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TANDY LEATHER FACTORY INC (TLF) Stock Fundamental Analysis

USA - NASDAQ:TLF - US87538X1054 - Common Stock

3.1 USD
+0.01 (+0.32%)
Last: 9/18/2025, 8:27:57 PM
Fundamental Rating

5

Taking everything into account, TLF scores 5 out of 10 in our fundamental rating. TLF was compared to 121 industry peers in the Specialty Retail industry. TLF has an excellent financial health rating, but there are some minor concerns on its profitability. TLF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

TLF had positive earnings in the past year.
In the past year TLF has reported a negative cash flow from operations.
Of the past 5 years TLF 4 years were profitable.
Of the past 5 years TLF 4 years had a positive operating cash flow.
TLF Yearly Net Income VS EBIT VS OCF VS FCFTLF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M

1.2 Ratios

TLF has a Return On Assets of 16.56%. This is amongst the best in the industry. TLF outperforms 94.21% of its industry peers.
With an excellent Return On Equity value of 22.15%, TLF belongs to the best of the industry, outperforming 80.99% of the companies in the same industry.
TLF's Return On Invested Capital of 0.30% is on the low side compared to the rest of the industry. TLF is outperformed by 61.16% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TLF is significantly below the industry average of 12.16%.
Industry RankSector Rank
ROA 16.56%
ROE 22.15%
ROIC 0.3%
ROA(3y)2.71%
ROA(5y)0.7%
ROE(3y)3.51%
ROE(5y)0.75%
ROIC(3y)2.72%
ROIC(5y)N/A
TLF Yearly ROA, ROE, ROICTLF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

TLF's Profit Margin of 16.98% is amongst the best of the industry. TLF outperforms 98.35% of its industry peers.
TLF's Profit Margin has declined in the last couple of years.
The Operating Margin of TLF (0.33%) is worse than 60.33% of its industry peers.
TLF's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 56.48%, TLF belongs to the best of the industry, outperforming 85.95% of the companies in the same industry.
TLF's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 0.33%
PM (TTM) 16.98%
GM 56.48%
OM growth 3Y-32.81%
OM growth 5YN/A
PM growth 3Y-12.03%
PM growth 5YN/A
GM growth 3Y-0.39%
GM growth 5Y0.07%
TLF Yearly Profit, Operating, Gross MarginsTLF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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8

2. Health

2.1 Basic Checks

TLF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for TLF has been increased compared to 1 year ago.
TLF has less shares outstanding than it did 5 years ago.
TLF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TLF Yearly Shares OutstandingTLF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
TLF Yearly Total Debt VS Total AssetsTLF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

2.2 Solvency

An Altman-Z score of 3.62 indicates that TLF is not in any danger for bankruptcy at the moment.
TLF has a Altman-Z score of 3.62. This is in the better half of the industry: TLF outperforms 79.34% of its industry peers.
There is no outstanding debt for TLF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 3.62
ROIC/WACC0.03
WACC9.61%
TLF Yearly LT Debt VS Equity VS FCFTLF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

2.3 Liquidity

TLF has a Current Ratio of 4.89. This indicates that TLF is financially healthy and has no problem in meeting its short term obligations.
TLF has a better Current ratio (4.89) than 99.17% of its industry peers.
A Quick Ratio of 1.64 indicates that TLF should not have too much problems paying its short term obligations.
With an excellent Quick ratio value of 1.64, TLF belongs to the best of the industry, outperforming 87.60% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.89
Quick Ratio 1.64
TLF Yearly Current Assets VS Current LiabilitesTLF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 283.09% over the past year.
TLF shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -16.19% yearly.
TLF shows a decrease in Revenue. In the last year, the revenue decreased by -0.41%.
Measured over the past years, TLF shows a decrease in Revenue. The Revenue has been decreasing by -0.14% on average per year.
EPS 1Y (TTM)283.09%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%-296.64%
Revenue 1Y (TTM)-0.41%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%2.82%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
TLF Yearly Revenue VS EstimatesTLF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
TLF Yearly EPS VS EstimatesTLF Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 0.05 0.1 0.15 0.2 0.25

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.11, which indicates a rather cheap valuation of TLF.
Based on the Price/Earnings ratio, TLF is valued cheaper than 98.35% of the companies in the same industry.
TLF is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.11
Fwd PE N/A
TLF Price Earnings VS Forward Price EarningsTLF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

TLF's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TLF is cheaper than 75.21% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 7.31
TLF Per share dataTLF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

TLF has a Yearly Dividend Yield of 48.70%, which is a nice return.
TLF's Dividend Yield is rather good when compared to the industry average which is at 5.22. TLF pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, TLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 48.7%

5.2 History

TLF is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
TLF Yearly Dividends per shareTLF Yearly Dividends per shareYearly Dividends per share 2025 0.5 1

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
TLF Yearly Income VS Free CF VS DividendTLF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M

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TANDY LEATHER FACTORY INC

NASDAQ:TLF (9/18/2025, 8:27:57 PM)

3.1

+0.01 (+0.32%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)08-11 2025-08-11
Earnings (Next)11-10 2025-11-10
Inst Owners57.22%
Inst Owner Change-3.46%
Ins Owners0.43%
Ins Owner Change0%
Market Cap25.02M
Analysts80
Price TargetN/A
Short Float %0.15%
Short Ratio0.69
Dividend
Industry RankSector Rank
Dividend Yield 48.7%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-19 2025-02-19 (1.5)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.11
Fwd PE N/A
P/S 0.34
P/FCF N/A
P/OCF N/A
P/B 0.44
P/tB 0.44
EV/EBITDA 7.31
EPS(TTM)1.47
EY47.42%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.13
FCFYN/A
OCF(TTM)-0.36
OCFYN/A
SpS9.25
BVpS7.09
TBVpS7.09
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 16.56%
ROE 22.15%
ROCE 0.37%
ROIC 0.3%
ROICexc 0.4%
ROICexgc 0.4%
OM 0.33%
PM (TTM) 16.98%
GM 56.48%
FCFM N/A
ROA(3y)2.71%
ROA(5y)0.7%
ROE(3y)3.51%
ROE(5y)0.75%
ROIC(3y)2.72%
ROIC(5y)N/A
ROICexc(3y)3.32%
ROICexc(5y)N/A
ROICexgc(3y)3.32%
ROICexgc(5y)N/A
ROCE(3y)3.42%
ROCE(5y)N/A
ROICexcg growth 3Y-35.57%
ROICexcg growth 5YN/A
ROICexc growth 3Y-35.57%
ROICexc growth 5YN/A
OM growth 3Y-32.81%
OM growth 5YN/A
PM growth 3Y-12.03%
PM growth 5YN/A
GM growth 3Y-0.39%
GM growth 5Y0.07%
F-Score3
Asset Turnover0.98
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr 666.52%
Cap/Sales 8.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.89
Quick Ratio 1.64
Altman-Z 3.62
F-Score3
WACC9.61%
ROIC/WACC0.03
Cap/Depr(3y)117.84%
Cap/Depr(5y)114.41%
Cap/Sales(3y)1.85%
Cap/Sales(5y)1.76%
Profit Quality(3y)111.94%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)283.09%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%-296.64%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.41%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%2.82%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-92.72%
EBIT growth 3Y-35.12%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-284.49%
FCF growth 3Y-16.83%
FCF growth 5Y-31.26%
OCF growth 1Y-154.75%
OCF growth 3Y6.93%
OCF growth 5Y-15.36%