TF-DB-F Fundamental Analysis - TIMBERCREEK FINANCIAL CO

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to TF-DB-F. TF-DB-F was compared to 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 quite expensive at the moment. It does show a decent growth rate.

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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 (2.60%) which is in line with its industry peers.

The Return On Equity of TF-DB-F (6.79%) is worse than 65.52% of its industry peers.

TF-DB-F has a Return On Invested Capital of 3.17%. This is in the lower half of the industry: TF-DB-F underperforms 75.86% of its industry peers.

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 5.87%.

		Industry Rank	Sector Rank
ROA	2.6%
ROE	6.79%
ROIC	3.17%

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

With a Profit Margin value of 28.87%, TF-DB-F perfoms like the industry average, outperforming 48.28% 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 48.34%. This is comparable to the rest of the industry: TF-DB-F outperforms 51.72% 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 (77.25%) is better than 86.21% of its industry peers.

TF-DB-F's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	48.34%
PM (TTM)	28.87%
GM	77.25%

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

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.

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

Compared to 1 year ago, TF-DB-F has an improved debt to assets ratio.

2.2 Solvency

An Altman-Z score of 4.57 indicates that TF-DB-F is not in any danger for bankruptcy at the moment.

TF-DB-F's Altman-Z score of 4.57 is in line compared to the rest of the industry. TF-DB-F outperforms 55.17% of its industry peers.

A Debt/Equity ratio of 1.59 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 1.59 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	1.59
Debt/FCF	N/A
Altman-Z	4.57

ROIC/WACC0.44

WACC7.19%

2.3 Liquidity

TF-DB-F has a Current Ratio of 0.02. 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 Current ratio, with a value of 0.02, TF-DB-F is doing worse than 79.31% of the companies in the same industry.

TF-DB-F has a Quick Ratio of 0.02. 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 worse Quick ratio (0.02) than 79.31% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.02
Quick Ratio	0.02

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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 -28.21% in the last year.

The Earnings Per Share has been decreasing by -3.23% on average over the past years.

The Revenue has decreased by -8.46% in the past year.

Measured over the past years, TF-DB-F shows a small growth in Revenue. The Revenue has been growing by 4.88% on average per year.

EPS 1Y (TTM)-28.21%

EPS 3Y-6.27%

EPS 5Y-3.23%

EPS Q2Q%-13.29%

Revenue 1Y (TTM)-8.46%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%63.17%

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 12.38% on average per year.

Based on estimates for the next years, TF-DB-F will show a small growth in Revenue. The Revenue will grow by 6.89% on average per year.

EPS Next Y22.62%

EPS Next 2Y12.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.36%

Revenue Next 2Y6.89%

Revenue Next 3YN/A

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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 182.59, TF-DB-F can be considered very expensive at the moment.

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.

TF-DB-F is valuated expensively when we compare the Price/Earnings ratio to 26.52, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 144.57, which means the current valuation is very expensive for TF-DB-F.

68.97% of the companies in the same industry are cheaper than TF-DB-F, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of TF-DB-F to the average of the S&P500 Index (22.25), we can say TF-DB-F is valued expensively.

		Industry Rank	Sector Rank
PE	182.59
Fwd PE	144.57

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.

A more expensive valuation may be justified as TF-DB-F's earnings are expected to grow with 12.38% in the coming years.

PEG (NY)8.07

PEG (5Y)N/A

EPS Next 2Y12.38%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.32%, 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 6.41. TF-DB-F pays more dividend than 100.00% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, TF-DB-F pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	9.32%

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 110.50% 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.

DP110.5%

EPS Next 2Y12.38%

EPS Next 3YN/A

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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (5/26/2025, 7:00:00 PM)

102.25

+0.49 (+0.48%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-05 2025-05-05

Earnings (Next)07-29 2025-07-29

Inst Owners4.75%

Inst Owner ChangeN/A

Ins Owners0.86%

Ins Owner ChangeN/A

Market Cap8.47B

Analysts80

Price Target127.41 (24.61%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.32%

Yearly Dividend0.68

Dividend Growth(5Y)1.26%

DP110.5%

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)2

Avg Revenue beat(2)25.24%

Min Revenue beat(2)4.6%

Max Revenue beat(2)45.89%

Revenue beat(4)2

Avg Revenue beat(4)7.98%

Min Revenue beat(4)-11.82%

Max Revenue beat(4)45.89%

Revenue beat(8)4

Avg Revenue beat(8)12.01%

Revenue beat(12)8

Avg Revenue beat(12)19.33%

Revenue beat(16)12

Avg Revenue beat(16)18.85%

PT rev (1m)0%

PT rev (3m)-2.08%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)-3.38%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.4%

Revenue NY rev (1m)1.15%

Revenue NY rev (3m)7.43%

Valuation

		Industry Rank	Sector Rank
PE	182.59
Fwd PE	144.57
P/S	52.5
P/FCF	N/A
P/OCF	N/A
P/B	12.35
P/tB	12.35
EV/EBITDA	N/A

EPS(TTM)0.56

EY0.55%

EPS(NY)0.71

Fwd EY0.69%

FCF(TTM)-0.94

FCFYN/A

OCF(TTM)-0.93

OCFYN/A

SpS1.95

BVpS8.28

TBVpS8.28

PEG (NY)8.07

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.6%
ROE	6.79%
ROCE	5.42%
ROIC	3.17%
ROICexc	3.18%
ROICexgc	3.19%
OM	48.34%
PM (TTM)	28.87%
GM	77.25%
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-Score4

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	2.32
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.02
Quick Ratio	0.02
Altman-Z	4.57

F-Score4

WACC7.19%

ROIC/WACC0.44

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%-13.29%

EPS Next Y22.62%

EPS Next 2Y12.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-8.46%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%63.17%

Revenue Next Year10.36%

Revenue Next 2Y6.89%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-19.73%

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-185.55%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-184.97%

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

More info and screens

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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