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Timbercreek FinancialTBCRF +0.33%67 Debt-to-EBITDA is 12.19 as of Mar. 2026, which is 25% above its 10-year median of 9.72. GuruFocus rates TBCRF with a GF Score™ of 67/100 and a GF Value™ of $4.47 (Fairly Valued). The stock has 12 warning signs investors should review. Among 33 Banks companies, Timbercreek Financial ranks worse than 66.67% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Timbercreek Financial's Debt-to-EBITDA or its related term are showing as below:
TBCRF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 5.34 Med: 9.72 Max: 15.63
Current: 15.63
During the past 13 years, the highest Debt-to-EBITDA Ratio of Timbercreek Financial was 15.63. The lowest was 5.34. And the median was 9.72.
TBCRF's Debt-to-EBITDA is ranked worse than 66.67% of 33
companies
in the Banks industry
Industry Median: 9.18
vs TBCRF: 15.63
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Timbercreek Financial Debt-to-EBITDA Related Terms
Timbercreek Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Timbercreek Financial's Debt-to-EBITDA 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.
TBCRF vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Timbercreek Financial (TBCRF) has a Debt-to-EBITDA of 12.19 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Timbercreek Financial. This is 25% above median its historical median of 9.72. Over the past decade, Timbercreek Financial's Debt-to-EBITDA has ranged from 5.34 to 15.63. According to the industry distribution chart, Timbercreek Financial ranks #22 out of 33 companies in the Banks industry, placing it in the top 66.7%.
Is Timbercreek Financial's Debt-to-EBITDA too high?
Timbercreek Financial's current Debt-to-EBITDA of 12.19 is 25% above median its 10-year median of 9.72. Over the past 10 years, this metric has ranged from a low of 5.34 to a high of 15.63. The Banks industry median Debt-to-EBITDA is 9.18. Timbercreek Financial's value of 12.19 is 32.8% above this industry median. Based on the distribution chart, Timbercreek Financial ranks #22 out of 33 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 Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #22 out of 33 companies for Debt-to-EBITDA. This places Timbercreek Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 9.18. Timbercreek Financial's value of 12.19 is 32.8% above this benchmark. Historically, Timbercreek Financial's own Debt-to-EBITDA has ranged from 5.34 to 15.63 over the past decade. While the company's 10-year median is 9.72 vs. the industry median of 9.18, Timbercreek Financial has consistently been above 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 Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 9.18, based on 33 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Debt-to-EBITDA of 12.19 is 32.8% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Timbercreek Financial. For the Banks industry, the median Debt-to-EBITDA is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Debt-to-EBITDA is 12.19, which is 25% above median its own 10-year median of 9.72. 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 $4.47, compared to a current price of $4.59 — trading 2.7% above its estimated fair value. The current Debt-to-EBITDA is 12.19, which is 25% above median its 10-year median of 9.72 and 32.8% above the Banks industry median of 9.18. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Debt-to-EBITDA is 12.19 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 $4.59 is trading 2.7% above its estimated GF Value™ of $4.47.
GuruFocus considers Timbercreek Financial to be Fairly Valued.
Key valuation signals for TBCRF:
Debt-to-EBITDA: 12.19 (25% above median its 10-year median of 9.72)
GF Value™: $4.47 vs. price of $4.59 (2.7% above fair value)
Industry Position: 32.8% above the Banks median (#22 of 33)
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
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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