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 29 industry peers in the Financial Services industry. TF-DB-F has a medium profitability rating, but doesn't score so well on its financial health evaluation. TF-DB-F has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year TF-DB-F was profitable.

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

TF-DB-F had positive earnings in each of the past 5 years.

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 of 2.38%. This is comparable to the rest of the industry: TF-DB-F outperforms 51.72% of its industry peers.

TF-DB-F has a Return On Equity of 6.37%. This is in the lower half of the industry: TF-DB-F underperforms 62.07% of its industry peers.

With a Return On Invested Capital value of 2.93%, TF-DB-F is not doing good in the industry: 68.97% of the companies in the same industry are doing better.

Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-F is in line with the industry average of 5.38%.

		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

Looking at the Profit Margin, with a value of 27.93%, TF-DB-F is in line with its industry, outperforming 48.28% of the companies in the same 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.

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

Looking at the Gross Margin, with a value of 76.24%, TF-DB-F belongs to the top of the industry, outperforming 86.21% of the companies in the same industry.

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.

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

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

An Altman-Z score of 4.64 indicates that TF-DB-F is not in any danger for bankruptcy at the moment.

The Altman-Z score of TF-DB-F (4.64) is comparable to the rest of the industry.

TF-DB-F has a Debt/Equity ratio of 1.66. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of TF-DB-F (1.66) is worse than 65.52% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.66
Debt/FCF	N/A
Altman-Z	4.64

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.

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

		Industry Rank	Sector Rank
Current Ratio	0.14
Quick Ratio	0.14

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

TF-DB-F shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.40%.

TF-DB-F shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.

TF-DB-F shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.40%.

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

The Earnings Per Share is expected to grow by 14.88% on average over the next years. This is quite good.

The Revenue is expected to grow by 5.61% on average over the next years.

EPS Next Y26.91%

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is stable: in the next years the growth will be about the same 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 195.28.

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.

When comparing the Price/Earnings ratio of TF-DB-F to the average of the S&P500 Index (27.40), we can say TF-DB-F is valued expensively.

With a Price/Forward Earnings ratio of 140.05, TF-DB-F can be considered very expensive at the moment.

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

When comparing the Price/Forward Earnings ratio of TF-DB-F to the average of the S&P500 Index (22.94), we can say TF-DB-F is valued expensively.

		Industry Rank	Sector Rank
PE	195.28
Fwd PE	140.05

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.

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)7.26

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 9.50%, which is a nice return.

Compared to an average industry Dividend Yield of 7.86, 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	9.5%

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 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 (10/16/2025, 7:00:00 PM)

103.5

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

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

Earnings (Next)11-06 2025-11-06

Inst Owners3.2%

Inst Owner ChangeN/A

Ins Owners0.96%

Ins Owner ChangeN/A

Market Cap8.56B

Analysts80

Price Target114.13 (10.27%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.5%

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)3.1%

PT rev (3m)4.02%

EPS NQ rev (1m)0%

EPS NQ rev (3m)2.9%

EPS NY rev (1m)-1.08%

EPS NY rev (3m)3.5%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.43%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-3.29%

Valuation

		Industry Rank	Sector Rank
PE	195.28
Fwd PE	140.05
P/S	54.89
P/FCF	N/A
P/OCF	N/A
P/B	12.53
P/tB	12.53
EV/EBITDA	N/A

EPS(TTM)0.53

EY0.51%

EPS(NY)0.74

Fwd EY0.71%

FCF(TTM)-1.19

FCFYN/A

OCF(TTM)-1.18

OCFYN/A

SpS1.89

BVpS8.26

TBVpS8.26

PEG (NY)7.26

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	4.64

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 Y26.91%

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

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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