Timbercreek Financial (TSX:TF) Cyclically Adjusted FCF per Share: C$0.87 (As of Mar. 2026)


TSX:TF Timbercreek Financial Corp TSX:TF
69 GF Score
Price C$6.55
GF Value C$6.34
Valuation Fairly Valued
! 12 Warning Signs
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What is Timbercreek Financial Cyclically Adjusted FCF per Share?

Timbercreek Financial TSX:TF +0.31% 69 Cyclically Adjusted FCF per Share is C$0.87 as of Mar. 2026. GuruFocus rates TSX:TF with a GF Score™ of 69/100 and a GF Value™ of C$6.34 (Fairly Valued). The stock has 12 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Timbercreek Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was C$0.156. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is C$0.87 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Timbercreek Financial's average Cyclically Adjusted FCF Growth Rate was -17.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -4.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 0.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Timbercreek Financial was 10.20% per year. The lowest was -4.60% per year. And the median was 3.40% per year.

As of today (2026-07-11), Timbercreek Financial's current stock price is C$6.55. Timbercreek Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was C$0.87. Timbercreek Financial's Cyclically Adjusted Price-to-FCF of today is 7.53.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Timbercreek Financial was 10.78. The lowest was 5.69. And the median was 7.62.


Timbercreek Financial  (TSX:TF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Timbercreek Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=6.55/0.87
=7.53

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Timbercreek Financial was 10.78. The lowest was 5.69. And the median was 7.62.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Timbercreek Financial Cyclically Adjusted FCF per Share Related Terms


Timbercreek Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Timbercreek Financial's Cyclically Adjusted FCF per Share can be seen below:

* 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 Cyclically Adjusted FCF per Share Chart

Timbercreek Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.94 0.99 1.19 1.04 0.86

Timbercreek Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.05 0.00 1.12 0.86 0.87

TSX:TF vs RKT, FNMA, PFSI: Cyclically Adjusted FCF per Share Comparison

For the Mortgage Finance subindustry, Timbercreek Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Timbercreek Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Timbercreek Financial's Cyclically Adjusted Price-to-FCF falls into.


TSX:TF
69GF Score
Timbercreek Financial Corp TSX:TF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Timbercreek Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Timbercreek Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.156/132.2623*132.2623
=0.156

Current CPI (Mar. 2026) = 132.2623.

Timbercreek Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.206 102.002 0.267
201609 0.180 101.765 0.234
201612 0.164 101.449 0.214
201703 0.139 102.634 0.179
201706 0.189 103.029 0.243
201709 0.246 103.345 0.315
201712 0.203 103.345 0.260
201803 0.271 105.004 0.341
201806 0.238 105.557 0.298
201809 0.202 105.636 0.253
201812 0.165 105.399 0.207
201903 0.262 106.979 0.324
201906 0.342 107.690 0.420
201909 0.218 107.611 0.268
201912 0.356 107.769 0.437
202003 0.249 107.927 0.305
202006 0.238 108.401 0.290
202009 0.244 108.164 0.298
202012 0.239 108.559 0.291
202103 0.216 110.298 0.259
202106 0.262 111.720 0.310
202109 0.260 112.905 0.305
202112 0.242 113.774 0.281
202203 0.206 117.646 0.232
202206 0.182 120.806 0.199
202209 0.230 120.648 0.252
202212 0.359 120.964 0.393
202303 0.257 122.702 0.277
202306 0.237 124.203 0.252
202309 0.181 125.230 0.191
202312 2.021 125.072 2.137
202403 -0.167 126.258 -0.175
202406 -0.059 127.522 -0.061
202409 -0.003 127.285 -0.003
202412 -0.584 127.364 -0.606
202503 0.070 129.181 0.072
202506 0.000 129.892 0.000
202509 0.901 130.287 0.915
202512 -2.293 130.366 -2.326
202603 0.156 132.262 0.156

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of C$0.87 mean?
Timbercreek Financial (TSX:TF) has a Cyclically Adjusted FCF per Share of C$0.87 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Timbercreek Financial and its competitors.
Is Timbercreek Financial's Cyclically Adjusted FCF per Share too high?
Timbercreek Financial's current Cyclically Adjusted FCF per Share is C$0.87. Overall, Timbercreek Financial has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Timbercreek Financial's Cyclically Adjusted FCF per Share compare to RKT and FNMA?
Timbercreek Financial's Cyclically Adjusted FCF per Share of C$0.87 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Timbercreek Financial and its competitors. Timbercreek Financial's current Cyclically Adjusted FCF per Share is C$0.87. 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 (TSX:TF) is currently considered Fairly Valued. The stock's GF Value™ is C$6.34, compared to a current price of C$6.55 — trading 3.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is C$0.87. Timbercreek Financial's overall GF Score™ is 69/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Timbercreek Financial (TSX:TF), the current Cyclically Adjusted FCF per Share is C$0.87 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 (TSX:TF) Overvalued in 2026?

Based on GuruFocus' analysis, Timbercreek Financial stock appears to be overvalued. The current stock price of C$6.55 is trading 3.3% above its estimated GF Value™ of C$6.34. GuruFocus considers Timbercreek Financial to be Fairly Valued.

Key valuation signals for TSX:TF:

  • Cyclically Adjusted FCF per Share: C$0.87
  • GF Value™: C$6.34 vs. price of C$6.55 (3.3% above fair value)
  • GF Score™: 69/100 with 12 warning signs

No single metric tells the full story. See the TSX:TF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Timbercreek Financial Business Description

Other Exchanges TBCRF:USA58O:Germany
Address 25 Price Street, Toronto, ON, CAN, M4W 1Z1
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).
69GF Score

Get the complete analysis for TSX:TF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$6.55
Price
C$6.34
GF Value