Timbercreek Financial Corp.
Timbercreek Financial Corp. Fundamental Analysis
Timbercreek Financial Corp. (TBCRF) shows moderate financial fundamentals with a PE ratio of 11.74, profit margin of 23.37%, and ROE of 5.08%. The company generates $0.2B in annual revenue with weak year-over-year growth of -10.81%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 11.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze TBCRF's fundamental strength across five key dimensions:
Efficiency Score
WeakTBCRF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentTBCRF trades at attractive valuation levels.
Growth Score
WeakTBCRF faces weak or negative growth trends.
Financial Health Score
WeakTBCRF carries high financial risk with limited liquidity.
Profitability Score
ModerateTBCRF maintains healthy but balanced margins.
Key Financial Metrics
Is TBCRF Expensive or Cheap?
P/E Ratio
TBCRF trades at 11.74 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, TBCRF's PEG of -3.59 indicates potential undervaluation.
Price to Book
The market values Timbercreek Financial Corp. at 0.61 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -11.33 times EBITDA. This is generally considered low.
How Well Does TBCRF Make Money?
Net Profit Margin
For every $100 in sales, Timbercreek Financial Corp. keeps $23.37 as profit after all expenses.
Operating Margin
Core operations generate 45.67 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $5.08 in profit for every $100 of shareholder equity.
ROA
Timbercreek Financial Corp. generates $1.74 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Timbercreek Financial Corp. produces operating cash flow of $27.55M, showing steady but balanced cash generation.
Free Cash Flow
Timbercreek Financial Corp. produces free cash flow of $20.10M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.24 in free cash annually.
FCF Yield
TBCRF converts 2.64% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.74
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-3.59
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.61
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.77
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.97
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.25
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How TBCRF Stacks Against Its Sector Peers
| Metric | TBCRF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.74 | 18.50 | Better (Cheaper) |
| ROE | 5.08% | 809.00% | Weak |
| Net Margin | 23.37% | 2211.00% | Weak |
| Debt/Equity | 1.97 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.25 | 692.04 | Weak Liquidity |
| ROA | 1.74% | -24328.00% (disorted) | Weak |
TBCRF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Timbercreek Financial Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
26.34%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
91.10%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-167.10%
Industry Style: Value, Dividend, Cyclical
Declining