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

Canada - TSX:TF-DB-F - CA88709BAG91

103.25 CAD
-0.01 (-0.01%)
Last: 9/18/2025, 7:00:00 PM
Fundamental Rating

3

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.


Dividend Valuation Growth Profitability Health

3

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.
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'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 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

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 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.
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.
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

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 RankSector Rank
Debt/Equity 1.66
Debt/FCF N/A
Altman-Z 4.63
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.
The Quick ratio of TF-DB-F (0.14) is comparable to the rest of the industry.
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

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.
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

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 RankSector Rank
PE 194.81
Fwd PE 139.71
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 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

5

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 RankSector 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
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 (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 RankSector 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 RankSector 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 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 4.63
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