TIMBERCREEK FINANCIAL CORP (TF.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TF - CA88709B1040 - Common Stock
6.9 CAD
0 (0%)
We assign a fundamental rating of 3 out of 10 to TF. TF was compared to 26 industry peers in the Financial Services industry. There are concerns on the financial health of TF while its profitability can be described as average. TF has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally TF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year TF was profitable.
TF had a negative operating cash flow in the past year.
TF had positive earnings in each of the past 5 years.
Of the past 5 years TF 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 2.17%, TF perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
TF has a Return On Equity (5.60%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 2.80%, TF is doing worse than 62.07% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TF is below the industry average of 5.80%.
| Industry Rank | Sector 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%
1.3 Margins
TF has a Profit Margin of 24.62%. This is comparable to the rest of the industry: TF outperforms 58.62% of its industry peers.
TF's Profit Margin has declined in the last couple of years.
TF has a better Operating Margin (43.60%) than 62.07% of its industry peers.
TF's Operating Margin has declined in the last couple of years.
TF's Gross Margin of 74.20% is amongst the best of the industry. TF outperforms 93.10% of its industry peers.
In the last couple of years the Gross Margin of TF has remained more or less at the same level.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF is destroying value.
Compared to 1 year ago, TF has about the same amount of shares outstanding.
The number of shares outstanding for TF has been reduced compared to 5 years ago.
The debt/assets ratio for TF has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.48, we must say that TF is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.48, TF is doing worse than 82.76% of the companies in the same industry.
TF has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
TF's Debt to Equity ratio of 1.55 is in line compared to the rest of the industry. TF outperforms 41.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.48 |
ROIC/WACC0.64
WACC4.37%
2.3 Liquidity
A Current Ratio of 0.10 indicates that TF may have some problems paying its short term obligations.
TF has a Current ratio (0.10) which is in line with its industry peers.
A Quick Ratio of 0.10 indicates that TF may have some problems paying its short term obligations.
The Quick ratio of TF (0.10) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
The earnings per share for TF have decreased strongly by -35.21% in the last year.
TF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.23% yearly.
Looking at the last year, TF shows a decrease in Revenue. The Revenue has decreased by -8.53% in the last year.
TF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
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 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
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.00, the valuation of TF can be described as correct.
Based on the Price/Earnings ratio, TF is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
TF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
The Price/Forward Earnings ratio is 9.90, which indicates a very decent valuation of TF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TF indicates a rather cheap valuation: TF is cheaper than 82.76% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, TF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 9.9 |
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 an expensive valuation of the company.
PEG (NY)1.9
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%
5. Dividend
5.1 Amount
TF has a Yearly Dividend Yield of 10.00%, which is a nice return.
TF's Dividend Yield is rather good when compared to the industry average which is at 5.82. TF pays more dividend than 86.21% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, TF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10% |
5.2 History
The dividend of TF has a limited annual growth rate of 1.26%.
TF has been paying a dividend for at least 10 years, so it has a reliable track record.
As TF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)1.26%
Div Incr Years1
Div Non Decr Years8
5.3 Sustainability
136.17% of the earnings are spent on dividend by TF. This is not a sustainable payout ratio.
TF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP136.17%
EPS Next 2Y11.56%
EPS Next 3Y8.96%
TSX:TF (12/24/2025, 7:00:00 PM)
6.9
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.97%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap570.98M
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target7.91 (14.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP136.17%
Div Incr Years1
Div Non Decr Years8
Ex-Date
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)4
Avg Revenue beat(12)1.22%
Revenue beat(16)8
Avg Revenue beat(16)7.28%
PT rev (1m)0%
PT rev (3m)-5.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)-6.51%
EPS NY rev (3m)-14.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)-1.85%
Revenue NY rev (3m)-4.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 9.9 | ||
| P/S | 3.7 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.84 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.46
EY6.67%
EPS(NY)0.7
Fwd EY10.1%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)1.9
PEG (5Y)N/A
Graham Number9.21
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.48 |
F-Score3
WACC4.37%
ROIC/WACC0.64
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 CORP / TF.CA FAQ
What is the fundamental rating for TF stock?
ChartMill assigns a fundamental rating of 3 / 10 to TF.CA.
What is the valuation status of TIMBERCREEK FINANCIAL CORP (TF.CA) stock?
ChartMill assigns a valuation rating of 4 / 10 to TIMBERCREEK FINANCIAL CORP (TF.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for TIMBERCREEK FINANCIAL CORP?
TIMBERCREEK FINANCIAL CORP (TF.CA) has a profitability rating of 4 / 10.
How financially healthy is TIMBERCREEK FINANCIAL CORP?
The financial health rating of TIMBERCREEK FINANCIAL CORP (TF.CA) is 2 / 10.
What is the expected EPS growth for TIMBERCREEK FINANCIAL CORP (TF.CA) stock?
The Earnings per Share (EPS) of TIMBERCREEK FINANCIAL CORP (TF.CA) is expected to grow by 7.91% in the next year.