TIMBERCREEK FINANCIAL CO(TSX:TF-DB-F) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to TF-DB-F. TF-DB-F was compared to 30 industry peers in the Financial Services industry. Both the profitability and financial health of TF-DB-F have multiple concerns. 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

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.

1.2 Ratios

TF-DB-F has a Return On Assets (2.66%) which is in line with its industry peers.

TF-DB-F has a Return On Equity of 6.72%. This is in the lower half of the industry: TF-DB-F underperforms 66.67% of its industry peers.

With a Return On Invested Capital value of 3.16%, TF-DB-F is not doing good in the industry: 76.67% of the companies in the same industry are doing better.

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 5.68%.

		Industry Rank	Sector Rank
ROA	2.66%
ROE	6.72%
ROIC	3.16%

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 28.60%, TF-DB-F is in line with its industry, outperforming 46.67% 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 Operating Margin of 46.66%. This is comparable to the rest of the industry: TF-DB-F outperforms 50.00% of its industry peers.

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

TF-DB-F's Gross Margin of 75.44% is amongst the best of the industry. TF-DB-F outperforms 86.67% of its industry peers.

TF-DB-F's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	46.66%
PM (TTM)	28.6%
GM	75.44%

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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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

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 5.03. This indicates that TF-DB-F is financially healthy and has little risk of bankruptcy at the moment.

With a Altman-Z score value of 5.03, TF-DB-F perfoms like the industry average, outperforming 56.67% of the companies in the same industry.

TF-DB-F has a Debt/Equity ratio of 1.40. This is a high value indicating a heavy dependency on external financing.

TF-DB-F has a Debt to Equity ratio of 1.40. This is in the lower half of the industry: TF-DB-F underperforms 66.67% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Altman-Z	5.03

ROIC/WACC0.39

WACC8.1%

2.3 Liquidity

A Current Ratio of 0.77 indicates that TF-DB-F may have some problems paying its short term obligations.

The Current ratio of TF-DB-F (0.77) is comparable to the rest of the industry.

A Quick Ratio of 0.77 indicates that TF-DB-F may have some problems paying its short term obligations.

Looking at the Quick ratio, with a value of 0.77, TF-DB-F is in line with its industry, outperforming 56.67% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.77
Quick Ratio	0.77

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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

The earnings per share for TF-DB-F have decreased strongly by -28.21% in the last year.

TF-DB-F shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.

The Revenue for TF-DB-F has decreased by -10.81% in the past year. This is quite bad

TF-DB-F shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.

EPS 1Y (TTM)-28.21%

EPS 3Y-6.27%

EPS 5Y-3.23%

EPS Q2Q%-83.33%

Revenue 1Y (TTM)-10.81%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%-6.97%

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 12.38% yearly.

The Revenue is expected to grow by 7.33% on average over the next years.

EPS Next Y22.62%

EPS Next 2Y12.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.11%

Revenue Next 2Y7.33%

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

With a Price/Earnings ratio of 182.20, 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 73.33% of the companies are valued more cheaply.

The average S&P500 Price/Earnings ratio is at 23.99. TF-DB-F is valued rather expensively when compared to this.

Based on the Price/Forward Earnings ratio of 148.59, 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 73.33% of the companies in the same industry.

TF-DB-F's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 20.35.

		Industry Rank	Sector Rank
PE	182.2
Fwd PE	148.59

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 TF-DB-F does not grow enough to justify the current Price/Earnings ratio.

A more expensive valuation may be justified as TF-DB-F's earnings are expected to grow with 12.38% in the coming years.

PEG (NY)8.05

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 9.89%, 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 8.27. TF-DB-F pays more dividend than 86.67% 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 2.44.

		Industry Rank	Sector Rank
Dividend Yield	9.89%

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

121.70% of the earnings are spent on dividend by TF-DB-F. This is not a sustainable payout ratio.

TF-DB-F's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP121.7%

EPS Next 2Y12.38%

EPS Next 3YN/A

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TIMBERCREEK FINANCIAL CO

TSX:TF-DB-F (5/6/2025, 7:00:00 PM)

102.03

-0.47 (-0.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)02-25 2025-02-25/amc

Earnings (Next)05-05 2025-05-05

Inst Owners4.75%

Inst Owner ChangeN/A

Ins Owners0.86%

Ins Owner ChangeN/A

Market Cap8.45B

Analysts80

Price Target127.41 (24.88%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.89%

Yearly Dividend0.68

Dividend Growth(5Y)1.26%

DP121.7%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-45.24%

Min EPS beat(2)-82.17%

Max EPS beat(2)-8.31%

EPS beat(4)1

Avg EPS beat(4)-24.69%

Min EPS beat(4)-82.17%

Max EPS beat(4)2.48%

EPS beat(8)1

Avg EPS beat(8)-13.51%

EPS beat(12)2

Avg EPS beat(12)-11.32%

EPS beat(16)2

Avg EPS beat(16)-9.76%

Revenue beat(2)1

Avg Revenue beat(2)-3.61%

Min Revenue beat(2)-11.82%

Max Revenue beat(2)4.6%

Revenue beat(4)1

Avg Revenue beat(4)-6.09%

Min Revenue beat(4)-11.82%

Max Revenue beat(4)4.6%

Revenue beat(8)4

Avg Revenue beat(8)10.92%

Revenue beat(12)8

Avg Revenue beat(12)17.04%

Revenue beat(16)12

Avg Revenue beat(16)17.2%

PT rev (1m)0%

PT rev (3m)16.53%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)-4.76%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.89%

Revenue NY rev (1m)0%

Revenue NY rev (3m)4.72%

Valuation

		Industry Rank	Sector Rank
PE	182.2
Fwd PE	148.59
P/S	52.34
P/FCF	N/A
P/OCF	N/A
P/B	12.3
P/tB	12.3
EV/EBITDA	N/A

EPS(TTM)0.56

EY0.55%

EPS(NY)0.69

Fwd EY0.67%

FCF(TTM)-0.84

FCFYN/A

OCF(TTM)-0.83

OCFYN/A

SpS1.95

BVpS8.29

TBVpS8.29

PEG (NY)8.05

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	2.66%
ROE	6.72%
ROCE	4.39%
ROIC	3.16%
ROICexc	3.18%
ROICexgc	3.19%
OM	46.66%
PM (TTM)	28.6%
GM	75.44%
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-Score5

Asset Turnover0.09

Health

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.33%
Interest Coverage	2.33
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.77
Quick Ratio	0.77
Altman-Z	5.03

F-Score5

WACC8.1%

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)-28.21%

EPS 3Y-6.27%

EPS 5Y-3.23%

EPS Q2Q%-83.33%

EPS Next Y22.62%

EPS Next 2Y12.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-10.81%

Revenue growth 3Y11.46%

Revenue growth 5Y4.88%

Sales Q2Q%-6.97%

Revenue Next Year9.11%

Revenue Next 2Y7.33%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-27.91%

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-177.18%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-176.59%

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

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens