TIMBERCREEK FINANCIAL CORP (TF.CA) Stock Fundamental Analysis
Canada - TSX:TF - CA88709B1040 - Common Stock
6.63 CAD
-0.09 (-1.34%)
We assign a fundamental rating of 4 out of 10 to TF. TF was compared to 27 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. TF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TF had positive earnings in the past year.
In the past year TF has reported a negative cash flow from operations.
In the past 5 years TF has always been profitable.
Of the past 5 years TF 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of TF (2.17%) is better than 62.96% of its industry peers.
The Return On Equity of TF (5.60%) is comparable to the rest of the industry.
TF has a Return On Invested Capital (2.80%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for TF is below the industry average of 5.61%.
| 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 (24.62%) which is in line with its industry peers.
TF's Profit Margin has declined in the last couple of years.
TF has a better Operating Margin (43.60%) than 66.67% of its industry peers.
In the last couple of years the Operating Margin of TF has declined.
TF's Gross Margin of 74.20% is amongst the best of the industry. TF outperforms 96.30% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF is destroying value.
Compared to 1 year ago, TF has about the same amount of shares outstanding.
TF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TF has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.47, we must say that TF is in the distress zone and has some risk of bankruptcy.
TF's Altman-Z score of 0.47 is on the low side compared to the rest of the industry. TF is outperformed by 81.48% of its industry peers.
A Debt/Equity ratio of 1.55 is on the high side and indicates that TF has dependencies on debt financing.
TF's Debt to Equity ratio of 1.55 is in line compared to the rest of the industry. TF outperforms 44.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.47 |
ROIC/WACC0.64
WACC4.34%
2.3 Liquidity
A Current Ratio of 0.10 indicates that TF may have some problems paying its short term obligations.
With a Current ratio value of 0.10, TF perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
A Quick Ratio of 0.10 indicates that TF may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.10, TF is in line with its industry, outperforming 44.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
TF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.21%.
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.
Measured over the past years, TF shows a small growth in Revenue. The Revenue has been growing by 4.88% on average per year.
EPS 1Y (TTM)-28.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-39.63%
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%46.16%
3.2 Future
The Earnings Per Share is expected to grow by 8.27% on average over the next years. This is quite good.
Based on estimates for the next years, TF will show a small growth in Revenue. The Revenue will grow by 0.74% on average per year.
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
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.
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
A Price/Earnings ratio of 11.84 indicates a reasonable valuation of TF.
Compared to the rest of the industry, the Price/Earnings ratio of TF indicates a somewhat cheap valuation: TF is cheaper than 74.07% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TF to the average of the S&P500 Index (25.56), we can say TF is valued rather cheaply.
TF is valuated reasonably with a Price/Forward Earnings ratio of 9.47.
85.19% of the companies in the same industry are more expensive than TF, based on the Price/Forward Earnings ratio.
TF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.62.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.84 | ||
| Fwd PE | 9.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y8.27%
5. Dividend
5.1 Amount
TF has a Yearly Dividend Yield of 10.30%, which is a nice return.
TF's Dividend Yield is rather good when compared to the industry average which is at 6.79. TF pays more dividend than 85.19% of the companies in the same industry.
TF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.3% |
5.2 History
The dividend of TF has a limited annual growth rate of 1.26%.
TF has paid a dividend for at least 10 years, which is 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
TF pays out 136.17% of its income as dividend. 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 2Y11.84%
EPS Next 3Y8.27%
TSX:TF (11/17/2025, 7:00:00 PM)
6.63
-0.09 (-1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners3.2%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap548.63M
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target8.35 (25.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.3% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP136.17%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)14.58%
Min Revenue beat(2)-12.45%
Max Revenue beat(2)41.61%
Revenue beat(4)3
Avg Revenue beat(4)9.15%
Min Revenue beat(4)-12.45%
Max Revenue beat(4)41.61%
Revenue beat(8)3
Avg Revenue beat(8)0.87%
Revenue beat(12)5
Avg Revenue beat(12)5.79%
Revenue beat(16)9
Avg Revenue beat(16)10.71%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-5.8%
EPS NQ rev (3m)-5.8%
EPS NY rev (1m)-9.06%
EPS NY rev (3m)-5.88%
Revenue NQ rev (1m)-13.65%
Revenue NQ rev (3m)-13.65%
Revenue NY rev (1m)-2.77%
Revenue NY rev (3m)-5.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.84 | ||
| Fwd PE | 9.47 | ||
| P/S | 3.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.81 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.56
EY8.45%
EPS(NY)0.7
Fwd EY10.56%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)0.77
PEG (5Y)N/A
Graham Number10.16
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 | 0.47 |
F-Score3
WACC4.34%
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)-28.21%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-39.63%
EPS Next Y15.42%
EPS Next 2Y11.84%
EPS Next 3Y8.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.53%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%46.16%
Revenue Next Year3.78%
Revenue Next 2Y3.87%
Revenue Next 3Y0.74%
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 4 / 10 to TF.CA.
What is the valuation status of TIMBERCREEK FINANCIAL CORP (TF.CA) stock?
ChartMill assigns a valuation rating of 5 / 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 15.42% in the next year.