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TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) Stock Fundamental Analysis

Canada - TSX:TF-DB-F - CA88709BAG91

103.5 CAD
0 (0%)
Last: 10/16/2025, 7:00:00 PM
Fundamental Rating

3

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.


Dividend Valuation Growth Profitability Health

4

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.
TF-DB-F.CA Yearly Net Income VS EBIT VS OCF VS FCFTF-DB-F.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

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 RankSector 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%
TF-DB-F.CA Yearly ROA, ROE, ROICTF-DB-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

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 RankSector 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%
TF-DB-F.CA Yearly Profit, Operating, Gross MarginsTF-DB-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

3

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.
TF-DB-F.CA Yearly Shares OutstandingTF-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TF-DB-F.CA Yearly Total Debt VS Total AssetsTF-DB-F.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 1.66
Debt/FCF N/A
Altman-Z 4.64
ROIC/WACC0.39
WACC7.48%
TF-DB-F.CA Yearly LT Debt VS Equity VS FCFTF-DB-F.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

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 RankSector Rank
Current Ratio 0.14
Quick Ratio 0.14
TF-DB-F.CA Yearly Current Assets VS Current LiabilitesTF-DB-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

3

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.
TF-DB-F.CA Yearly Revenue VS EstimatesTF-DB-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
TF-DB-F.CA Yearly EPS VS EstimatesTF-DB-F.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

0

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 RankSector Rank
PE 195.28
Fwd PE 140.05
TF-DB-F.CA Price Earnings VS Forward Price EarningsTF-DB-F.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TF-DB-F.CA Per share dataTF-DB-F.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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

5

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 RankSector 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
TF-DB-F.CA Yearly Income VS Free CF VS DividendTF-DB-F.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
TF-DB-F.CA Dividend Payout.TF-DB-F.CA Dividend Payout, showing the Payout Ratio.TF-DB-F.CA Dividend Payout.PayoutRetained Earnings

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 RankSector 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 RankSector 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 RankSector 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 RankSector 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