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 has a bad profitability rating. Also its financial health evaluation is rather negative. TF-DB-F is valied quite expensively at the moment, while it does show a decent growth rate.

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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.

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

Looking at the Return On Assets, with a value of 2.60%, TF-DB-F is in line with its industry, outperforming 50.00% of the companies in the same industry.

Looking at the Return On Equity, with a value of 6.79%, TF-DB-F is doing worse than 64.29% of the companies in the same industry.

With a Return On Invested Capital value of 3.17%, TF-DB-F is not doing good in the industry: 75.00% 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 below the industry average of 5.71%.

		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

Looking at the Profit Margin, with a value of 28.87%, TF-DB-F is in line with its industry, outperforming 50.00% of the companies in the same industry.

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

TF-DB-F's Operating Margin of 48.34% is in line compared to the rest of the industry. TF-DB-F outperforms 53.57% of its industry peers.

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

Looking at the Gross Margin, with a value of 77.25%, TF-DB-F belongs to the top of the industry, outperforming 85.71% 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	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

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

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

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

TF-DB-F has an Altman-Z score of 4.55. 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 4.55 is in line compared to the rest of the industry. TF-DB-F outperforms 57.14% of its industry peers.

TF-DB-F has a Debt/Equity ratio of 1.59. This is a high value indicating a heavy dependency on external financing.

TF-DB-F has a worse Debt to Equity ratio (1.59) than 64.29% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Altman-Z	4.55

ROIC/WACC0.43

WACC7.37%

2.3 Liquidity

A Current Ratio of 0.02 indicates that TF-DB-F may have some problems paying its short term obligations.

TF-DB-F has a Current ratio of 0.02. This is in the lower half of the industry: TF-DB-F underperforms 78.57% of its industry peers.

A Quick Ratio of 0.02 indicates that TF-DB-F may have some problems paying its short term obligations.

The Quick ratio of TF-DB-F (0.02) is worse than 78.57% 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

TF-DB-F shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.97%.

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 decrease in Revenue. In the last year, the revenue decreased by -8.46%.

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)-22.97%

EPS 3Y-6.27%

EPS 5Y-3.23%

EPS Q2Q%5.88%

Revenue 1Y (TTM)-8.46%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%15.04%

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

TF-DB-F is valuated quite expensively with a Price/Earnings ratio of 178.98.

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 75.00% of the companies listed in the same industry.

TF-DB-F is valuated expensively when we compare the Price/Earnings ratio to 28.05, which is the current average of the S&P500 Index.

TF-DB-F is valuated quite expensively with a Price/Forward Earnings ratio of 144.24.

TF-DB-F's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TF-DB-F is more expensive than 67.86% of the companies in the same industry.

TF-DB-F is valuated expensively when we compare the Price/Forward Earnings ratio to 37.67, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	178.98
Fwd PE	144.24

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 12.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)7.91

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 8.83%, 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 7.32. 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 2.30, TF-DB-F pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	8.83%

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

110.50% 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.

DP110.5%

EPS Next 2Y12.38%

EPS Next 3YN/A

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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (7/23/2025, 7:00:00 PM)

102.02

+0.47 (+0.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-26 2025-05-26/bmo

Earnings (Next)07-30 2025-07-30

Inst Owners3.94%

Inst Owner ChangeN/A

Ins Owners0.97%

Ins Owner ChangeN/A

Market Cap8.44B

Analysts80

Price Target109.73 (7.56%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.83%

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)1

Avg EPS beat(2)-38.92%

Min EPS beat(2)-82.17%

Max EPS beat(2)4.33%

EPS beat(4)2

Avg EPS beat(4)-20.91%

Min EPS beat(4)-82.17%

Max EPS beat(4)4.33%

EPS beat(8)2

Avg EPS beat(8)-12.9%

EPS beat(12)3

Avg EPS beat(12)-10.44%

EPS beat(16)3

Avg EPS beat(16)-9.19%

Revenue beat(2)2

Avg Revenue beat(2)3.72%

Min Revenue beat(2)2.85%

Max Revenue beat(2)4.6%

Revenue beat(4)2

Avg Revenue beat(4)-2.78%

Min Revenue beat(4)-11.82%

Max Revenue beat(4)4.6%

Revenue beat(8)4

Avg Revenue beat(8)6.63%

Revenue beat(12)8

Avg Revenue beat(12)15.75%

Revenue beat(16)12

Avg Revenue beat(16)16.16%

PT rev (1m)0%

PT rev (3m)-13.88%

EPS NQ rev (1m)4.08%

EPS NQ rev (3m)4.08%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-0.7%

Revenue NQ rev (3m)-0.7%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.15%

Valuation

		Industry Rank	Sector Rank
PE	178.98
Fwd PE	144.24
P/S	52.35
P/FCF	N/A
P/OCF	N/A
P/B	12.31
P/tB	12.31
EV/EBITDA	N/A

EPS(TTM)0.57

EY0.56%

EPS(NY)0.71

Fwd EY0.69%

FCF(TTM)-0.94

FCFYN/A

OCF(TTM)-0.93

OCFYN/A

SpS1.95

BVpS8.29

TBVpS8.29

PEG (NY)7.91

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	4.55

F-Score4

WACC7.37%

ROIC/WACC0.43

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)-22.97%

EPS 3Y-6.27%

EPS 5Y-3.23%

EPS Q2Q%5.88%

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%15.04%

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

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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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