TF-DB-F Fundamental Analysis - TIMBERCREEK FINANCIAL CO

Fundamental Rating

Taking everything into account, TF-DB-F scores 3 out of 10 in our fundamental rating. TF-DB-F was compared to 26 industry peers in the Financial Services industry. While TF-DB-F is still in line with the averages on profitability rating, there are concerns on its financial health. TF-DB-F does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

TF-DB-F had positive earnings in the past year.

In the past year TF-DB-F has reported a negative cash flow from operations.

Each year in the past 5 years TF-DB-F has been profitable.

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

1.2 Ratios

TF-DB-F has a Return On Assets (2.17%) which is in line with its industry peers.

With a Return On Equity value of 5.60%, TF-DB-F perfoms like the industry average, outperforming 42.31% of the companies in the same industry.

Looking at the Return On Invested Capital, with a value of 2.80%, TF-DB-F is doing worse than 69.23% of the companies in the same industry.

Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-F is below the industry average of 5.80%.

		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

TF-DB-F has a Profit Margin (24.62%) which is in line with its industry peers.

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 in line with its industry peers.

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

TF-DB-F's Gross Margin of 74.20% is amongst the best of the industry. TF-DB-F outperforms 84.62% 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%

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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.

Compared to 1 year ago, TF-DB-F has about the same amount of shares outstanding.

Compared to 5 years ago, TF-DB-F has less shares outstanding

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

2.2 Solvency

An Altman-Z score of 4.89 indicates that TF-DB-F is not in any danger for bankruptcy at the moment.

TF-DB-F's Altman-Z score of 4.89 is fine compared to the rest of the industry. TF-DB-F outperforms 61.54% of its industry peers.

TF-DB-F has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of TF-DB-F (1.55) is worse than 65.38% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.55
Debt/FCF	N/A
Altman-Z	4.89

ROIC/WACC0.39

WACC7.25%

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.

Looking at the Current ratio, with a value of 0.10, TF-DB-F is doing worse than 73.08% of the companies in the same industry.

A Quick Ratio of 0.10 indicates that TF-DB-F may have some problems paying its short term obligations.

Looking at the Quick ratio, with a value of 0.10, TF-DB-F is doing worse than 73.08% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.1
Quick Ratio	0.1

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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 -35.21% 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.

TF-DB-F shows a decrease in Revenue. In the last year, the revenue decreased by -8.53%.

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

TF-DB-F is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.96% yearly.

Based on estimates for the next years, TF-DB-F will show a small growth in Revenue. The Revenue will grow by 1.76% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

TF-DB-F is valuated quite expensively with a Price/Earnings ratio of 221.22.

Based on the Price/Earnings ratio, TF-DB-F is valued a bit more expensive than the industry average as 69.23% of the companies are valued more cheaply.

When comparing the Price/Earnings ratio of TF-DB-F to the average of the S&P500 Index (26.51), we can say TF-DB-F is valued expensively.

The Price/Forward Earnings ratio is 146.00, which means the current valuation is very expensive for TF-DB-F.

65.38% of the companies in the same industry are cheaper than TF-DB-F, based on the Price/Forward Earnings ratio.

TF-DB-F's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.13.

		Industry Rank	Sector Rank
PE	221.22
Fwd PE	146

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)27.98

PEG (5Y)N/A

EPS Next 2Y11.56%

EPS Next 3Y8.96%

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5. Dividend

5.1 Amount

TF-DB-F has a Yearly Dividend Yield of 10.00%, which is a nice return.

TF-DB-F's Dividend Yield is rather good when compared to the industry average which is at 5.82. TF-DB-F pays more dividend than 96.15% of the companies in the same industry.

TF-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.

		Industry Rank	Sector Rank
Dividend Yield	10%

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%

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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (12/29/2025, 7:00:00 PM)

101.76

-0.74 (-0.72%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)10-29 2025-10-29/amc

Earnings (Next)02-23 2026-02-23

Inst Owners2.97%

Inst Owner ChangeN/A

Ins Owners0.97%

Ins Owner ChangeN/A

Market Cap8.42B

Revenue(TTM)154.25M

Net Income(TTM)37.97M

Analysts80

Price Target121.43 (19.33%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10%

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)0%

PT rev (3m)9.69%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-8.7%

EPS NY rev (1m)-6.51%

EPS NY rev (3m)-14.98%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-12.38%

Revenue NY rev (1m)-1.85%

Revenue NY rev (3m)-4.57%

Valuation

		Industry Rank	Sector Rank
PE	221.22
Fwd PE	146
P/S	54.59
P/FCF	N/A
P/OCF	N/A
P/B	12.43
P/tB	12.43
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)27.98

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	4.89

F-Score3

WACC7.25%

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 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 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%.

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

More info and screens

TIMBERCREEK FINANCIAL CO / TF-DB-F.CA FAQ

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

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

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

How financially healthy is TIMBERCREEK FINANCIAL CO?

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