DB-F have decreased strongly by -35.21% in the last year.
- 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.
- The Revenue has been growing slightly by 4.88% on average over the past years.
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
- The Earnings Per Share is expected to grow by 8.96% on average over the next years. This is quite good.
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 223.87 indicates a quite expensive valuation of TF-DB-F.
- Based on the Price/Earnings ratio, TF-DB-F is valued a bit more expensive than 71.43% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.39, TF-DB-F is valued quite expensively.
- With a Price/Forward Earnings ratio of 147.75, TF-DB-F can be considered very expensive at the moment.
- Based on the Price/Forward Earnings ratio, TF-DB-F is valued a bit more expensive than the industry average as 67.86% of the companies are valued more cheaply.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. TF-DB-F is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 223.87 | ||
| Fwd PE | 147.75 |
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)28.32
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.65%, TF-DB-F is a good candidate for dividend investing.
- TF-DB-F's Dividend Yield is rather good when compared to the industry average which is at 5.64. TF-DB-F pays more dividend than 96.43% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, TF-DB-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.65% |
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%
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 0 / 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 3 / 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%.