TF-DB-F Fundamental Analysis - TIMBERCREEK FINANCIAL CO

Fundamental Rating

TF-DB-F gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. TF-DB-F may be in some trouble as it scores bad on both profitability and health. TF-DB-F is valued expensive and it does not seem to be growing.

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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.

In the past 5 years TF-DB-F has always been profitable.

Of the past 5 years TF-DB-F 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 2.38%, TF-DB-F is in line with its industry, outperforming 48.28% of the companies in the same industry.

TF-DB-F has a worse Return On Equity (6.37%) than 65.52% of its industry peers.

TF-DB-F has a worse Return On Invested Capital (2.93%) than 75.86% of its industry peers.

The Average Return On Invested Capital over the past 3 years for TF-DB-F is below the industry average of 5.62%.

		Industry Rank	Sector Rank
ROA	2.38%
ROE	6.37%
ROIC	2.93%

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's Profit Margin of 27.93% is in line compared to the rest of the industry. TF-DB-F outperforms 48.28% of its industry peers.

TF-DB-F's Profit Margin has declined in the last couple of years.

TF-DB-F has a Operating Margin (47.36%) which is in line with its industry peers.

In the last couple of years the Operating Margin of TF-DB-F has declined.

TF-DB-F's Gross Margin of 76.24% is amongst the best of the industry. TF-DB-F outperforms 86.21% 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	47.36%
PM (TTM)	27.93%
GM	76.24%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF-DB-F is destroying value.

TF-DB-F has about the same amout of shares outstanding than it did 1 year ago.

TF-DB-F has less shares outstanding than it did 5 years ago.

The debt/assets ratio for TF-DB-F has been reduced compared to a year ago.

2.2 Solvency

TF-DB-F has an Altman-Z score of 4.58. 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 4.58 is in line compared to the rest of the industry. TF-DB-F outperforms 58.62% of its industry peers.

A Debt/Equity ratio of 1.66 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 1.66 is on the low side compared to the rest of the industry. TF-DB-F is outperformed by 65.52% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.66
Debt/FCF	N/A
Altman-Z	4.58

ROIC/WACC0.39

WACC7.52%

2.3 Liquidity

A Current Ratio of 0.14 indicates that TF-DB-F may have some problems paying its short term obligations.

The Current ratio of TF-DB-F (0.14) is comparable to the rest of the industry.

A Quick Ratio of 0.14 indicates that TF-DB-F may have some problems paying its short term obligations.

TF-DB-F has a Quick ratio of 0.14. This is comparable to the rest of the industry: TF-DB-F outperforms 48.28% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.14
Quick Ratio	0.14

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for TF-DB-F have decreased strongly by -27.40% in the last year.

Measured over the past years, TF-DB-F shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.23% on average per year.

The Revenue for TF-DB-F has decreased by -10.40% in the past year. This is quite bad

The Revenue has been growing slightly by 4.88% on average over the past years.

EPS 1Y (TTM)-27.4%

EPS 3Y-6.27%

EPS 5Y-3.23%

EPS Q2Q%-21.05%

Revenue 1Y (TTM)-10.4%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%36.44%

3.2 Future

TF-DB-F is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.88% yearly.

Based on estimates for the next years, TF-DB-F will show a small growth in Revenue. The Revenue will grow by 5.75% on average per year.

EPS Next Y28.29%

EPS Next 2Y14.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.22%

Revenue Next 2Y5.75%

Revenue Next 3YN/A

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 stable.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 193.00, the valuation of TF-DB-F can be described as expensive.

TF-DB-F's Price/Earnings ratio is a bit more expensive when compared to the industry. TF-DB-F is more expensive than 75.86% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.13. TF-DB-F is valued rather expensively when compared to this.

Based on the Price/Forward Earnings ratio of 138.41, the valuation of TF-DB-F can be described as expensive.

Based on the Price/Forward Earnings ratio, TF-DB-F is valued a bit more expensive than 68.97% of the companies in the same industry.

TF-DB-F is valuated expensively when we compare the Price/Forward Earnings ratio to 22.76, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	193
Fwd PE	138.41

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.

TF-DB-F's earnings are expected to grow with 14.88% in the coming years. This may justify a more expensive valuation.

PEG (NY)6.82

PEG (5Y)N/A

EPS Next 2Y14.88%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TF-DB-F has a Yearly Dividend Yield of 8.90%, which is a nice return.

Compared to an average industry Dividend Yield of 6.12, TF-DB-F pays a better dividend. On top of this TF-DB-F pays more dividend than 100.00% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.32, TF-DB-F pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	8.9%

5.2 History

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

TF-DB-F is new to the dividend game and has less than 3 years of track record.

Dividend Growth(5Y)1.26%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

TF-DB-F pays out 118.44% of its income as dividend. This is not a sustainable payout ratio.

The dividend of TF-DB-F is growing, but earnings are growing more, so the dividend growth is sustainable.

DP118.44%

EPS Next 2Y14.88%

EPS Next 3YN/A

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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (8/28/2025, 7:00:00 PM)

102.29

-0.5 (-0.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-28 2025-10-28

Inst Owners3.94%

Inst Owner ChangeN/A

Ins Owners0.97%

Ins Owner ChangeN/A

Market Cap8.46B

Analysts80

Price Target109.73 (7.27%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.9%

Yearly Dividend0.68

Dividend Growth(5Y)1.26%

DP118.44%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5%

Min EPS beat(2)-14.33%

Max EPS beat(2)4.33%

EPS beat(4)1

Avg EPS beat(4)-25.12%

Min EPS beat(4)-82.17%

Max EPS beat(4)4.33%

EPS beat(8)2

Avg EPS beat(8)-14.33%

EPS beat(12)2

Avg EPS beat(12)-11.87%

EPS beat(16)3

Avg EPS beat(16)-9.67%

Revenue beat(2)2

Avg Revenue beat(2)14.46%

Min Revenue beat(2)2.85%

Max Revenue beat(2)26.07%

Revenue beat(4)3

Avg Revenue beat(4)5.43%

Min Revenue beat(4)-11.82%

Max Revenue beat(4)26.07%

Revenue beat(8)4

Avg Revenue beat(8)5.24%

Revenue beat(12)8

Avg Revenue beat(12)15.55%

Revenue beat(16)12

Avg Revenue beat(16)16.39%

PT rev (1m)0%

PT rev (3m)-13.88%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.5%

EPS NY rev (1m)4.62%

EPS NY rev (3m)4.62%

Revenue NQ rev (1m)-0.71%

Revenue NQ rev (3m)4.63%

Revenue NY rev (1m)-1.94%

Revenue NY rev (3m)-1.94%

Valuation

		Industry Rank	Sector Rank
PE	193
Fwd PE	138.41
P/S	54.25
P/FCF	N/A
P/OCF	N/A
P/B	12.38
P/tB	12.38
EV/EBITDA	N/A

EPS(TTM)0.53

EY0.52%

EPS(NY)0.74

Fwd EY0.72%

FCF(TTM)-1.19

FCFYN/A

OCF(TTM)-1.18

OCFYN/A

SpS1.89

BVpS8.26

TBVpS8.26

PEG (NY)6.82

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.38%
ROE	6.37%
ROCE	4.07%
ROIC	2.93%
ROICexc	2.93%
ROICexgc	2.94%
OM	47.36%
PM (TTM)	27.93%
GM	76.24%
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-Score3

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	1.66
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	2.14
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.14
Quick Ratio	0.14
Altman-Z	4.58

F-Score3

WACC7.52%

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)-27.4%

EPS 3Y-6.27%

EPS 5Y-3.23%

EPS Q2Q%-21.05%

EPS Next Y28.29%

EPS Next 2Y14.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-10.4%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%36.44%

Revenue Next Year8.22%

Revenue Next 2Y5.75%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-21.66%

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-201.42%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-200.88%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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