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Timbercreek Financial Corp. (TF.TO)
CAD6.41
+0.05 (+0.79%)
CA TSX Financial Services Financial - Credit Services
Address
25 Price Street M4W 1Z1
Toronto, ON, CA
Toronto, ON, CA
CEO
Robert Blair Tamblyn
Website
timbercreekfinancial.com
IPO
2016-07-05
ISIN CA88709B1040
Also trades on
Other OTC · TBCRF (USD)
Toronto Stock Exchange · TF.TO (CAD)
Description
Timbercreek Financial Corp. provides shorter-duration structured financing solutions to commercial real estate investors in Canada. The company focuses on lending against income-producing real estate properties, including multi-residential, retail, and office properties for urban markets. Timbercreek Financial Corp. was founded in 2016 and is headquartered in Toronto, Canada.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
CAD6.41
+0.05 (+0.79%)
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Volume Profile
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Liquidity & share structure
Average Volume
197.9K
Beta
0.91
Float Shares
81.94M
Free Float %
99.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.51% | -1.80% | -3.69% | -7.51% | -4.11% | -4.53% | -9.05% | -14.30% | -30.16% | -21.51% | -21.51% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
6.41
DCF (Unlevered)
1.53
-76.2%
DCF (Levered)
2.27
-64.6%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
25% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.32
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%-8.7% Q1'26: -3.9% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-25.0% Q1'26: -13.3% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+24.0% Q1'26: +18.1% (vs Q1'25)
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EBIT margin Financial - Credit Services: +28.7%+44.5% ★ Q1'26: +47.2% (vs Q1'25)
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ROIC Financial - Credit Services: +5.0%+3.4% Q1'26: +3.6% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%-0.2% ★ Q1'26: -14.9% (vs Q1'25)
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Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×19.91× Q1'26: 19.10× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 2 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
37.04M
est: 37.77M (-1.9%)
|
49.29M
est: 43.48M (+13.4%)
|
83.00M
est: 71.33M (+16.4%)
|
116.10M
est: 89.40M (+29.9%)
|
126.79M
est: 95.62M (+32.6%)
|
126.30M
est: 100.53M (+25.6%)
|
125.70M
est: 96.37M (+30.4%)
|
116.57M
est: 92.27M (+26.3%)
|
148.64M
est: 110.70M (+34.3%)
|
180.97M
est: 86.86M (+108.3%)
|
161.40M
est: 103.79M (+55.5%)
|
147.44M
est: 104.82M (+40.7%)
|
105.59M
104.10M – 108.25M
+0.7% YoY
|
110.45M
102.28M – 118.61M
+4.6% YoY
|
| EBITDA |
27.18M
est: 14.63M (+85.7%)
|
30.59M
est: 16.37M (+86.8%)
|
49.96M
est: 38.66M (+29.2%)
|
62.18M
est: 43.64M (+42.5%)
|
63.70M
est: 31.06M (+105.0%)
|
63.54M
est: 25.29M (+151.2%)
|
40.63M
est: 22.39M (+81.5%)
|
48.05M
est: 23.07M (+108.3%)
|
64.92M
est: 22.44M (+189.3%)
|
75.42M
est: 35.77M (+110.8%)
|
56.19M
est: 42.74M (+31.5%)
|
65.66M
est: 43.17M (+52.1%)
|
43.48M
42.87M – 44.58M
+0.7% YoY
|
45.48M
42.12M – 48.85M
+4.6% YoY
|
| EBIT |
27.18M
est: 14.63M (+85.7%)
|
30.59M
est: 16.51M (+85.3%)
|
49.96M
est: 54.36M (-8.1%)
|
62.18M
est: 72.04M (-13.7%)
|
63.70M
est: 80.65M (-21.0%)
|
63.54M
est: 85.67M (-25.8%)
|
40.63M
est: 79.13M (-48.7%)
|
48.05M
est: 81.53M (-41.1%)
|
64.92M
est: 79.32M (-18.2%)
|
75.42M
est: 35.77M (+110.8%)
|
56.19M
est: 42.74M (+31.5%)
|
65.66M
est: 43.17M (+52.1%)
|
43.48M
42.87M – 44.58M
+0.7% YoY
|
45.48M
42.12M – 48.85M
+4.6% YoY
|
| Net Income |
24.92M
est: 57.28M (-56.5%)
|
28.02M
est: 59.85M (-53.2%)
|
46.00M
est: 46.51M (-1.1%)
|
52.20M
est: 57.84M (-9.7%)
|
53.07M
est: 55.86M (-5.0%)
|
54.74M
est: 56.12M (-2.5%)
|
32.00M
est: 50.95M (-37.2%)
|
41.31M
est: 52.49M (-21.3%)
|
55.90M
est: 63.33M (-11.7%)
|
66.42M
est: 61.16M (+8.6%)
|
46.16M
est: 56.56M (-18.4%)
|
34.45M
est: 51.53M (-33.1%)
|
56.21M
49.39M – 63.02M
+9.1% YoY
|
59.06M
52.31M – 65.81M
+5.1% YoY
|
| SGA |
811.7K
est: 613.2K (+32.4%)
|
967.0K
est: 692.0K (+39.7%)
|
758.0K
est: 15.52M (-95.1%)
|
1.73M
est: 12.44M (-86.1%)
|
1.73M
est: 13.24M (-87.0%)
|
1.69M
est: 14.39M (-88.3%)
|
1.81M
est: 13.08M (-86.2%)
|
1.85M
est: 13.48M (-86.3%)
|
2.11M
est: 13.11M (-83.9%)
|
2.91M
est: 1.16M (+151.0%)
|
3.34M
est: 1.39M (+140.8%)
|
—
est: 1.40M (-100.0%)
|
1.41M
1.39M – 1.45M
+0.7% YoY
|
1.48M
1.37M – 1.59M
+4.6% YoY
|
| EPS |
0.63
est: 0.69 (-8.7%)
|
0.69
est: 0.73 (-5.6%)
|
0.80
est: 0.68 (+18.2%)
|
0.70
est: 0.72 (-2.8%)
|
0.60
est: 0.66 (-9.4%)
|
0.29
est: 0.68 (-57.1%)
|
0.27
est: 0.65 (-58.3%)
|
0.40
est: 0.67 (-40.1%)
|
0.30
est: 0.72 (-58.2%)
|
0.80
est: 0.74 (+8.7%)
|
0.56
est: 0.68 (-17.7%)
|
0.42
est: 0.62 (-32.3%)
|
0.65
0.60 – 0.76
+5.6% YoY
|
0.69
0.63 – 0.79
+5.8% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | B- | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-06 | B- | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-05 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-04 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-01 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-27 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 2/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 3/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 5/5 | 1/5 | 2/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
Owner's Earnings history not available.
Owner alignment
Owner's Earnings TTM
—
OE per share TTM
—
Owner's Yield
—
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
—
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 5 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares S&P/TSX SmallCap Index ETF XCS.TO | 0.18% | 305.9K | 0.60% |
| 2 | State Street SPDR S&P International Small Cap ETF GWX | 0.02% | 137.5K | 0.40% |
| 3 | TD Canadian Equity Index ETF TTP.TO | 0.01% | 445.1K | 0.05% |
| 4 | Avantis International Small Cap Equity ETF AVDS | 0.01% | 30.8K | 0.30% |
| 5 | Avantis International Equity ETF AVDE | 0.00% | 189.9K | 0.23% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
Shares Outstanding
82.75M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Geoff McTait | Head of Canadian Originations & Global Syndications | 448.8K | male |
| Scott Rowland | Chief Investment Officer & Non-Independent Director | 410.7K | male |
| Tracy Johnston | Chief Financial Officer | 284.8K | female |
| Ellen Tannous | Vice President & Corporate Secretary | — | female |
| Katrina Gorzheltson | Vice President of Investor Relations | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for TF.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
