Timbercreek Financial Corp.

OTCPK:TBCR.F Stock Report

Market Cap: US$460.9m

Timbercreek Financial Valuation

Is TBCR.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of TBCR.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: TBCR.F ($5.53) is trading above our estimate of fair value ($5.25)

Significantly Below Fair Value: TBCR.F is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for TBCR.F?

Key metric: As TBCR.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for TBCR.F. This is calculated by dividing TBCR.F's market cap by their current earnings.
What is TBCR.F's PE Ratio?
PE Ratio11x
EarningsCA$58.76m
Market CapCA$644.15m

Price to Earnings Ratio vs Peers

How does TBCR.F's PE Ratio compare to its peers?

The above table shows the PE ratio for TBCR.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.3x
VEL Velocity Financial
10.5x6.4%US$674.5m
ONIT Onity Group
16.8x31.4%US$243.1m
GHI Greystone Housing Impact Investors
19.8x108.1%US$279.7m
SNFC.A Security National Financial
10.1xn/aUS$298.2m
TBCR.F Timbercreek Financial
11x1.5%US$644.2m

Price-To-Earnings vs Peers: TBCR.F is good value based on its Price-To-Earnings Ratio (11x) compared to the peer average (14.3x).

Price to Earnings Ratio vs Industry

How does TBCR.F's PE Ratio compare vs other companies in the US Diversified Financial Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FOA Finance of America Companies
1.3x-143.9%US$510.32m
PMIR PMI Group
1.2xn/aUS$6.80m
ACGX Alliance Creative Group
2.1xn/aUS$467.92k
No more companies available in this PE range
TBCR.F 11.0xIndustry Avg. 18.6xNo. of Companies10PE01224364860+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: TBCR.F is good value based on its Price-To-Earnings Ratio (11x) compared to the US Diversified Financial industry average (18.6x).

Price to Earnings Ratio vs Fair Ratio

What is TBCR.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

TBCR.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate TBCR.F's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst TBCR.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$5.53
US$5.95
+7.5%
2.6%US$6.09US$5.73n/a3
Nov ’25US$5.80
US$5.95
+2.5%
2.6%US$6.09US$5.73n/a3
Oct ’25US$6.00
US$6.02
+0.3%
2.3%US$6.22US$5.92n/a3
Sep ’25n/a
US$6.19
0%
9.1%US$7.14US$5.77n/a4
Aug ’25US$5.90
US$6.09
+3.2%
10.6%US$7.14US$5.41n/a4
Jul ’25n/a
US$6.07
0%
11.8%US$7.22US$5.47n/a4
Jun ’25n/a
US$6.07
0%
11.8%US$7.22US$5.47n/a4
May ’25US$5.60
US$6.39
+14.1%
11.4%US$7.32US$5.55n/a3
Apr ’25US$5.61
US$6.39
+13.8%
11.4%US$7.32US$5.55n/a3
Mar ’25US$5.41
US$6.30
+16.5%
10.4%US$7.12US$5.53n/a3
Feb ’25n/a
US$5.69
0%
15.1%US$7.17US$5.19n/a4
Jan ’25n/a
US$5.59
0%
15.1%US$7.05US$5.10n/a4
Dec ’24n/a
US$5.59
0%
15.1%US$7.05US$5.10n/a4
Nov ’24US$4.25
US$5.88
+38.2%
14.1%US$7.24US$5.06US$5.804
Oct ’24US$5.06
US$6.55
+29.4%
9.7%US$7.42US$5.93US$6.003
Sep ’24n/a
US$6.33
0%
11.0%US$7.45US$5.58n/a4
Aug ’24US$5.72
US$6.43
+12.4%
11.2%US$7.59US$5.67US$5.904
Jul ’24n/a
US$6.33
0%
11.2%US$7.47US$5.58n/a4
Jun ’24n/a
US$6.33
0%
11.2%US$7.47US$5.58n/a4
May ’24US$5.80
US$6.28
+8.3%
11.4%US$7.41US$5.42US$5.604
Apr ’24n/a
US$6.28
0%
11.4%US$7.41US$5.42US$5.614
Mar ’24US$6.08
US$6.36
+4.7%
10.2%US$7.35US$5.54US$5.414
Feb ’24n/a
US$6.42
0%
10.4%US$7.48US$5.63n/a4
Jan ’24US$5.24
US$6.49
+23.7%
9.3%US$7.35US$5.72n/a5
Dec ’23n/a
US$6.61
0%
7.9%US$7.40US$6.13n/a5
Nov ’23n/a
US$6.69
0%
7.8%US$7.52US$6.06US$4.255

Analyst Forecast: Target price is less than 20% higher than the current share price.

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