TIMBERCREEK FINANCIAL CORP (TF.CA) Fundamental Analysis & Valuation

TSX:TF • CA88709B1040

Current stock price

6.67 CAD
-0.08 (-1.19%)
Last:

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

4

1. TF.CA Profitability Analysis

1.1 Basic Checks

  • In the past year TF was profitable.
  • In the past year TF has reported a negative cash flow from operations.
  • Each year in the past 5 years TF has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: TF reported negative operating cash flow in multiple years.
TF.CA Yearly Net Income VS EBIT VS OCF VS FCFTF.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

  • The Return On Assets of TF (1.74%) is better than 66.67% of its industry peers.
  • The Return On Equity of TF (5.20%) is comparable to the rest of the industry.
  • TF has a Return On Invested Capital of 2.60%. This is comparable to the rest of the industry: TF outperforms 43.33% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TF 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.CA Yearly ROA, ROE, ROICTF.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

  • TF's Profit Margin of 22.70% is fine compared to the rest of the industry. TF outperforms 66.67% of its industry peers.
  • TF's Profit Margin has declined in the last couple of years.
  • TF has a better Operating Margin (46.91%) than 73.33% of its industry peers.
  • In the last couple of years the Operating Margin of TF has declined.
  • TF's Gross Margin of 71.04% is amongst the best of the industry. TF outperforms 86.67% of its industry peers.
  • TF's Gross Margin has declined in the last couple of years.
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.CA Yearly Profit, Operating, Gross MarginsTF.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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. TF.CA Health Analysis

2.1 Basic Checks

  • TF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • TF has less shares outstanding than it did 1 year ago.
  • TF has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for TF is higher compared to a year ago.
TF.CA Yearly Shares OutstandingTF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
TF.CA Yearly Total Debt VS Total AssetsTF.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 has an Altman-Z score of 0.39. This is a bad value and indicates that TF is not financially healthy and even has some risk of bankruptcy.
  • TF has a worse Altman-Z score (0.39) than 70.00% of its industry peers.
  • A Debt/Equity ratio of 1.97 is on the high side and indicates that TF has dependencies on debt financing.
  • TF has a Debt to Equity ratio of 1.97. This is comparable to the rest of the industry: TF outperforms 43.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.97
Debt/FCF N/A
Altman-Z 0.39
ROIC/WACC0.49
WACC5.28%
TF.CA Yearly LT Debt VS Equity VS FCFTF.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

  • A Current Ratio of 0.50 indicates that TF may have some problems paying its short term obligations.
  • TF has a worse Current ratio (0.50) than 63.33% of its industry peers.
  • A Quick Ratio of 0.50 indicates that TF may have some problems paying its short term obligations.
  • TF's Quick ratio of 0.50 is on the low side compared to the rest of the industry. TF is outperformed by 63.33% of its industry peers.
Industry RankSector Rank
Current Ratio 0.5
Quick Ratio 0.5
TF.CA Yearly Current Assets VS Current LiabilitesTF.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.CA Growth Analysis

3.1 Past

  • TF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.00%.
  • Measured over the past years, TF shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.79% on average per year.
  • Looking at the last year, TF shows a decrease in Revenue. The Revenue has decreased by -5.97% in the last year.
  • Measured over the past years, TF 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

  • The Earnings Per Share is expected to grow by 26.90% on average over the next years. This is a very strong growth
  • TF 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.CA Yearly Revenue VS EstimatesTF.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.CA Yearly EPS VS EstimatesTF.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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5

4. TF.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.88, which indicates a correct valuation of TF.
  • Based on the Price/Earnings ratio, TF is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, TF is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 10.39, which indicates a very decent valuation of TF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TF indicates a somewhat cheap valuation: TF is cheaper than 80.00% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. TF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 15.88
Fwd PE 10.39
TF.CA Price Earnings VS Forward Price EarningsTF.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TF.CA Per share dataTF.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

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.
  • A more expensive valuation may be justified as TF's earnings are expected to grow with 26.90% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y26.9%
EPS Next 3YN/A

More info and screens

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

6

5. TF.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 10.22%, TF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.62, TF pays a better dividend. On top of this TF pays more dividend than 86.67% of the companies listed in the same industry.
  • TF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 10.22%

5.2 History

  • The dividend of TF decreases each year by -0.25%.
  • TF has paid a dividend for at least 10 years, which is a reliable track record.
  • TF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)-0.25%
Div Incr Years1
Div Non Decr Years8
TF.CA Yearly Dividends per shareTF.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • TF 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.CA Yearly Income VS Free CF VS DividendTF.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.CA Dividend Payout.TF.CA Dividend Payout, showing the Payout Ratio.TF.CA Dividend Payout.PayoutRetained Earnings

More info and screens

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TF.CA Fundamentals: All Metrics, Ratios and Statistics

TIMBERCREEK FINANCIAL CORP

TSX:TF (3/27/2026, 7:00:00 PM)

6.67

-0.08 (-1.19%)

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 Cap551.94M
Revenue(TTM)151.76M
Net Income(TTM)34.45M
Analysts78.33
Price Target7.6 (13.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.22%
Yearly Dividend0.62
Dividend Growth(5Y)-0.25%
DP150.19%
Div Incr Years1
Div Non Decr Years8
Ex-Date02-27
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)3
Avg Revenue beat(12)-3.06%
Revenue beat(16)7
Avg Revenue beat(16)5.03%
PT rev (1m)0%
PT rev (3m)0%
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 15.88
Fwd PE 10.39
P/S 3.64
P/FCF N/A
P/OCF N/A
P/B 0.83
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)0.42
EY6.3%
EPS(NY)0.64
Fwd EY9.63%
FCF(TTM)-1.31
FCFYN/A
OCF(TTM)-1.31
OCFYN/A
SpS1.83
BVpS8
TBVpS8
PEG (NY)0.3
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 0.39
F-Score2
WACC5.28%
ROIC/WACC0.49
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 CORP / TF.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TIMBERCREEK FINANCIAL CORP?

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


Can you provide the valuation status for TIMBERCREEK FINANCIAL CORP?

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.


What is the financial health of TIMBERCREEK FINANCIAL CORP (TF.CA) stock?

The financial health rating of TIMBERCREEK FINANCIAL CORP (TF.CA) is 1 / 10.


What is the earnings growth outlook for TIMBERCREEK FINANCIAL CORP?

The Earnings per Share (EPS) of TIMBERCREEK FINANCIAL CORP (TF.CA) is expected to grow by 52.86% in the next year.