Timbercreek FinancialTBCRF 67 Gross Margin % is 42.22% as of Mar. 2026, which is 18% below its 10-year median of 51.41. 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 44 Banks companies, Timbercreek Financial ranks better than 59.09% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Timbercreek Financial had a gross margin of 42.22% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Timbercreek Financial Gross Margin % Related Terms
Timbercreek Financial Gross Margin % Historical Data
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The historical data trend for Timbercreek Financial's Gross Margin % 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: Gross Margin % Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Timbercreek Financial (TBCRF) has a Gross Margin % of 42.22% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Timbercreek Financial and its competitors. This is 18% below median its historical median of 51.41. Over the past decade, Timbercreek Financial's Gross Margin % has ranged from 44.56 to 56.52. According to the industry distribution chart, Timbercreek Financial ranks #18 out of 44 companies in the Banks industry, placing it in the top 40.9%.
Is Timbercreek Financial's Gross Margin % too high?
Timbercreek Financial's current Gross Margin % of 42.22% is 18% below median its 10-year median of 51.41. Over the past 10 years, this metric has ranged from a low of 44.56 to a high of 56.52. The Banks industry median Gross Margin % is 41.02. Timbercreek Financial's value of 42.22% is 2.9% above this industry median. Based on the distribution chart, Timbercreek Financial ranks #18 out of 44 companies in the Banks industry, which is above 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 Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #18 out of 44 companies for Gross Margin %. This puts Timbercreek Financial in the upper half of its industry. The industry median Gross Margin % is 41.02. Timbercreek Financial's value of 42.22% is 2.9% above this benchmark. Historically, Timbercreek Financial's own Gross Margin % has ranged from 44.56 to 56.52 over the past decade. While the company's 10-year median is 51.41 vs. the industry median of 41.02, 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 Gross Margin % for a Banks company?
The median Gross Margin % among Banks companies is 41.02, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Gross Margin % of 42.22% is 2.9% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median Gross Margin % is 41.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Gross Margin % is 42.22%, which is 18% below median its own 10-year median of 51.41. 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 Gross Margin % is 42.22%, which is 18% below median its 10-year median of 51.41 and 2.9% above the Banks industry median of 41.02. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Gross Margin % is 42.22% 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:
Gross Margin %: 42.22% (18% below median its 10-year median of 51.41)
GF Value™: $4.62 vs. price of $4.63 (0.1% above fair value)
Industry Position: 2.9% above the Banks median (#18 of 44)
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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