TIMBERCREEK FINANCIAL CORP (TF.CA) Stock Fundamental Analysis
TSX:TF - CA88709B1040 - Common Stock
7.67 CAD
-0.01 (-0.13%)
Taking everything into account, TF scores 4 out of 10 in our fundamental rating. TF was compared to 28 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. Finally 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
Looking at the Return On Assets, with a value of 2.38%, TF is in line with its industry, outperforming 57.14% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.37%, TF is in line with its industry, outperforming 42.86% of the companies in the same industry.
TF has a Return On Invested Capital of 2.93%. This is in the lower half of the industry: TF underperforms 64.29% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TF is in line with the industry average of 5.12%.
| 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 57.14% of its industry peers.
TF's Profit Margin has declined in the last couple of years.
TF's Operating Margin of 47.36% is fine compared to the rest of the industry. TF outperforms 60.71% of its industry peers.
TF's Operating Margin has declined in the last couple of years.
The Gross Margin of TF (76.24%) is better than 96.43% of its industry peers.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
Compared to 1 year ago, TF has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.50, 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 0.50, TF is doing worse than 78.57% of the companies in the same industry.
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 (1.66) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.5 |
ROIC/WACC0.48
WACC6.11%
2.3 Liquidity
A Current Ratio of 0.14 indicates that TF may have some problems paying its short term obligations.
TF's Current ratio of 0.14 is fine compared to the rest of the industry. TF outperforms 60.71% of its industry peers.
A Quick Ratio of 0.14 indicates that TF may have some problems paying its short term obligations.
TF's Quick ratio of 0.14 is fine compared to the rest of the industry. TF outperforms 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
3. Growth
3.1 Past
The earnings per share for TF have decreased strongly by -27.40% in the last year.
The Earnings Per Share has been decreasing by -3.23% on average over the past years.
TF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.40%.
TF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
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.
Based on estimates for the next years, TF will show a small growth in Revenue. The Revenue will grow by 5.75% on average per year.
EPS Next Y28.29%
EPS Next 2Y14.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.22%
Revenue Next 2Y5.75%
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
The Price/Earnings ratio is 14.47, which indicates a correct valuation of TF.
Based on the Price/Earnings ratio, TF is valued a bit cheaper than 71.43% of the companies in the same industry.
TF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.38, the valuation of TF can be described as reasonable.
Based on the Price/Forward Earnings ratio, TF is valued cheaper than 82.14% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.69, TF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.47 | ||
| Fwd PE | 10.38 |
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.
A more expensive valuation may be justified as TF's earnings are expected to grow with 14.88% in the coming years.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y14.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.98%, TF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.13, TF pays a better dividend. On top of this TF pays more dividend than 89.29% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, TF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.98% |
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 118.44% 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.
DP118.44%
EPS Next 2Y14.88%
EPS Next 3YN/A
TSX:TF (9/5/2025, 7:00:00 PM)
7.67
-0.01 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners3.94%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap634.69M
Analysts80
Price Target8.35 (8.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.98% |
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)3.97%
PT rev (3m)3.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.5%
EPS NY rev (1m)4.62%
EPS NY rev (3m)4.62%
Revenue NQ rev (1m)-1.43%
Revenue NQ rev (3m)3.88%
Revenue NY rev (1m)-1.94%
Revenue NY rev (3m)-1.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.47 | ||
| Fwd PE | 10.38 | ||
| P/S | 4.07 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.93 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.53
EY6.91%
EPS(NY)0.74
Fwd EY9.64%
FCF(TTM)-1.19
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS1.89
BVpS8.26
TBVpS8.26
PEG (NY)0.51
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 | 0.5 |
F-Score3
WACC6.11%
ROIC/WACC0.48
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 Y28.29%
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 Year8.22%
Revenue Next 2Y5.75%
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