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Timbercreek FinancialTBCRF -0.55%67 Cash Ratio is 0.37 as of Mar. 2026, which is 429% above its 10-year median of 0.07. GuruFocus rates TBCRF with a GF Score™ of 67/100 and a GF Value™ of $4.45 (Fairly Valued). The stock has 12 warning signs investors should review. Among 44 Banks companies, Timbercreek Financial ranks worse than 61.36% on this metric.
Timbercreek Financial has a Cash Ratio of 0.37. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Timbercreek Financial's Cash Ratio or its related term are showing as below:
TBCRF'
s Cash Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.07 Max: 1.39
Current: 0.37
During the past 13 years, Timbercreek Financial's highest Cash Ratio was 1.39. The lowest was 0.01. And the median was 0.07.
TBCRF's Cash Ratio is ranked worse than 61.36% of 44
companies
in the Banks industry
Industry Median: 0.62
vs TBCRF: 0.37
Timbercreek Financial (OTCPK:TBCRF) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, Timbercreek Financial's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Timbercreek Financial Cash Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Timbercreek Financial (TBCRF) has a Cash Ratio of 0.37 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Timbercreek Financial and its competitors. This is 429% above median its historical median of 0.07. Over the past decade, Timbercreek Financial's Cash Ratio has ranged from 0.01 to 1.39. According to the industry distribution chart, Timbercreek Financial ranks #27 out of 44 companies in the Banks industry, placing it in the top 61.4%.
Is Timbercreek Financial's Cash Ratio too high?
Timbercreek Financial's current Cash Ratio of 0.37 is 429% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.39. The Banks industry median Cash Ratio is 0.62. Timbercreek Financial's value of 0.37 is 40.3% below this industry median. Based on the distribution chart, Timbercreek Financial ranks #27 out of 44 companies in the Banks industry, which is below the industry midpoint. Overall, Timbercreek Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Timbercreek Financial's Cash Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #27 out of 44 companies for Cash Ratio. This places Timbercreek Financial in the lower half of its industry. The industry median Cash Ratio is 0.62. Timbercreek Financial's value of 0.37 is 40.3% below this benchmark. Historically, Timbercreek Financial's own Cash Ratio has ranged from 0.01 to 1.39 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.62, Timbercreek Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Banks company?
The median Cash Ratio among Banks companies is 0.62, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Cash Ratio of 0.37 is 40.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median Cash Ratio is 0.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Cash Ratio is 0.37, which is 429% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Timbercreek Financial stock overvalued right now?
Based on GuruFocus' analysis, Timbercreek Financial (TBCRF) is currently considered Fairly Valued. The stock's GF Value™ is $4.45, compared to a current price of $4.57 — trading 2.8% above its estimated fair value. The current Cash Ratio is 0.37, which is 429% above median its 10-year median of 0.07 and 40.3% below the Banks industry median of 0.62. Timbercreek Financial's overall GF Score™ is 67/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Cash Ratio is 0.37 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Timbercreek Financial (TBCRF) Overvalued in 2026?
Based on GuruFocus' analysis, Timbercreek Financial stock appears to be overvalued.
The current stock price of $4.57 is trading 2.8% above its estimated GF Value™ of $4.45.
GuruFocus considers Timbercreek Financial to be Fairly Valued.
Key valuation signals for TBCRF:
Cash Ratio: 0.37 (429% above median its 10-year median of 0.07)
GF Value™: $4.45 vs. price of $4.57 (2.8% above fair value)
Industry Position: 40.3% below the Banks median (#27 of 44)
No single metric tells the full story. See the TBCRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Timbercreek Financial Corp is a mortgage investment corporation domiciled in Canada. The investment objective of the company is to secure and grow a diversified portfolio of high-quality mortgage and other loan investments, generating an attractive risk adjusted return and monthly dividend payments to shareholders, balanced by a focus on capital preservation. The company is focused on providing financing solutions to qualified real estate investors who require funding and who are generally in a transitional phase of the investment process (such as redevelopment of a property).
67GF Score
Get the complete analysis for TBCRF
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