TLF Fundamental Analysis - TANDY LEATHER FACTORY INC

Fundamental Rating

Taking everything into account, TLF scores 5 out of 10 in our fundamental rating. TLF was compared to 122 industry peers in the Specialty Retail industry. While TLF has a great health rating, its profitability is only average at the moment. TLF does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year TLF was profitable.

TLF had a positive operating cash flow in the past year.

TLF had positive earnings in 4 of the past 5 years.

TLF had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

TLF has a Return On Assets of 16.66%. This is amongst the best in the industry. TLF outperforms 93.44% of its industry peers.

The Return On Equity of TLF (22.81%) is better than 81.15% of its industry peers.

TLF has a worse Return On Invested Capital (0.30%) than 63.11% of its industry peers.

TLF had an Average Return On Invested Capital over the past 3 years of 2.72%. This is significantly below the industry average of 12.03%.

		Industry Rank	Sector Rank
ROA	16.66%
ROE	22.81%
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

1.3 Margins

Looking at the Profit Margin, with a value of 17.50%, TLF belongs to the top of the industry, outperforming 98.36% of the companies in the same industry.

In the last couple of years the Profit Margin of TLF has declined.

TLF has a Operating Margin of 0.33%. This is in the lower half of the industry: TLF underperforms 62.30% of its industry peers.

In the last couple of years the Operating Margin of TLF has declined.

The Gross Margin of TLF (56.10%) is better than 84.43% of its industry peers.

In the last couple of years the Gross Margin of TLF has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	0.33%
PM (TTM)	17.5%
GM	56.1%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TLF is destroying value.

TLF has more shares outstanding than it did 1 year ago.

The number of shares outstanding for TLF has been reduced compared to 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.

2.2 Solvency

TLF has an Altman-Z score of 3.67. This indicates that TLF is financially healthy and has little risk of bankruptcy at the moment.

TLF has a Altman-Z score of 3.67. This is amongst the best in the industry. TLF outperforms 80.33% 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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	3.67

ROIC/WACC0.03

WACC9.62%

2.3 Liquidity

A Current Ratio of 4.51 indicates that TLF has no problem at all paying its short term obligations.

The Current ratio of TLF (4.51) is better than 96.72% of its industry peers.

A Quick Ratio of 1.90 indicates that TLF should not have too much problems paying its short term obligations.

Looking at the Quick ratio, with a value of 1.90, TLF belongs to the top of the industry, outperforming 89.34% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	4.51
Quick Ratio	1.9

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 248.60% over the past year.

The earnings per share for TLF have been decreasing by -16.19% on average. This is quite bad

The Revenue has decreased by -1.32% in the past year.

TLF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.14% yearly.

EPS 1Y (TTM)248.6%

EPS 3Y-16.19%

EPS 5YN/A

EPS Q2Q%2286.41%

Revenue 1Y (TTM)-1.32%

Revenue growth 3Y-3.45%

Revenue growth 5Y-0.14%

Sales Q2Q%-1.24%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 2.31, the valuation of TLF can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of TLF indicates a rather cheap valuation: TLF is cheaper than 99.18% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.35. TLF is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	2.31
Fwd PE	N/A

4.2 Price Multiples

TLF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. TLF is cheaper than 86.89% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	4.62

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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5. Dividend

5.1 Amount

TLF has a Yearly Dividend Yield of 45.52%, which is a nice return.

TLF's Dividend Yield is rather good when compared to the industry average which is at 5.06. TLF pays more dividend than 100.00% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.36, TLF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	45.52%

5.2 History

TLF does not have a reliable dividend history as it only pays dividend since a couple or years.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DPN/A

EPS Next 2YN/A

EPS Next 3YN/A

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TANDY LEATHER FACTORY INC

NASDAQ:TLF (7/25/2025, 10:41:05 AM)

3.49

+0.02 (+0.58%)

Chartmill FA Rating

GICS SectorConsumer Discretionary

GICS IndustryGroupConsumer Discretionary Distribution & Retail

GICS IndustrySpecialty Retail

Earnings (Last)05-12 2025-05-12

Earnings (Next)08-05 2025-08-05

Inst Owners57.21%

Inst Owner Change0%

Ins Owners0.43%

Ins Owner Change0%

Market Cap29.70M

Analysts80

Price TargetN/A

Short Float %0.13%

Short Ratio0.6

Dividend

		Industry Rank	Sector Rank
Dividend Yield	45.52%

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 Rank	Sector Rank
PE	2.31
Fwd PE	N/A
P/S	0.4
P/FCF	N/A
P/OCF	10.15
P/B	0.52
P/tB	0.52
EV/EBITDA	4.62

EPS(TTM)1.51

EY43.27%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.02

FCFYN/A

OCF(TTM)0.34

OCFY9.85%

SpS8.71

BVpS6.68

TBVpS6.68

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	16.66%
ROE	22.81%
ROCE	0.37%
ROIC	0.3%
ROICexc	0.46%
ROICexgc	0.46%
OM	0.33%
PM (TTM)	17.5%
GM	56.1%
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-Score4

Asset Turnover0.95

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	0
Cap/Depr	295.97%
Cap/Sales	4.16%
Interest Coverage	250
Cash Conversion	227.88%
Profit Quality	N/A
Current Ratio	4.51
Quick Ratio	1.9
Altman-Z	3.67

F-Score4

WACC9.62%

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)248.6%

EPS 3Y-16.19%

EPS 5YN/A

EPS Q2Q%2286.41%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.32%

Revenue growth 3Y-3.45%

Revenue growth 5Y-0.14%

Sales Q2Q%-1.24%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-94.09%

EBIT growth 3Y-35.12%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-114.64%

FCF growth 3Y-16.83%

FCF growth 5Y-31.26%

OCF growth 1Y75.21%

OCF growth 3Y6.93%

OCF growth 5Y-15.36%

TANDY LEATHER FACTORY INC (TLF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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