Timbercreek FinancialTBCRF 67 Piotroski F-Score is 3 as of Jun. 26, 2026, which is 40% below its 10-year median of 5.00. 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. Among 1,497 Banks companies, Timbercreek Financial ranks worse than 88.11% on this metric.
Warning Sign:
Piotroski F-Score of 3 is low, which usually implies poor business operation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Timbercreek Financial has an F-score of 3. It is a bad or low score, which usually implies poor business operation.
The historical rank and industry rank for Timbercreek Financial's Piotroski F-Score or its related term are showing as below:
TBCRF'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 5 Max: 8
Current: 3
During the past 13 years, the highest Piotroski F-Score of Timbercreek Financial was 8. The lowest was 2. And the median was 5.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Timbercreek Financial Piotroski F-Score Related Terms
Timbercreek Financial Piotroski F-Score Historical Data
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The historical data trend for Timbercreek Financial's Piotroski F-Score 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: Piotroski F-Score Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Timbercreek Financial's current Net Income (TTM) was 21.9.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Timbercreek Financial's current Cash Flow from Operations (TTM) was -74.3.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Timbercreek Financial's return on assets of this year was 0.01757139. Timbercreek Financial's return on assets of last year was 0.02640876.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Timbercreek Financial's gearing of this year was 0.33893085. Timbercreek Financial's gearing of last year was 0.07877595.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Timbercreek Financial's current ratio of this year was 3.90503315. Timbercreek Financial's current ratio of last year was 0.21764341.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Timbercreek Financial's number of shares in issue this year was 82.753. Timbercreek Financial's number of shares in issue last year was 97.252.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Timbercreek Financial's gross margin of this year was 0.46386768. Timbercreek Financial's gross margin of last year was 0.46777638.
==> Last year's gross margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Timbercreek Financial's asset turnover of this year was 0.0891403. Timbercreek Financial's asset turnover of last year was 0.09181415.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Timbercreek Financial has an F-score of 3. It is a bad or low score, which usually implies poor business operation.
Timbercreek Financial (TBCRF) has a Piotroski F-Score of 3 as of Jun. 26, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Timbercreek Financial and its competitors. This is 40% below median its historical median of 5.00. Over the past decade, Timbercreek Financial's Piotroski F-Score has ranged from 2.00 to 8.00. According to the industry distribution chart, Timbercreek Financial ranks #1319 out of 1497 companies in the Banks industry, placing it in the top 88.1%.
Is Timbercreek Financial's Piotroski F-Score too high?
Timbercreek Financial's current Piotroski F-Score of 3 is 40% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. The Banks industry median Piotroski F-Score is 6.00. Timbercreek Financial's value of 3 is 50% below this industry median. Based on the distribution chart, Timbercreek Financial ranks #1319 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Piotroski F-Score compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #1319 out of 1497 companies for Piotroski F-Score. This places Timbercreek Financial in the lower half of its industry. The industry median Piotroski F-Score is 6.00. Timbercreek Financial's value of 3 is 50% below this benchmark. Historically, Timbercreek Financial's own Piotroski F-Score has ranged from 2.00 to 8.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 6.00, 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Piotroski F-Score of 3 is 50% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Piotroski F-Score is 3, which is 40% below median its own 10-year median of 5.00. 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 Piotroski F-Score is 3, which is 40% below median its 10-year median of 5.00 and 50% below the Banks industry median of 6.00. 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 Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Piotroski F-Score is 3 as of Jun. 26, 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:
Piotroski F-Score: 3 (40% below median its 10-year median of 5.00)
GF Value™: $4.62 vs. price of $4.63 (0.1% above fair value)
Industry Position: 50% below the Banks median (#1319 of 1497)
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
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