TIMBERCREEK FINANCIAL CORP (TF.CA) Stock Fundamental Analysis
Canada - TSX:TF - CA88709B1040 - Common Stock
7.14 CAD
-0.12 (-1.65%)
TF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 29 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 it does not seem to be growing. TF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TF had positive earnings in the past year.
TF had a negative operating cash flow in the past year.
Each year in the past 5 years TF has been profitable.
TF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TF's Return On Assets of 2.38% is fine compared to the rest of the industry. TF outperforms 62.07% of its industry peers.
TF has a Return On Equity of 6.37%. This is comparable to the rest of the industry: TF outperforms 48.28% of its industry peers.
With a Return On Invested Capital value of 2.93%, TF perfoms like the industry average, outperforming 41.38% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TF is in line with the industry average of 5.38%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROIC | 2.93% |
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 27.93%. 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.
The Operating Margin of TF (47.36%) is better than 65.52% of its industry peers.
TF's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 76.24%, TF belongs to the top of the industry, outperforming 96.55% of the companies in the same industry.
TF's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% |
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
TF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 0.48, we must say that TF is in the distress zone and has some risk of bankruptcy.
TF's Altman-Z score of 0.48 is on the low side compared to the rest of the industry. TF is outperformed by 79.31% of its industry peers.
A Debt/Equity ratio of 1.66 is on the high side and indicates that TF has dependencies on debt financing.
TF has a Debt to Equity ratio of 1.66. This is comparable to the rest of the industry: TF outperforms 44.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.48 |
ROIC/WACC0.65
WACC4.51%
2.3 Liquidity
A Current Ratio of 0.14 indicates that TF may have some problems paying its short term obligations.
TF has a Current ratio (0.14) which is in line with its industry peers.
TF has a Quick Ratio of 0.14. This is a bad value and indicates that TF is not financially healthy enough and could expect problems in meeting its short term obligations.
TF's Quick ratio of 0.14 is in line compared to the rest of the industry. TF outperforms 58.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
TF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.40%.
The Earnings Per Share has been decreasing by -3.23% on average over the past years.
Looking at the last year, TF shows a very negative growth in Revenue. The Revenue has decreased by -10.40% 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)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%36.44%
3.2 Future
The Earnings Per Share is expected to grow by 14.88% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.61% on average over the next years.
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.73%
Revenue Next 2Y5.61%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.47, 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 75.86% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.35, TF is valued rather cheaply.
The Price/Forward Earnings ratio is 9.66, which indicates a very decent valuation of TF.
82.76% of the companies in the same industry are more expensive than TF, based on the Price/Forward Earnings ratio.
TF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.47 | ||
| Fwd PE | 9.66 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TF's 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 14.88% in the coming years.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.50%, TF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 7.85, TF pays a better dividend. On top of this TF pays more dividend than 86.21% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, TF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.5% |
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.
TF has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)1.26%
Div Incr Years1
Div Non Decr Years8
5.3 Sustainability
118.44% of the earnings are spent on dividend by TF. This is not a sustainable payout ratio.
The dividend of TF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP118.44%
EPS Next 2Y14.88%
EPS Next 3YN/A
TSX:TF (10/10/2025, 7:00:00 PM)
7.14
-0.12 (-1.65%)
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 Cap590.84M
Analysts80
Price Target8.35 (16.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.5% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP118.44%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5%
Min EPS beat(2)-14.33%
Max EPS beat(2)4.33%
EPS beat(4)1
Avg EPS beat(4)-25.12%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-14.33%
EPS beat(12)2
Avg EPS beat(12)-11.87%
EPS beat(16)3
Avg EPS beat(16)-9.67%
Revenue beat(2)2
Avg Revenue beat(2)14.46%
Min Revenue beat(2)2.85%
Max Revenue beat(2)26.07%
Revenue beat(4)3
Avg Revenue beat(4)5.43%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)26.07%
Revenue beat(8)3
Avg Revenue beat(8)-0.24%
Revenue beat(12)6
Avg Revenue beat(12)8.78%
Revenue beat(16)10
Avg Revenue beat(16)11.31%
PT rev (1m)0%
PT rev (3m)3.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)-1.08%
EPS NY rev (3m)3.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.47 | ||
| Fwd PE | 9.66 | ||
| P/S | 3.79 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.86 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.53
EY7.42%
EPS(NY)0.74
Fwd EY10.35%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)0.5
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.38% | ||
| ROE | 6.37% | ||
| ROCE | 4.07% | ||
| ROIC | 2.93% | ||
| ROICexc | 2.93% | ||
| ROICexgc | 2.94% | ||
| OM | 47.36% | ||
| PM (TTM) | 27.93% | ||
| GM | 76.24% | ||
| 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-Score3
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.14 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | 0.48 |
F-Score3
WACC4.51%
ROIC/WACC0.65
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)-27.4%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%-21.05%
EPS Next Y26.91%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%36.44%
Revenue Next Year6.73%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-21.66%
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-201.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.88%
OCF growth 3YN/A
OCF growth 5YN/A