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

TSX:TF • CA88709B1040

6.82 CAD
+0.11 (+1.64%)
Last: Mar 4, 2026, 07:00 PM
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This TF.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

TF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 32 industry peers in the Financial Services industry. While TF is still in line with the averages on profitability rating, there are concerns on its financial health. TF has a valuation in line with the averages, but it does not seem to be growing. TF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. TF.CA Profitability Analysis

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.
  • TF had positive earnings in each of the past 5 years.
  • TF had a positive operating cash flow in 4 of the past 5 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 0 50M -50M 100M

1.2 Ratios

  • The Return On Assets of TF (2.17%) is better than 68.75% of its industry peers.
  • TF has a Return On Equity (5.60%) which is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 2.80%, TF is in line with its industry, outperforming 50.00% 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 6.74%.
Industry RankSector 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%
TF.CA Yearly ROA, ROE, ROICTF.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • TF has a Profit Margin of 24.62%. This is in the better half of the industry: TF outperforms 71.88% of its industry peers.
  • TF's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 43.60%, TF is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of TF has declined.
  • The Gross Margin of TF (74.20%) is better than 96.88% of its industry peers.
  • TF's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
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 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. TF.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TF is destroying value.
  • The number of shares outstanding for TF remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for TF has been reduced compared to 5 years ago.
  • TF has a better debt/assets ratio than last year.
TF.CA Yearly Shares OutstandingTF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B

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 has a worse Altman-Z score (0.48) than 65.63% 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 has a Debt to Equity ratio (1.55) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Altman-Z 0.48
ROIC/WACC0.46
WACC6.08%
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 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • TF has a Current Ratio of 0.10. This is a bad value and indicates that TF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.10, TF is doing worse than 65.63% 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.
  • TF has a worse Quick ratio (0.10) than 65.63% of its industry peers.
Industry RankSector Rank
Current Ratio 0.1
Quick Ratio 0.1
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 5M 10M 15M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TF.CA Growth Analysis

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.
  • 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)-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

  • Based on estimates for the next years, TF will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.96% on average per year.
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

4

4. TF.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • TF is valuated correctly with a Price/Earnings ratio of 14.83.
  • 71.88% of the companies in the same industry are more expensive than TF, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.74. TF is valued slightly cheaper when compared to this.
  • TF is valuated reasonably with a Price/Forward Earnings ratio of 9.79.
  • 81.25% of the companies in the same industry are more expensive than TF, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.82. TF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.83
Fwd PE 9.79
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 80 100

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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.88
PEG (5Y)N/A
EPS Next 2Y11.56%
EPS Next 3Y8.96%

More info and screens

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

7

5. TF.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 10.28%, TF is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.77, TF pays a better dividend. On top of this TF pays more dividend than 87.50% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, TF pays a better dividend.
Industry RankSector Rank
Dividend Yield 10.28%

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
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

  • 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%
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 0 50M -50M 100M
TF.CA Dividend Payout.TF.CA Dividend Payout, showing the Payout Ratio.TF.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

TF.CA Fundamentals: All Metrics, Ratios and Statistics

TIMBERCREEK FINANCIAL CORP

TSX:TF (3/4/2026, 7:00:00 PM)

6.82

+0.11 (+1.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners2.86%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap564.36M
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target7.91 (15.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 10.28%
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP136.17%
Div Incr Years1
Div Non Decr Years8
Ex-Date01-30
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.85%
Valuation
Industry RankSector Rank
PE 14.83
Fwd PE 9.79
P/S 3.66
P/FCF N/A
P/OCF N/A
P/B 0.83
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)0.46
EY6.74%
EPS(NY)0.7
Fwd EY10.22%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)1.88
PEG (5Y)N/A
Graham Number9.21
Profitability
Industry RankSector 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 RankSector 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
WACC6.08%
ROIC/WACC0.46
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

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 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 5 / 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 7.91% in the next year.