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 does not seem to be growing, but still is valued expensively.

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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's Return On Assets of 2.38% is in line compared to the rest of the industry. TF-DB-F outperforms 48.28% of its industry peers.

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

TF-DB-F has a Return On Invested Capital of 2.93%. This is in the lower half of the industry: TF-DB-F underperforms 72.41% 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 5.60%.

		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

The Profit Margin of TF-DB-F (27.93%) is comparable to the rest of the industry.

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

The Operating Margin of TF-DB-F (47.36%) 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 76.24%. This is amongst the best in the industry. TF-DB-F outperforms 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	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.

The number of shares outstanding for TF-DB-F has been reduced compared to 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 4.63. This indicates that TF-DB-F is financially healthy and has little risk of bankruptcy at the moment.

The Altman-Z score of TF-DB-F (4.63) is comparable to the rest of the industry.

A Debt/Equity ratio of 1.66 is on the high side and indicates that TF-DB-F has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.66, TF-DB-F is doing worse than 65.52% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.66
Debt/FCF	N/A
Altman-Z	4.63

ROIC/WACC0.39

WACC7.48%

2.3 Liquidity

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

TF-DB-F has a Current ratio (0.14) which is in line with its industry peers.

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

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

		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.

Looking at the last year, TF-DB-F shows a very negative growth in Revenue. The Revenue has decreased by -10.40% in the last 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)-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 5.61% on average per year.

EPS Next Y28.29%

EPS Next 2Y14.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year6.73%

Revenue Next 2Y5.61%

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 stable.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 194.81, the valuation of TF-DB-F can be described as expensive.

Compared to the rest of the industry, the Price/Earnings ratio of TF-DB-F indicates a slightly more expensive valuation: TF-DB-F is more expensive than 75.86% of the companies listed in the same industry.

TF-DB-F is valuated expensively when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 139.71, 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 22.87, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	194.81
Fwd PE	139.71

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.

A more expensive valuation may be justified as TF-DB-F's earnings are expected to grow with 14.88% in the coming years.

PEG (NY)6.89

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 9.02%, which is a nice return.

Compared to an average industry Dividend Yield of 6.67, TF-DB-F pays a better dividend. On top of this TF-DB-F pays more dividend than 96.55% of the companies listed 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	9.02%

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

118.44% of the earnings are spent on dividend by TF-DB-F. 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 (9/18/2025, 7:00:00 PM)

103.25

-0.01 (-0.01%)

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 Cap8.54B

Analysts80

Price Target110.7 (7.22%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.02%

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)0.89%

PT rev (3m)0.89%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.5%

EPS NY rev (1m)0%

EPS NY rev (3m)4.62%

Revenue NQ rev (1m)-1.43%

Revenue NQ rev (3m)3.88%

Revenue NY rev (1m)-1.38%

Revenue NY rev (3m)-3.29%

Valuation

		Industry Rank	Sector Rank
PE	194.81
Fwd PE	139.71
P/S	54.76
P/FCF	N/A
P/OCF	N/A
P/B	12.5
P/tB	12.5
EV/EBITDA	N/A

EPS(TTM)0.53

EY0.51%

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)6.89

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	4.63

F-Score3

WACC7.48%

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 Year6.73%

Revenue Next 2Y5.61%

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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