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Timbercreek FinancialFRA:58O -1.58%74 Cyclically Adjusted PB Ratio is 0.61 as of Aug. 12, 2026, which is 20% below its 10-year median of 0.76. GuruFocus rates FRA:58O with a GF Score™ of 74/100 and a GF Value™ of €4.08 (Fairly Valued). The stock has 12 warning signs investors should review. Among 1,287 Banks companies, Timbercreek Financial ranks better than 82.83% on this metric.
The historical rank and industry rank for Timbercreek Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:
FRA:58O'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.6 Med: 0.76 Max: 1.04
Current: 0.62
During the past years, Timbercreek Financial's highest Cyclically Adjusted PB Ratio was 1.04. The lowest was 0.60. And the median was 0.76.
FRA:58O's Cyclically Adjusted PB Ratio is ranked better than 82.83% of 1287
companies
in the Banks industry
Industry Median: 1.28
vs FRA:58O: 0.62
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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
Timbercreek Financial's adjusted book value per share data for the three months ended in Jun. 2026 was €4.872. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €6.13 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Timbercreek Financial (FRA:58O) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Timbercreek Financial Cyclically Adjusted PB Ratio Related Terms
Timbercreek Financial Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for Timbercreek Financial's Cyclically Adjusted PB Ratio 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 PB Ratio Chart
FRA:58O vs RKT, FNMA, PFSI: Cyclically Adjusted PB Ratio Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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 Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Cyclically Adjusted PB Ratio falls into.
Timbercreek Financial Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 0.61 mean?
Timbercreek Financial (FRA:58O) has a Cyclically Adjusted PB Ratio of 0.61 as of Aug. 12, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Timbercreek Financial and its competitors. This is 20% below median its historical median of 0.76. Over the past decade, Timbercreek Financial's Cyclically Adjusted PB Ratio has ranged from 0.60 to 1.04. According to the industry distribution chart, Timbercreek Financial ranks #221 out of 1287 companies in the Banks industry, placing it in the top 17.2%.
Is Timbercreek Financial's Cyclically Adjusted PB Ratio too high?
Timbercreek Financial's current Cyclically Adjusted PB Ratio of 0.61 is 20% below median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.04. The Banks industry median Cyclically Adjusted PB Ratio is 1.28. Timbercreek Financial's value of 0.61 is 52.3% below this industry median. Based on the distribution chart, Timbercreek Financial ranks #221 out of 1287 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Timbercreek Financial has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Timbercreek Financial's Cyclically Adjusted PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #221 out of 1287 companies for Cyclically Adjusted PB Ratio. This places Timbercreek Financial in the top 17% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 1.28. Timbercreek Financial's value of 0.61 is 52.3% below this benchmark. Historically, Timbercreek Financial's own Cyclically Adjusted PB Ratio has ranged from 0.60 to 1.04 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 1.28, 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 Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.28, based on 1,287 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Cyclically Adjusted PB Ratio of 0.61 is 52.3% 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Cyclically Adjusted PB Ratio is 0.61, which is 20% below median its own 10-year median of 0.76. 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 (FRA:58O) is currently considered Fairly Valued. The stock's GF Value™ is €4.08, compared to a current price of €3.74 — trading 8.3% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.61, which is 20% below median its 10-year median of 0.76 and 52.3% below the Banks industry median of 1.28. Timbercreek Financial's overall GF Score™ is 74/100 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Timbercreek Financial (FRA:58O), the current Cyclically Adjusted PB Ratio is 0.61 as of Aug. 12, 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 (FRA:58O) Overvalued in 2026?
Based on GuruFocus' analysis, Timbercreek Financial stock appears to be undervalued.
The current stock price of €3.74 is trading 8.3% below its estimated GF Value™ of €4.08.
GuruFocus considers Timbercreek Financial to be Fairly Valued.
Key valuation signals for FRA:58O:
Cyclically Adjusted PB Ratio: 0.61 (20% below median its 10-year median of 0.76)
GF Value™: €4.08 vs. price of €3.74 (8.3% below fair value)
Industry Position: 52.3% below the Banks median (#221 of 1287)
No single metric tells the full story. See the FRA:58O 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).
74GF Score
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