The earnings call reflected a balanced view with strong portfolio growth and successful risk management countered by a decrease in net investment income and challenges from macroeconomic factors like tariffs. The company is positioned for future growth, but faces ongoing challenges in resolving certain loans and maintaining income stability.

Company Guidance

During Timbercreek Financial's second quarter earnings call for fiscal year 2025, the company highlighted several key performance metrics and strategic initiatives. The portfolio expanded significantly from Q1, leading to a net investment income of $25.2 million and distributable income of $0.18 per share. Timbercreek resolved approximately $83 million in Stage 2 and Stage 3 loans and is nearing the completion of a credit facility renewal with an upsize and improved margin terms. The weighted average loan-to-value (LTV) ratio remained stable at 66%, and the portfolio's weighted average interest rate (WAIR) decreased to 8.6%, reflecting the Bank of Canada's rate cuts. The credit facility balance increased slightly to $345 million, with a utilization rate of 87%. The company's dividend yield was approximately 9%, and they aim to grow the portfolio to $1.3 billion by the end of 2025. Despite macroeconomic uncertainties, particularly tariff-related challenges, Timbercreek remains focused on multifamily residential real estate, which comprises 55% of the portfolio, and aims to deploy capital into high-quality loans. The call underscored the company's strong client relationships and strategic positioning in the market, which support its growth objectives.

Portfolio Expansion and Growth

The portfolio expanded by 11% or $111 million higher than Q2 of last year, with a balance over $1.1 billion, marking a $35 million increase from Q1.

Resolution of Stage 2 and 3 Loans

Resolved close to $83 million in Stage 2 and 3 loans since the last earnings call, demonstrating effective management of riskier loan segments.

Stable Dividend and Yield

The company maintained a stable monthly dividend yielding close to 9%, with a book value roughly 18% above the weighted average trading price in Q2.

Credit Facility Renewal

The credit facility renewal is nearly complete, featuring a substantial upsize and improved margin terms to support growth plans.

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
Nov 06, 2025	2025 (Q3)	0.17 / -	0.17	―	―	―
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)	―	―
Aug 02, 2023	2023 (Q2)	0.20 / 0.20	0.18	11.11% (+0.02)	―	―

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
Jul 30, 2025	C$7.60	C$7.67	+0.92%
May 05, 2025	C$6.67	C$6.81	+2.10%
Feb 26, 2025	C$6.41	C$6.52	+1.72%
Oct 30, 2024	C$7.56	C$7.00	-7.41%

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 Nov 06, 2025, TBA (Confirmed).

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

Timbercreek Fin Corp (TSE:TF) earnings time is at Nov 06, 2025, 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 (Q3) is 0.17.

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