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

TSX:TF-DB-F • CA88709BAG91

Current stock price

102.05 CAD
-0.11 (-0.11%)
Last:

This TF-DB-F.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TF-DB-F.CA Profitability Analysis

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.
  • Each year in the past 5 years TF-DB-F has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: TF-DB-F reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M

1.2 Ratios

  • TF-DB-F has a Return On Assets (1.74%) which is in line with its industry peers.
  • TF-DB-F has a Return On Equity of 5.20%. This is in the lower half of the industry: TF-DB-F underperforms 66.67% of its industry peers.
  • TF-DB-F's Return On Invested Capital of 2.60% is on the low side compared to the rest of the industry. TF-DB-F is outperformed by 66.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TF-DB-F is below the industry average of 7.42%.
Industry RankSector Rank
ROA 1.74%
ROE 5.2%
ROIC 2.6%
ROA(3y)2.71%
ROA(5y)2.68%
ROE(3y)7.13%
ROE(5y)7.09%
ROIC(3y)3.33%
ROIC(5y)3.29%
TF-DB-F.CA Yearly ROA, ROE, ROICTF-DB-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 22.70%, TF-DB-F perfoms like the industry average, outperforming 56.67% of the companies in the same industry.
  • In the last couple of years the Profit Margin of TF-DB-F has declined.
  • TF-DB-F has a better Operating Margin (46.91%) than 63.33% of its industry peers.
  • TF-DB-F's Operating Margin has declined in the last couple of years.
  • The Gross Margin of TF-DB-F (71.04%) is better than 76.67% of its industry peers.
  • In the last couple of years the Gross Margin of TF-DB-F has declined.
Industry RankSector Rank
OM 46.91%
PM (TTM) 22.7%
GM 71.04%
OM growth 3Y-7.13%
OM growth 5Y-5.78%
PM growth 3Y-15.48%
PM growth 5Y-2.27%
GM growth 3Y-1.48%
GM growth 5Y-1.86%
TF-DB-F.CA Yearly Profit, Operating, Gross MarginsTF-DB-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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2

2. TF-DB-F.CA Health Analysis

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 less shares outstanding
  • The number of shares outstanding for TF-DB-F has been increased compared to 5 years ago.
  • The debt/assets ratio for TF-DB-F is higher compared to a year ago.
TF-DB-F.CA Yearly Shares OutstandingTF-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • TF-DB-F has an Altman-Z score of 3.97. This indicates that TF-DB-F is financially healthy and has little risk of bankruptcy at the moment.
  • TF-DB-F has a Altman-Z score of 3.97. This is in the better half of the industry: TF-DB-F outperforms 66.67% of its industry peers.
  • A Debt/Equity ratio of 1.97 is on the high side and indicates that TF-DB-F has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.97, TF-DB-F is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Altman-Z 3.97
ROIC/WACC0.35
WACC7.35%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

2.3 Liquidity

  • TF-DB-F has a Current Ratio of 0.50. This is a bad value and indicates that TF-DB-F is not financially healthy enough and could expect problems in meeting its short term obligations.
  • TF-DB-F has a Current ratio of 0.50. This is in the lower half of the industry: TF-DB-F underperforms 73.33% of its industry peers.
  • TF-DB-F has a Quick Ratio of 0.50. This is a bad value and indicates that TF-DB-F is not financially healthy enough and could expect problems in meeting its short term obligations.
  • TF-DB-F's Quick ratio of 0.50 is on the low side compared to the rest of the industry. TF-DB-F is outperformed by 73.33% of its industry peers.
Industry RankSector Rank
Current Ratio 0.5
Quick Ratio 0.5
TF-DB-F.CA Yearly Current Assets VS Current LiabilitesTF-DB-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TF-DB-F.CA Growth Analysis

3.1 Past

  • The earnings per share for TF-DB-F have decreased strongly by -25.00% 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 -7.79% on average per year.
  • TF-DB-F shows a decrease in Revenue. In the last year, the revenue decreased by -5.97%.
  • Measured over the past years, TF-DB-F shows a small growth in Revenue. The Revenue has been growing by 3.84% on average per year.
EPS 1Y (TTM)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
Revenue 1Y (TTM)-5.97%
Revenue growth 3Y0.7%
Revenue growth 5Y3.84%
Sales Q2Q%-24.73%

3.2 Future

  • TF-DB-F is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.90% yearly.
  • TF-DB-F is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.11% yearly.
EPS Next Y52.86%
EPS Next 2Y26.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.16%
Revenue Next 2Y1.11%
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 decreasing.
TF-DB-F.CA Yearly Revenue VS EstimatesTF-DB-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
TF-DB-F.CA Yearly EPS VS EstimatesTF-DB-F.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8

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1

4. TF-DB-F.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 242.98, TF-DB-F can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, TF-DB-F is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
  • TF-DB-F is valuated expensively when we compare the Price/Earnings ratio to 25.61, which is the current average of the S&P500 Index.
  • TF-DB-F is valuated quite expensively with a Price/Forward Earnings ratio of 158.95.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-F is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 22.79. TF-DB-F is valued rather expensively when compared to this.
Industry RankSector Rank
PE 242.98
Fwd PE 158.95
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 50 100 150 200

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.
  • TF-DB-F's earnings are expected to grow with 26.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.6
PEG (5Y)N/A
EPS Next 2Y26.9%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. TF-DB-F.CA Dividend Analysis

5.1 Amount

  • TF-DB-F has a Yearly Dividend Yield of 10.33%, which is a nice return.
  • TF-DB-F's Dividend Yield is rather good when compared to the industry average which is at 5.62. TF-DB-F pays more dividend than 96.67% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, TF-DB-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.33%

5.2 History

  • The dividend of TF-DB-F decreases each year by -0.25%.
  • TF-DB-F does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-0.25%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • TF-DB-F pays out 150.19% of its income as dividend. This is not a sustainable payout ratio.
DP150.19%
EPS Next 2Y26.9%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -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

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TF-DB-F.CA Fundamentals: All Metrics, Ratios and Statistics

TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (3/24/2026, 7:00:00 PM)

102.05

-0.11 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners2.67%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.44B
Revenue(TTM)151.76M
Net Income(TTM)34.45M
Analysts78.33
Price Target111.2 (8.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.33%
Yearly Dividend0.62
Dividend Growth(5Y)-0.25%
DP150.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-75.73%
Min EPS beat(2)-106.16%
Max EPS beat(2)-45.3%
EPS beat(4)1
Avg EPS beat(4)-40.37%
Min EPS beat(4)-106.16%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-32.53%
EPS beat(12)2
Avg EPS beat(12)-22.46%
EPS beat(16)3
Avg EPS beat(16)-18.58%
Revenue beat(2)0
Avg Revenue beat(2)-16.54%
Min Revenue beat(2)-19.81%
Max Revenue beat(2)-13.27%
Revenue beat(4)1
Avg Revenue beat(4)-10.67%
Min Revenue beat(4)-19.81%
Max Revenue beat(4)2.85%
Revenue beat(8)2
Avg Revenue beat(8)-8.38%
Revenue beat(12)5
Avg Revenue beat(12)3.72%
Revenue beat(16)9
Avg Revenue beat(16)10.11%
PT rev (1m)-8.42%
PT rev (3m)-8.42%
EPS NQ rev (1m)-5.05%
EPS NQ rev (3m)-5.05%
EPS NY rev (1m)-7.88%
EPS NY rev (3m)-7.88%
Revenue NQ rev (1m)2.76%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)1.38%
Revenue NY rev (3m)1.38%
Valuation
Industry RankSector Rank
PE 242.98
Fwd PE 158.95
P/S 55.64
P/FCF N/A
P/OCF N/A
P/B 12.75
P/tB 12.75
EV/EBITDA N/A
EPS(TTM)0.42
EY0.41%
EPS(NY)0.64
Fwd EY0.63%
FCF(TTM)-1.31
FCFYN/A
OCF(TTM)-1.31
OCFYN/A
SpS1.83
BVpS8
TBVpS8
PEG (NY)4.6
PEG (5Y)N/A
Graham Number8.7
Profitability
Industry RankSector Rank
ROA 1.74%
ROE 5.2%
ROCE 3.62%
ROIC 2.6%
ROICexc 2.61%
ROICexgc 2.62%
OM 46.91%
PM (TTM) 22.7%
GM 71.04%
FCFM N/A
ROA(3y)2.71%
ROA(5y)2.68%
ROE(3y)7.13%
ROE(5y)7.09%
ROIC(3y)3.33%
ROIC(5y)3.29%
ROICexc(3y)3.35%
ROICexc(5y)3.3%
ROICexgc(3y)3.37%
ROICexgc(5y)3.32%
ROCE(3y)4.63%
ROCE(5y)4.58%
ROICexgc growth 3Y-7.54%
ROICexgc growth 5Y-5.04%
ROICexc growth 3Y-7.52%
ROICexc growth 5Y-4.94%
OM growth 3Y-7.13%
OM growth 5Y-5.78%
PM growth 3Y-15.48%
PM growth 5Y-2.27%
GM growth 3Y-1.48%
GM growth 5Y-1.86%
F-Score2
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.41
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.5
Quick Ratio 0.5
Altman-Z 3.97
F-Score2
WACC7.35%
ROIC/WACC0.35
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)-25%
EPS 3Y-15.25%
EPS 5Y-7.79%
EPS Q2Q%-133.33%
EPS Next Y52.86%
EPS Next 2Y26.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.97%
Revenue growth 3Y0.7%
Revenue growth 5Y3.84%
Sales Q2Q%-24.73%
Revenue Next Year3.16%
Revenue Next 2Y1.11%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.47%
EBIT growth 3Y-6.49%
EBIT growth 5Y-2.16%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-57.06%
OCF growth 3YN/A
OCF growth 5YN/A

TIMBERCREEK FINANCIAL CO / TF-DB-F.CA Fundamental Analysis FAQ

What is the fundamental rating for TF-DB-F stock?

ChartMill assigns a fundamental rating of 3 / 10 to TF-DB-F.CA.


What is the valuation status of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) stock?

ChartMill assigns a valuation rating of 1 / 10 to TIMBERCREEK FINANCIAL CO (TF-DB-F.CA). This can be considered as Overvalued.


What is the profitability of TF-DB-F stock?

TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) has a profitability rating of 3 / 10.


How financially healthy is TIMBERCREEK FINANCIAL CO?

The financial health rating of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) is 2 / 10.


How sustainable is the dividend of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) stock?

The dividend rating of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) is 4 / 10 and the dividend payout ratio is 150.19%.