The earnings call presented a mixed picture, with notable achievements in portfolio growth and interest rate management, but also challenges with stage loans, transaction delays, and regional market difficulties. The company remains optimistic about future growth and stability.

Company Guidance

In the third quarter earnings call for Timbercreek Financial, several key metrics and guidance were highlighted. The company's net investment income remained steady at $25.4 million, while distributable income (DI) was slightly down at $0.17 per share compared to the previous quarter. The portfolio's weighted average loan-to-value (LTV) increased to 67.9%, with first mortgages making up 94% of the portfolio. The weighted average interest rate (WAIR) decreased to 8.3% in Q3 from 8.6% in Q2, reflecting rate cuts by the Bank of Canada. Timbercreek reported $200 million in funded and committed deals for Q4, anticipating portfolio growth by year-end. The company is also focused on resolving stage loans, with a revaluation leading to a $5.9 million expected credit loss (ECL) increase in the quarter. Despite mixed quarterly performance, Timbercreek remains optimistic about future growth, driven by improved market conditions, anticipated interest rate reductions, and a robust transaction pipeline, positioning the company for higher revenue and sustained strong activity in the commercial real estate sector.

Portfolio Growth

The portfolio grew by approximately $50 million year-to-date, with expectations of further growth by year-end. Funded and committed deals exceeded $200 million so far in Q4.

Interest Rate Environment

The weighted average interest rate (WAIR) decreased to 8.3% in Q3 from 8.6% in Q2, reflecting the Bank of Canada's policy rate cuts. This is bringing the WAIR closer to a long-term average of roughly 8%.

Credit Facility Upsize

The credit facility was upsized, providing ample capacity to deploy new capital against the pipeline, with a utilization rate of 75% at the end of Q3.

Stable Dividends

The company is delivering a stable monthly dividend, currently yielding over 9.5%, and expects to maintain a payout ratio in the mid-90s.

Timbercreek Financial (TSE:TF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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TSE:TF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Mar 11, 2026	2025 (Q4)	0.17 / -	0.03	―	―	―
Oct 29, 2025	2025 (Q3)	0.17 / 0.10	0.17	-41.18% (-0.07)	―	―
Jul 30, 2025	2025 (Q2)	0.17 / 0.15	0.19	-21.05% (-0.04)	―	―
May 05, 2025	2025 (Q1)	0.17 / 0.18	0.17	5.88% (<+0.01)	―	―
Feb 26, 2025	2024 (Q4)	0.16 / 0.03	0.18	-83.33% (-0.15)	―	―
Oct 30, 2024	2024 (Q3)	0.17 / 0.17	0.2	-15.00% (-0.03)	―	―
Jul 31, 2024	2024 (Q2)	0.19 / 0.19	0.2	-5.00% (-0.01)	―	―
May 06, 2024	2024 (Q1)	0.19 / 0.17	0.21	-19.05% (-0.04)	―	―
Feb 26, 2024	2023 (Q4)	0.18 / 0.18	0.17	5.88% (<+0.01)	―	―
Nov 01, 2023	2023 (Q3)	0.19 / 0.20	0.17	17.65% (+0.03)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

TSE:TF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Oct 29, 2025	C$7.06	C$6.73	-4.67%
Jul 30, 2025	C$7.48	C$7.55	+0.94%
May 05, 2025	C$6.57	C$6.70	+1.98%
Feb 26, 2025	C$6.31	C$6.41	+1.58%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Timbercreek Fin Corp (TSE:TF) report earnings?

Timbercreek Fin Corp (TSE:TF) is schdueled to report earning on Mar 11, 2026, TBA (Confirmed).

What is Timbercreek Fin Corp (TSE:TF) earnings time?

Timbercreek Fin Corp (TSE:TF) earnings time is at Mar 11, 2026, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is TSE:TF EPS forecast?

TSE:TF EPS forecast for the fiscal quarter 2025 (Q4) is 0.17.

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