TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TF-DB-F - CA88709BAG91
102 CAD
+0.4 (+0.39%)
Taking everything into account, TF-DB-F scores 2 out of 10 in our fundamental rating. TF-DB-F was compared to 28 industry peers in the Financial Services industry. TF-DB-F has a bad profitability rating. Also its financial health evaluation is rather negative. TF-DB-F has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
TF-DB-F had positive earnings in the past year.
TF-DB-F had a negative operating cash flow in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.17%, TF-DB-F is in line with its industry, outperforming 50.00% of the companies in the same industry.
TF-DB-F has a Return On Equity of 5.60%. This is in the lower half of the industry: TF-DB-F underperforms 60.71% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.80%, TF-DB-F is doing worse than 71.43% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TF-DB-F is below the industry average of 5.82%.
| 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-F has a Profit Margin of 24.62%. This is comparable to the rest of the industry: TF-DB-F outperforms 50.00% of its industry peers.
TF-DB-F's Profit Margin has declined in the last couple of years.
The Operating Margin of TF-DB-F (43.60%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of TF-DB-F has declined.
TF-DB-F has a Gross Margin of 74.20%. This is amongst the best in the industry. TF-DB-F outperforms 85.71% of its industry peers.
TF-DB-F's Gross Margin has been stable in the last couple of years.
| 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.
TF-DB-F has about the same amout of shares outstanding than it did 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 4.90 indicates that TF-DB-F is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 4.90, TF-DB-F is in line with its industry, outperforming 57.14% of the companies in the same industry.
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's Debt to Equity ratio of 1.55 is on the low side compared to the rest of the industry. TF-DB-F is outperformed by 67.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.9 |
ROIC/WACC0.39
WACC7.2%
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: 67.86% 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.
The Quick ratio of TF-DB-F (0.10) is worse than 67.86% 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.
TF-DB-F shows a decrease in Revenue. In the last year, the revenue decreased by -8.53%.
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
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
With a Price/Earnings ratio of 221.74, TF-DB-F can be considered very expensive at the moment.
71.43% of the companies in the same industry are cheaper than TF-DB-F, based on the Price/Earnings ratio.
TF-DB-F is valuated expensively when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 146.35, which means the current valuation is very expensive for TF-DB-F.
TF-DB-F's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TF-DB-F is more expensive than 67.86% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.56. TF-DB-F is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 221.74 | ||
| Fwd PE | 146.35 |
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-F does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)28.05
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.34%, TF-DB-F is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.84, TF-DB-F pays a better dividend. On top of this TF-DB-F pays more dividend than 96.43% of the companies listed in the same industry.
TF-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.34% |
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%
TSX:TF-DB-F (12/5/2025, 7:00:00 PM)
102
+0.4 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.97%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.44B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target121.43 (19.05%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.34% |
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)1.23%
PT rev (3m)9.69%
EPS NQ rev (1m)-3.08%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-6.51%
EPS NY rev (3m)-15.89%
Revenue NQ rev (1m)1.47%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-1.85%
Revenue NY rev (3m)-5.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 221.74 | ||
| Fwd PE | 146.35 | ||
| P/S | 54.72 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 12.46 | ||
| P/tB | 12.46 | ||
| 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)28.05
PEG (5Y)N/A
Graham Number9.21
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 | 4.9 |
F-Score3
WACC7.2%
ROIC/WACC0.39
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 2 / 10 to TF-DB-F.CA.
What is the valuation status for TF-DB-F stock?
ChartMill assigns a valuation rating of 0 / 10 to TIMBERCREEK FINANCIAL CO (TF-DB-F.CA). This can be considered as Overvalued.
How profitable is TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) stock?
TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for TF-DB-F stock?
The Earnings per Share (EPS) of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) is expected to grow by 7.91% in the next year.
Can you provide the dividend sustainability for TF-DB-F stock?
The dividend rating of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) is 5 / 10 and the dividend payout ratio is 136.17%.