TBCRF (Timbercreek Financial) E10: $0.51 (As of Mar. 2026)


TBCRF Timbercreek Financial Corp TBCRF
67 GF Score
Price $4.63
GF Value $4.62
Valuation Fairly Valued
! 12 Warning Signs
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What is Timbercreek Financial E10?

Timbercreek Financial TBCRF 67 E10 is $0.51 as of Mar. 2026. GuruFocus rates TBCRF with a GF Score™ of 67/100 and a GF Value™ of $4.62 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Timbercreek Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.095. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.51 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Timbercreek Financial's average E10 Growth Rate was -4.00% per year. During the past 3 years, the average E10 Growth Rate was 2.90% per year. During the past 5 years, the average E10 Growth Rate was 5.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Timbercreek Financial was 9.40% per year. The lowest was 2.90% per year. And the median was 7.70% per year.

As of today (2026-06-25), Timbercreek Financial's current stock price is $4.625. Timbercreek Financial's E10 for the quarter that ended in Mar. 2026 was $0.51. Timbercreek Financial's Shiller PE Ratio of today is 9.07.

During the past 13 years, the highest Shiller PE Ratio of Timbercreek Financial was 16.26. The lowest was 8.03. And the median was 10.35.


Timbercreek Financial  (OTCPK:TBCRF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Timbercreek Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.625/0.51
=9.07

* 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 Shiller P/E Ratio of Timbercreek Financial was 16.26. The lowest was 8.03. And the median was 10.35.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Timbercreek Financial E10 Related Terms


Timbercreek Financial E10 Historical Data

* Premium members only.

The historical data trend for Timbercreek Financial's E10 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 E10 Chart

Timbercreek Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.47 0.49 0.54 0.52 0.53

Timbercreek Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.50 0.55 0.54 0.53 0.51

TBCRF vs RKT, FNMA, PFSI: E10 Comparison

For the Mortgage Finance subindustry, Timbercreek Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Timbercreek Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Timbercreek Financial's Shiller PE Ratio falls into.


TBCRF
67GF Score
Timbercreek Financial Corp TBCRF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Timbercreek Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.095/132.2623*132.2623
=0.095

Current CPI (Mar. 2026) = 132.2623.

Timbercreek Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.248 102.002 0.322
201609 0.130 101.765 0.169
201612 0.120 101.449 0.156
201703 0.127 102.634 0.164
201706 0.135 103.029 0.173
201709 0.147 103.345 0.188
201712 0.133 103.345 0.170
201803 0.116 105.004 0.146
201806 0.122 105.557 0.153
201809 0.130 105.636 0.163
201812 0.141 105.399 0.177
201903 0.120 106.979 0.148
201906 0.120 107.690 0.147
201909 0.128 107.611 0.157
201912 0.129 107.769 0.158
202003 0.064 107.927 0.078
202006 0.103 108.401 0.126
202009 0.136 108.164 0.166
202012 -0.016 108.559 -0.019
202103 0.143 110.298 0.171
202106 0.139 111.720 0.165
202109 0.103 112.905 0.121
202112 0.023 113.774 0.027
202203 0.126 117.646 0.142
202206 0.133 120.806 0.146
202209 0.120 120.648 0.132
202212 0.132 120.964 0.144
202303 0.153 122.702 0.165
202306 0.151 124.203 0.161
202309 0.140 125.230 0.148
202312 0.134 125.072 0.142
202403 0.126 126.258 0.132
202406 0.131 127.522 0.136
202409 0.125 127.285 0.130
202412 0.021 127.364 0.022
202503 0.125 129.181 0.128
202506 0.110 129.892 0.112
202509 0.072 130.287 0.073
202512 -0.007 130.366 -0.007
202603 0.095 132.262 0.095

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.51 mean?
Timbercreek Financial (TBCRF) has a E10 of $0.51 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Timbercreek Financial and its competitors.
Is Timbercreek Financial's E10 too high?
Timbercreek Financial's current E10 is $0.51. 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 E10 compare to RKT and FNMA?
Timbercreek Financial's E10 of $0.51 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Timbercreek Financial and its competitors. Timbercreek Financial's current E10 is $0.51. 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 $4.62, compared to a current price of $4.63 — trading 0.1% above its estimated fair value. The current E10 is $0.51. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current E10 is $0.51 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 $4.63 is trading 0.1% above its estimated GF Value™ of $4.62. GuruFocus considers Timbercreek Financial to be Fairly Valued.

Key valuation signals for TBCRF:

  • E10: $0.51
  • GF Value™: $4.62 vs. price of $4.63 (0.1% above fair value)
  • GF Score™: 67/100 with 12 warning signs

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 Business Description

Other Exchanges 58O:GermanyTF:Canada
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).
67GF Score

Get the complete analysis for TBCRF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.63
Price
$4.62
GF Value