Timbercreek FinancialTBCRF 67 Interest Coverage is 4.62 as of Mar. 2026, which is 35% below its 10-year median of 7.07. 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 21 Banks companies, Timbercreek Financial ranks worse than 76.19% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Timbercreek Financial's
Operating Income
for the
three
months ended in Mar. 2026 was $8.8 Mil. Timbercreek Financial's Interest Expense for the
three
months ended in Mar. 2026 was $-1.9 Mil.
Timbercreek Financial's interest coverage for the quarter that ended in Mar. 2026 was 4.62.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Timbercreek Financial Corp interest coverage is 4.59, which is low.
The historical rank and industry rank for Timbercreek Financial's Interest Coverage or its related term are showing as below:
TBCRF'
s Interest Coverage Range Over the Past 10 Years
Min: 4.59 Med: 7.07 Max: 11.09
Current: 4.59
TBCRF's Interest Coverage is ranked worse than 76.19% of 21
companies
in the Banks industry
Industry Median: 22.68
vs TBCRF: 4.59
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Timbercreek Financial Interest Coverage Related Terms
Timbercreek Financial Interest Coverage Historical Data
* Premium members only.
The historical data trend for Timbercreek Financial's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
TBCRF vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (TBCRF) has a Interest Coverage of 4.62 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Timbercreek Financial and its competitors. This is 35% below median its historical median of 7.07. Over the past decade, Timbercreek Financial's Interest Coverage has ranged from 4.59 to 11.09. According to the industry distribution chart, Timbercreek Financial ranks #16 out of 21 companies in the Banks industry, placing it in the top 76.2%.
Is Timbercreek Financial's Interest Coverage too high?
Timbercreek Financial's current Interest Coverage of 4.62 is 35% below median its 10-year median of 7.07. Over the past 10 years, this metric has ranged from a low of 4.59 to a high of 11.09. The Banks industry median Interest Coverage is 22.68. Timbercreek Financial's value of 4.62 is 79.6% below this industry median. Based on the distribution chart, Timbercreek Financial ranks #16 out of 21 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 Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #16 out of 21 companies for Interest Coverage. This places Timbercreek Financial in the lower half of its industry. The industry median Interest Coverage is 22.68. Timbercreek Financial's value of 4.62 is 79.6% below this benchmark. Historically, Timbercreek Financial's own Interest Coverage has ranged from 4.59 to 11.09 over the past decade. While the company's 10-year median is 7.07 vs. the industry median of 22.68, 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 Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 22.68, based on 21 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Interest Coverage of 4.62 is 79.6% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median Interest Coverage is 22.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Interest Coverage is 4.62, which is 35% below median its own 10-year median of 7.07. 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 Interest Coverage is 4.62, which is 35% below median its 10-year median of 7.07 and 79.6% below the Banks industry median of 22.68. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Interest Coverage is 4.62 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:
Interest Coverage: 4.62 (35% below median its 10-year median of 7.07)
GF Value™: $4.62 vs. price of $4.63 (0.1% above fair value)
Industry Position: 79.6% below the Banks median (#16 of 21)
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
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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