Timbercreek Financial (TF) AI Stock Analysis

• Market Cap: C$579.41M
• Dividend Yield: 9.93%
• Average Volume (3M): 201.81K
• Price to Earnings (P/E): 12.6
• Beta (1Y): 0.93
• Revenue Growth: -10.87%
• EPS Growth: -30.08%
• Country: CA
• Employees: N/A
• Sector: Financial
• Sector Strength: 85
• Industry: Financial - Mortgages
• EPS (TTM): 0.56
• Shares Outstanding: 83,009,514
• 10 Day Avg. Volume: 123,097
• 30 Day Avg. Volume: 201,815
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$7.67
• Price Target Upside: 9.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

Timbercreek Financial's overall stock score reflects a balance between strong valuation and positive corporate events, counterbalanced by financial performance challenges, particularly in revenue growth and cash flow. The technical analysis suggests potential for recovery with short-term momentum, while the company's attractive dividend yield and strategic management actions provide a strong foundation for investor confidence.

Timbercreek Financial Business Overview & Revenue Model

Company Description

Timbercreek Financial (TF) is a leading non-bank commercial real estate lender based in Canada. The company specializes in providing structured short-term mortgage financing solutions to commercial real estate investors. Timbercreek Financial operates primarily in the real estate finance sector, focusing on delivering customized lending options to meet the diverse needs of its clients. The company's core services include providing first mortgages, subordinate financings, and bridge loans to support property acquisitions, development projects, and refinancing needs.

How the Company Makes Money

Timbercreek Financial makes money primarily through the interest income generated from its loan portfolio. The company offers various lending products, including first mortgages, subordinate financings, and bridge loans, typically with short to mid-term maturities. Revenue is derived from the interest payments made by borrowers on these loans. Additionally, Timbercreek Financial may earn fees from loan origination and other related services. The company's strategic focus on commercial real estate lending allows it to leverage its expertise and relationships in the industry, contributing to its earnings. By maintaining a diversified portfolio across different property types and geographical locations, Timbercreek Financial seeks to optimize its risk-adjusted returns and ensure a steady income stream.

Timbercreek Financial Financial Statement Overview

Summary

Timbercreek Financial's financial performance is mixed. The income statement reflects strong operational margins but challenges in revenue growth and declining net income. The balance sheet shows moderate leverage but declining returns on equity. Negative free cash flow highlights cash management concerns.

Income Statement

Timbercreek Financial's income statement shows a solid gross profit margin and a decent net profit margin in the TTM (Trailing-Twelve-Months). However, there is a noticeable drop in total revenue compared to the previous year, indicating a revenue growth challenge. Despite this, the company maintains a healthy EBIT margin, reflecting operational efficiency. Net income has decreased compared to the previous year, impacting the overall profitability.

Balance Sheet

The balance sheet highlights a moderate debt-to-equity ratio, indicating a balanced approach to leverage. The equity ratio is stable, suggesting moderate reliance on debt financing. Return on equity has decreased, reflecting a reduction in profitability from equity investments. The overall financial stability is moderate, with room for improving equity returns.

Cash Flow

The cash flow statement reveals significant negative free cash flow in the TTM, contrasting with positive cash flow in previous years. The operating cash flow to net income ratio indicates challenges in converting net income into cash. The company needs to focus on improving cash flow generation to support future growth and stability.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
161.40M	180.97M	148.31M	116.57M	125.70M
	Gross Profit
73.12M	80.64M	65.52M	56.92M	59.25M
	EBIT
77.85M	105.81M	88.15M	60.85M	62.59M
	EBITDA
56.19M	75.42M	64.92M	48.05M	54.45M
	Net Income Common Stockholders
46.16M	66.42M	25.10M	32.49M	22.13M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
13.30M	4.80M	2.83M	6.34M	428.00K
	Total Assets
1.73B	1.79B	1.92B	1.73B	1.71B
	Total Debt
537.27M	402.58M	591.11M	587.86M	580.09M
	Net Debt
523.97M	397.78M	588.28M	581.52M	579.67M
	Total Liabilities
1.05B	1.08B	1.22B	1.05B	1.03B
	Stockholders Equity
686.60M	701.14M	698.54M	684.58M	685.05M
Cash Flow		Free Cash Flow
-69.08M	90.19M	83.17M	81.61M	79.39M
	Operating Cash Flow
-69.08M	90.19M	83.17M	81.61M	79.39M
	Investing Cash Flow
1.66M	203.24M	-44.18M	-21.38M	60.18M
	Financing Cash Flow
75.95M	-291.39M	-42.45M	-54.18M	-148.04M

Timbercreek Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.98
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:TF, the sentiment is Positive. The current price of 6.98 is above the 20-day moving average (MA) of 6.57, above the 50-day MA of 6.56, and below the 200-day MA of 7.08, indicating a neutral trend. The MACD of 0.13 indicates Negative momentum. The RSI at 68.41 is Neutral, neither overbought nor oversold. The STOCH value of 97.26 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:TF.

Timbercreek Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MKP	75 Outperform	C$724.73M	9.04	13.72%	8.46%	26.81%	-6.49%
X	74 Outperform	$14.83B	30.74	11.15%	1.44%	2.56%	35.63%
TF	73 Outperform	C$579.41M	12.55	6.65%	9.93%	-10.87%	-30.08%
AI	68 Neutral	C$517.21M	10.25	9.58%	8.27%	-1.56%	-9.70%
FC	67 Neutral	C$435.31M	11.90	8.57%	7.89%	-4.56%	0.77%
Sector *	63 Neutral	$12.37B	9.56	7.95%	79.17%	12.62%	-5.26%

Timbercreek Financial Corporate Events

Timbercreek Financial Announces April 2025 Dividend and Reinvestment Plan

Timbercreek Financial has declared a monthly cash dividend of $0.0575 per common share, payable on May 15, 2025, to shareholders of record as of April 30, 2025. The company also offers a Dividend Reinvestment Plan, allowing shareholders to reinvest dividends to purchase additional shares at a potential discount, enhancing shareholder value and potentially increasing investment returns.

Spark’s Take on TSE:TF Stock

According to Spark, TipRanks’ AI Analyst, TSE:TF is a Outperform.

Timbercreek Financial’s overall stock score reflects its solid valuation and positive corporate events, which are counterbalanced by financial performance challenges, particularly in revenue growth and cash flow. The technical analysis presents a mixed outlook but suggests potential for recovery. The company’s attractive dividend yield and strategic management actions provide a strong foundation for investor confidence.

To see Spark’s full report on TSE:TF stock, click here.

Timbercreek Financial to Discuss Q1 Results in Upcoming Conference Call

Timbercreek Financial announced it will hold a conference call and live webcast on May 6, 2025, to discuss its first quarter financial results, which will be released the previous day. This call will provide stakeholders with insights into the company’s financial performance and allow analysts to engage in a Q&A session, potentially impacting investor perceptions and market positioning.

Spark’s Take on TSE:TF Stock

According to Spark, TipRanks’ AI Analyst, TSE:TF is a Neutral.

Timbercreek Financial’s overall stock score reflects a balance between operational strengths and challenges. The company’s strong dividend yield and reasonable P/E make it attractive for value investors. However, revenue growth and cash flow issues pose risks. Positive corporate events offer optimism for future performance, but technical indicators suggest caution in the short term.

To see Spark’s full report on TSE:TF stock, click here.

Timbercreek Financial Reports Strong Q4 2024 Results Amid Market Recovery

Timbercreek Financial reported significant growth in its net mortgage investment portfolio, increasing by $143.6 million to $1,089.8 million by the end of Q4 2024, driven by a favorable market environment and reduced interest rates. The company maintained strong distributable income and declared dividends, with a healthy payout ratio and a yield premium over Canadian bonds. Despite challenges in the Calgary office market, Timbercreek Financial continues to stabilize assets and expects robust transaction volumes and income growth in 2025.

Timbercreek Financial Declares February 2025 Dividend and Enhances Shareholder Options

Timbercreek Financial has announced a monthly cash dividend of $0.0575 per common share to be paid on March 14, 2025, to shareholders on record as of February 28, 2025. The company also offers a Dividend Reinvestment Plan allowing shareholders to reinvest dividends into additional shares at potentially discounted rates without incurring extra fees. This announcement reflects Timbercreek Financial’s commitment to providing value to its shareholders and enhancing its market positioning by offering flexible investment options.

Timbercreek Financial Schedules Q4 Results Conference Call

Timbercreek Financial announced a conference call scheduled for February 26, 2025, to discuss its fourth-quarter financial results for the period ending December 31, 2024. The results will be released on February 25, 2025, after market close, and the call will include a Q&A session with analysts. This announcement highlights the company’s commitment to transparency and engagement with stakeholders, potentially impacting investor confidence and market perception.

Timbercreek Financial Resolves Key Loans with Successful Asset Management and Redeployment Plans

Timbercreek Financial announced progress in resolving loans made to Groupe Sélection Inc., following its restructuring under the Companies’ Creditors Arrangement Act. The company, along with partners, has successfully facilitated the sale of a retirement residence and advanced the completion of a residential building, expecting full loan repayment soon, which enables capital redeployment into new core asset loans.