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TANDY LEATHER FACTORY INC (TLF) Stock Fundamental Analysis

NASDAQ:TLF - Nasdaq - US87538X1054 - Common Stock - Currency: USD

2.78  +0.01 (+0.36%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TLF. TLF was compared to 121 industry peers in the Specialty Retail industry. TLF is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. TLF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

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

Looking at the Return On Assets, with a value of 1.10%, TLF is in line with its industry, outperforming 53.72% of the companies in the same industry.
TLF has a Return On Equity (1.45%) which is in line with its industry peers.
TLF's Return On Invested Capital of 0.77% is on the low side compared to the rest of the industry. TLF is outperformed by 60.33% 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 13.08%.
Industry RankSector Rank
ROA 1.1%
ROE 1.45%
ROIC 0.77%
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

With a Profit Margin value of 1.11%, TLF perfoms like the industry average, outperforming 53.72% of the companies in the same industry.
In the last couple of years the Profit Margin of TLF has declined.
With a Operating Margin value of 0.84%, TLF perfoms like the industry average, outperforming 42.15% of the companies in the same industry.
TLF's Operating Margin has declined in the last couple of years.
The Gross Margin of TLF (56.20%) is better than 84.30% 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 RankSector Rank
OM 0.84%
PM (TTM) 1.11%
GM 56.2%
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

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

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's Altman-Z score of 3.67 is amongst the best of the industry. TLF outperforms 82.64% of its industry peers.
TLF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.67
ROIC/WACC0.08
WACC9.3%
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 5.11. This indicates that TLF is financially healthy and has no problem in meeting its short term obligations.
TLF's Current ratio of 5.11 is amongst the best of the industry. TLF outperforms 98.35% of its industry peers.
A Quick Ratio of 1.52 indicates that TLF should not have too much problems paying its short term obligations.
TLF has a better Quick ratio (1.52) than 85.12% of its industry peers.
Industry RankSector Rank
Current Ratio 5.11
Quick Ratio 1.52
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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0

3. Growth

3.1 Past

The earnings per share for TLF have decreased strongly by -79.43% in the last year.
Measured over the past years, TLF shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -16.19% on average per year.
Looking at the last year, TLF shows a decrease in Revenue. The Revenue has decreased by -2.41% in the last year.
The Revenue has been decreasing by -0.14% on average over the past years.
EPS 1Y (TTM)-79.43%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%-84.96%
Revenue 1Y (TTM)-2.41%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%-1.76%

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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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 30.89 indicates a quite expensive valuation of TLF.
TLF's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of TLF to the average of the S&P500 Index (28.10), we can say TLF is valued inline with the index average.
Industry RankSector Rank
PE 30.89
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

Based on the Enterprise Value to EBITDA ratio, TLF is valued a bit cheaper than 76.03% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TLF is valued a bit cheaper than 72.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.1
EV/EBITDA 5.67
TLF Per share dataTLF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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

With a Yearly Dividend Yield of 52.63%, TLF is a good candidate for dividend investing.
In the last 3 months the price of TLF has falen by -45.62%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 5.47, TLF pays a better dividend. On top of this TLF pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, TLF pays a better dividend.
Industry RankSector Rank
Dividend Yield 52.63%

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

DP0%
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 (5/6/2025, 1:26:48 PM)

2.78

+0.01 (+0.36%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)02-26 2025-02-26
Earnings (Next)05-08 2025-05-08
Inst Owners56.86%
Inst Owner Change0.28%
Ins Owners0.31%
Ins Owner Change0%
Market Cap23.63M
Analysts80
Price TargetN/A
Short Float %0.14%
Short Ratio0.32
Dividend
Industry RankSector Rank
Dividend Yield 52.63%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
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 30.89
Fwd PE N/A
P/S 0.32
P/FCF 15.1
P/OCF 5.2
P/B 0.41
P/tB 0.41
EV/EBITDA 5.67
EPS(TTM)0.09
EY3.24%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.18
FCFY6.62%
OCF(TTM)0.54
OCFY19.25%
SpS8.75
BVpS6.72
TBVpS6.72
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 1.45%
ROCE 0.97%
ROIC 0.77%
ROICexc 0.96%
ROICexgc 0.96%
OM 0.84%
PM (TTM) 1.11%
GM 56.2%
FCFM 2.1%
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 Turnover0.99
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 252.16%
Cap/Sales 4.01%
Interest Coverage 250
Cash Conversion 251.13%
Profit Quality 189.47%
Current Ratio 5.11
Quick Ratio 1.52
Altman-Z 3.67
F-Score4
WACC9.3%
ROIC/WACC0.08
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)-79.43%
EPS 3Y-16.19%
EPS 5YN/A
EPS Q2Q%-84.96%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.41%
Revenue growth 3Y-3.45%
Revenue growth 5Y-0.14%
Sales Q2Q%-1.76%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-85.76%
EBIT growth 3Y-35.12%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-60.49%
FCF growth 3Y-16.83%
FCF growth 5Y-31.26%
OCF growth 1Y0.24%
OCF growth 3Y6.93%
OCF growth 5Y-15.36%