TIMBERCREEK FINANCIAL CORP (TF.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:TF • CA88709B1040

7.08 CAD
-0.05 (-0.7%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

3

TF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. TF has a medium profitability rating, but doesn't score so well on its financial health evaluation. TF has a expensive valuation and it also scores bad on growth. TF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year TF was profitable.
  • TF had a negative operating cash flow in the past year.
  • Each year in the past 5 years TF has been profitable.
  • Of the past 5 years TF 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 2.17%, TF is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 5.60%, TF is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • The Return On Invested Capital of TF (2.80%) is worse than 60.71% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TF is below the industry average of 7.95%.
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

  • The Profit Margin of TF (24.62%) is better than 64.29% of its industry peers.
  • In the last couple of years the Profit Margin of TF has declined.
  • TF's Operating Margin of 43.60% is fine compared to the rest of the industry. TF outperforms 67.86% of its industry peers.
  • In the last couple of years the Operating Margin of TF has declined.
  • TF has a Gross Margin of 74.20%. This is amongst the best in the industry. TF outperforms 96.43% 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 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. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TF is destroying value.
  • Compared to 1 year ago, TF has about the same amount of shares outstanding.
  • Compared to 5 years ago, TF has less shares outstanding
  • 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

  • TF has an Altman-Z score of 0.49. 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 (0.49) than 78.57% of its industry peers.
  • TF has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of TF (1.55) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF N/A
Altman-Z 0.49
ROIC/WACC0.46
WACC6.14%
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

  • A Current Ratio of 0.10 indicates that TF may have some problems paying its short term obligations.
  • TF has a Current ratio of 0.10. This is in the lower half of the industry: TF underperforms 60.71% of its industry peers.
  • TF has a Quick 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.
  • TF's Quick ratio of 0.10 is on the low side compared to the rest of the industry. TF is outperformed by 60.71% 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. Growth

3.1 Past

  • The earnings per share for TF have decreased strongly by -35.21% in the last year.
  • Measured over the past years, TF shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.23% on average per year.
  • TF shows a decrease in Revenue. In the last year, the revenue decreased by -8.53%.
  • The Revenue has been growing slightly by 4.88% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 8.96% on average over the next years. This is quite good.
  • TF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.76% yearly.
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

  • 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

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.39, the valuation of TF can be described as correct.
  • Based on the Price/Earnings ratio, TF is valued a bit cheaper than 64.29% of the companies in the same industry.
  • TF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.67.
  • Based on the Price/Forward Earnings ratio of 10.16, the valuation of TF can be described as reasonable.
  • 78.57% of the companies in the same industry are more expensive than TF, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.20, TF is valued rather cheaply.
Industry RankSector Rank
PE 15.39
Fwd PE 10.16
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)1.95
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. Dividend

5.1 Amount

  • TF has a Yearly Dividend Yield of 9.65%, which is a nice return.
  • Compared to an average industry Dividend Yield of 5.61, TF pays a better dividend. On top of this TF pays more dividend than 85.71% 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 9.65%

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.
  • 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

  • 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 2Y11.56%
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

TIMBERCREEK FINANCIAL CORP

TSX:TF (2/5/2026, 7:00:00 PM)

7.08

-0.05 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29
Earnings (Next)02-23
Inst Owners2.86%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap585.87M
Revenue(TTM)154.25M
Net Income(TTM)37.97M
Analysts80
Price Target7.91 (11.72%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.65%
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)-5.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)0%
EPS NY rev (3m)-14.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.57%
Valuation
Industry RankSector Rank
PE 15.39
Fwd PE 10.16
P/S 3.8
P/FCF N/A
P/OCF N/A
P/B 0.86
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)0.46
EY6.5%
EPS(NY)0.7
Fwd EY9.84%
FCF(TTM)-0.47
FCFYN/A
OCF(TTM)-0.46
OCFYN/A
SpS1.86
BVpS8.19
TBVpS8.19
PEG (NY)1.95
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 0.49
F-Score3
WACC6.14%
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 3 / 10 to TIMBERCREEK FINANCIAL CORP (TF.CA). This can be considered as Overvalued.


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 7.91% in the next year.