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TBCRF (Timbercreek Financial) Cyclically Adjusted PB Ratio : 0.80 (As of Jun. 01, 2025)


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What is Timbercreek Financial Cyclically Adjusted PB Ratio?

As of today (2025-06-01), Timbercreek Financial's current share price is $5.375. Timbercreek Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $6.68. Timbercreek Financial's Cyclically Adjusted PB Ratio for today is 0.80.

The historical rank and industry rank for Timbercreek Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

TBCRF' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.6   Med: 0.78   Max: 1.04
Current: 0.74

During the past years, Timbercreek Financial's highest Cyclically Adjusted PB Ratio was 1.04. The lowest was 0.60. And the median was 0.78.

TBCRF's Cyclically Adjusted PB Ratio is ranked better than
70.44% of 1282 companies
in the Banks industry
Industry Median: 1.01 vs TBCRF: 0.74

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 Mar. 2025 was $5.769. 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 $6.68 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Timbercreek Financial Cyclically Adjusted PB Ratio Historical Data

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.

* Premium members only.

Timbercreek Financial Cyclically Adjusted PB Ratio Chart

Timbercreek Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.93 1.00 0.71 0.66 0.71

Timbercreek Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio 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 0.77 0.71 0.81 0.71 0.65

Competitive Comparison of Timbercreek Financial's Cyclically Adjusted PB Ratio

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's Cyclically Adjusted PB Ratio Distribution in the 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.


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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.

Timbercreek Financial's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=5.375/6.68
=0.80

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Timbercreek Financial's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=5.769/129.1809*129.1809
=5.769

Current CPI (Mar. 2025) = 129.1809.

Timbercreek Financial Quarterly Data

Book Value per Share CPI Adj_Book
201506 7.259 100.500 9.331
201509 6.747 100.421 8.679
201512 6.520 99.947 8.427
201603 6.758 101.054 8.639
201606 6.786 102.002 8.594
201609 6.675 101.765 8.473
201612 6.564 101.449 8.358
201703 6.560 102.634 8.257
201706 6.606 103.029 8.283
201709 7.159 103.345 8.949
201712 6.886 103.345 8.608
201803 6.780 105.004 8.341
201806 6.666 105.557 8.158
201809 6.715 105.636 8.212
201812 6.528 105.399 8.001
201903 6.551 106.979 7.911
201906 6.588 107.690 7.903
201909 6.609 107.611 7.934
201912 6.644 107.769 7.964
202003 6.210 107.927 7.433
202006 6.386 108.401 7.610
202009 6.547 108.164 7.819
202012 6.612 108.559 7.868
202103 6.749 110.298 7.904
202106 6.937 111.720 8.021
202109 6.664 112.905 7.625
202112 6.505 113.774 7.386
202203 6.578 117.646 7.223
202206 6.508 120.806 6.959
202209 6.239 120.648 6.680
202212 6.130 120.964 6.546
202303 6.118 122.702 6.441
202306 6.326 124.203 6.580
202309 6.231 125.230 6.428
202312 6.296 125.072 6.503
202403 6.198 126.258 6.342
202406 6.143 127.522 6.223
202409 6.212 127.285 6.305
202412 5.806 127.364 5.889
202503 5.769 129.181 5.769

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.


Timbercreek Financial  (OTCPK:TBCRF) 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

Thank you for viewing the detailed overview of Timbercreek Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Timbercreek Financial Business Description

Traded in Other Exchanges
Address
25 Price Street, Toronto, ON, CAN, M4W 1Z1
Timbercreek Financial Corp is a Canada-based non-banking commercial real estate lender. The company provides shorter-duration, customized financing solutions to professional real estate investors. It invests directly in a diversified portfolio of structured mortgage loans predominantly secured by stabilized, income-producing commercial real estates, such as multi-residential, office and retail buildings located in urban markets across Canada. The company's objective is to preserve investor capital and provide risk adjusted returns by lending mainly against income producing real estate, mitigate concentration risk by diversifying geographically by asset type and borrower and ensure loan to value ratios.