TIMBERCREEK FINANCIAL CORP (TF.CA) Stock Fundamental Analysis
TSX:TF - Toronto Stock Exchange - CA88709B1040 - Common Stock - Currency: CAD
Taking everything into account, TF scores 4 out of 10 in our fundamental rating. TF was compared to 29 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 correct valuation and a medium growth rate. TF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year TF was profitable.
In the past year TF has reported a negative cash flow from operations.
In the past 5 years TF has always been profitable.
Of the past 5 years TF 4 years had a positive operating cash flow.
1.2 Ratios
TF has a Return On Assets (2.60%) which is comparable to the rest of the industry.
The Return On Equity of TF (6.79%) is comparable to the rest of the industry.
TF has a Return On Invested Capital of 3.17%. This is in the lower half of the industry: TF underperforms 65.52% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TF is below the industry average of 5.71%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 6.79% | ||
| ROIC | 3.17% |
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
With a Profit Margin value of 28.87%, TF perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
TF's Profit Margin has declined in the last couple of years.
TF's Operating Margin of 48.34% is fine compared to the rest of the industry. TF outperforms 62.07% of its industry peers.
In the last couple of years the Operating Margin of TF has declined.
TF's Gross Margin of 77.25% is amongst the best of the industry. TF outperforms 96.55% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 48.34% | ||
| PM (TTM) | 28.87% | ||
| GM | 77.25% |
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
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.
TF has less shares outstanding than it did 5 years ago.
TF has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.31, we must say that TF is in the distress zone and has some risk of bankruptcy.
TF has a Altman-Z score of 0.31. This is in the lower half of the industry: TF underperforms 79.31% of its industry peers.
A Debt/Equity ratio of 1.59 is on the high side and indicates that TF has dependencies on debt financing.
TF has a Debt to Equity ratio (1.59) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.59 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.31 |
ROIC/WACC0.53
WACC5.98%
2.3 Liquidity
A Current Ratio of 0.02 indicates that TF may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.02, TF is doing worse than 68.97% of the companies in the same industry.
TF has a Quick Ratio of 0.02. 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 has a Quick ratio of 0.02. This is in the lower half of the industry: TF underperforms 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
The earnings per share for TF have decreased strongly by -22.97% 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 -8.46% in the last year.
TF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.88% yearly.
EPS 1Y (TTM)-22.97%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%5.88%
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%15.04%
3.2 Future
TF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.38% yearly.
TF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.89% yearly.
EPS Next Y22.62%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.36%
Revenue Next 2Y6.89%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
TF is valuated correctly with a Price/Earnings ratio of 13.67.
Compared to the rest of the industry, the Price/Earnings ratio of TF indicates a somewhat cheap valuation: TF is cheaper than 72.41% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TF to the average of the S&P500 Index (27.48), we can say TF is valued rather cheaply.
TF is valuated reasonably with a Price/Forward Earnings ratio of 11.01.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TF indicates a somewhat cheap valuation: TF is cheaper than 79.31% of the companies listed in the same industry.
TF is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.67 | ||
| Fwd PE | 11.01 |
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.
TF's earnings are expected to grow with 12.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y12.38%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TF has a Yearly Dividend Yield of 9.03%, which is a nice return.
TF's Dividend Yield is rather good when compared to the industry average which is at 7.27. TF pays more dividend than 89.66% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, TF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.03% |
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
5.3 Sustainability
TF pays out 110.50% of its income as dividend. This is not a sustainable payout ratio.
The dividend of TF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP110.5%
EPS Next 2Y12.38%
EPS Next 3YN/A
TSX:TF (7/17/2025, 7:00:00 PM)
7.79
-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 Cap644.62M
Analysts80
Price Target8.03 (3.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.03% |
Yearly Dividend0.68
Dividend Growth(5Y)1.26%
DP110.5%
Div Incr Years1
Div Non Decr Years8
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-38.92%
Min EPS beat(2)-82.17%
Max EPS beat(2)4.33%
EPS beat(4)2
Avg EPS beat(4)-20.91%
Min EPS beat(4)-82.17%
Max EPS beat(4)4.33%
EPS beat(8)2
Avg EPS beat(8)-12.9%
EPS beat(12)3
Avg EPS beat(12)-10.44%
EPS beat(16)3
Avg EPS beat(16)-9.19%
Revenue beat(2)2
Avg Revenue beat(2)3.72%
Min Revenue beat(2)2.85%
Max Revenue beat(2)4.6%
Revenue beat(4)2
Avg Revenue beat(4)-2.78%
Min Revenue beat(4)-11.82%
Max Revenue beat(4)4.6%
Revenue beat(8)2
Avg Revenue beat(8)-3.53%
Revenue beat(12)6
Avg Revenue beat(12)8.97%
Revenue beat(16)10
Avg Revenue beat(16)11.08%
PT rev (1m)0%
PT rev (3m)2.72%
EPS NQ rev (1m)4.08%
EPS NQ rev (3m)4.08%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.7%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.67 | ||
| Fwd PE | 11.01 | ||
| P/S | 4 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.94 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.57
EY7.32%
EPS(NY)0.71
Fwd EY9.08%
FCF(TTM)-0.94
FCFYN/A
OCF(TTM)-0.93
OCFYN/A
SpS1.95
BVpS8.29
TBVpS8.29
PEG (NY)0.6
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.6% | ||
| ROE | 6.79% | ||
| ROCE | 5.42% | ||
| ROIC | 3.17% | ||
| ROICexc | 3.18% | ||
| ROICexgc | 3.19% | ||
| OM | 48.34% | ||
| PM (TTM) | 28.87% | ||
| GM | 77.25% | ||
| 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-Score4
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.59 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.32 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 0.31 |
F-Score4
WACC5.98%
ROIC/WACC0.53
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)-22.97%
EPS 3Y-6.27%
EPS 5Y-3.23%
EPS Q2Q%5.88%
EPS Next Y22.62%
EPS Next 2Y12.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.46%
Revenue growth 3Y11.46%
Revenue growth 5Y4.88%
Sales Q2Q%15.04%
Revenue Next Year10.36%
Revenue Next 2Y6.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-19.73%
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-185.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.97%
OCF growth 3YN/A
OCF growth 5YN/A