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

TSX:TF-DB-F • CA88709BAG91

101.84 CAD
-0.85 (-0.83%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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 30 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 is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • TF-DB-F had positive earnings in the past year.
  • 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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

  • With a Return On Assets value of 2.17%, TF-DB-F perfoms like the industry average, outperforming 56.67% of the companies in the same industry.
  • The Return On Equity of TF-DB-F (5.60%) is comparable to the rest of the industry.
  • The Return On Invested Capital of TF-DB-F (2.80%) is worse than 63.33% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for TF-DB-F is below the industry average of 7.21%.
Industry RankSector Rank
ROA 2.17%
ROE 5.6%
ROIC 2.8%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • TF-DB-F has a Profit Margin of 24.62%. This is comparable to the rest of the industry: TF-DB-F outperforms 60.00% of its industry peers.
  • TF-DB-F's Profit Margin has declined in the last couple of years.
  • The Operating Margin of TF-DB-F (43.60%) is better than 63.33% of its industry peers.
  • In the last couple of years the Operating Margin of TF-DB-F has declined.
  • With an excellent Gross Margin value of 74.20%, TF-DB-F belongs to the best of the industry, outperforming 86.67% 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 43.6%
PM (TTM) 24.62%
GM 74.2%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 5 years ago, TF-DB-F has less shares outstanding
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • An Altman-Z score of 4.89 indicates that TF-DB-F is not in any danger for bankruptcy at the moment.
  • TF-DB-F's Altman-Z score of 4.89 is fine compared to the rest of the industry. TF-DB-F outperforms 73.33% of its industry peers.
  • TF-DB-F has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
  • TF-DB-F has a worse Debt to Equity ratio (1.55) than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Altman-Z 4.89
ROIC/WACC0.38
WACC7.45%
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 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • TF-DB-F has a Current Ratio of 0.10. 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 0.10. 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 0.10. 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 Quick ratio of 0.10. This is in the lower half of the industry: TF-DB-F underperforms 73.33% of its industry peers.
Industry RankSector Rank
Current Ratio 0.1
Quick Ratio 0.1
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 5M 10M 15M

More info and screens

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

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 -35.21%.
  • 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 -8.53%.
  • 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)-35.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-41.18%
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%

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 8.96% yearly.
  • The Revenue is expected to grow by 1.76% on average over the next years.
EPS Next Y7.91%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
EPS Next 5YN/A
Revenue Next Year1.86%
Revenue Next 2Y1.8%
Revenue Next 3Y1.76%
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.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

0

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 221.39, which means the current valuation is very expensive for TF-DB-F.
  • 63.33% of the companies in the same industry are cheaper than TF-DB-F, based on the Price/Earnings ratio.
  • TF-DB-F is valuated expensively when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 146.12, TF-DB-F can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TF-DB-F indicates a slightly more expensive valuation: TF-DB-F is more expensive than 60.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, TF-DB-F is valued quite expensively.
Industry RankSector Rank
PE 221.39
Fwd PE 146.12
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.
PEG (NY)28.01
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.43%, 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 5.63. TF-DB-F pays more dividend than 93.33% of the companies in the same industry.
  • TF-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 9.43%

5.2 History

  • The dividend of TF-DB-F has a limited annual growth rate of 1.26%.
  • TF-DB-F is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)1.26%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 136.17% 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.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (2/20/2026, 7:00:00 PM)

101.84

-0.85 (-0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29
Earnings (Next)02-25
Inst Owners2.86%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap8.43B
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target121.43 (19.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.43%
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP136.17%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-29.82%
Min EPS beat(2)-45.3%
Max EPS beat(2)-14.33%
EPS beat(4)1
Avg EPS beat(4)-34.37%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-19.62%
EPS beat(12)2
Avg EPS beat(12)-14.95%
EPS beat(16)3
Avg EPS beat(16)-11.98%
Revenue beat(2)0
Avg Revenue beat(2)-12.86%
Min Revenue beat(2)-13.27%
Max Revenue beat(2)-12.45%
Revenue beat(4)2
Avg Revenue beat(4)-4.57%
Min Revenue beat(4)-13.27%
Max Revenue beat(4)4.6%
Revenue beat(8)2
Avg Revenue beat(8)-5.99%
Revenue beat(12)6
Avg Revenue beat(12)8%
Revenue beat(16)10
Avg Revenue beat(16)12.36%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.85%
Valuation
Industry RankSector Rank
PE 221.39
Fwd PE 146.12
P/S 54.64
P/FCF N/A
P/OCF N/A
P/B 12.44
P/tB 12.44
EV/EBITDA N/A
EPS(TTM)0.46
EY0.45%
EPS(NY)0.7
Fwd EY0.68%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)28.01
PEG (5Y)N/A
Graham Number9.21
Profitability
Industry RankSector Rank
ROA 2.17%
ROE 5.6%
ROCE 3.89%
ROIC 2.8%
ROICexc 2.8%
ROICexgc 2.81%
OM 43.6%
PM (TTM) 24.62%
GM 74.2%
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%
ROICexgc growth 3Y0.03%
ROICexgc 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 1.55
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.02
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.1
Quick Ratio 0.1
Altman-Z 4.89
F-Score3
WACC7.45%
ROIC/WACC0.38
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)-35.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-41.18%
EPS Next Y7.91%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%0.04%
Revenue Next Year1.86%
Revenue Next 2Y1.8%
Revenue Next 3Y1.76%
Revenue Next 5YN/A
EBIT growth 1Y-25.8%
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-140.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-139.93%
OCF growth 3YN/A
OCF growth 5YN/A

TIMBERCREEK FINANCIAL CO / TF-DB-F.CA 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 0 / 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 4 / 10.


How financially healthy is TIMBERCREEK FINANCIAL CO?

The financial health rating of TIMBERCREEK FINANCIAL CO (TF-DB-F.CA) is 3 / 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 5 / 10 and the dividend payout ratio is 136.17%.