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"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
Timbercreek Financial does not have enough data to calculate Owner Earnings per Share (TTM), so as Price-to-Owner-Earnings ratio.
The historical rank and industry rank for Timbercreek Financial's Owner Earnings per Share (TTM) or its related term are showing as below:
TBCRF's Price-to-Owner-Earnings is not ranked *
in the Banks industry.
Industry Median: 10.41 * Ranked among companies with meaningful Price-to-Owner-Earnings only.
Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.
Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.
Timbercreek Financial Owner Earnings per Share (TTM) Related Terms
Timbercreek Financial Owner Earnings per Share (TTM) Historical Data
* Premium members only.
The historical data trend for Timbercreek Financial's Owner Earnings per Share (TTM) 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 Owner Earnings per Share (TTM) Chart
TBCRF vs RKT, FNMA, PFSI: Owner Earnings per Share (TTM) Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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 Price-to-Owner-Earnings vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
What does a Owner Earnings per Share (TTM) of 0.00 mean?
Timbercreek Financial (TBCRF) has a Owner Earnings per Share (TTM) of 0.00 as of Mar. 2026. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Timbercreek Financial. Over the past decade, Timbercreek Financial's Owner Earnings per Share (TTM) has ranged from 9.75 to 20.75. According to the industry distribution chart, Timbercreek Financial ranks #999999 out of 1047 companies in the Banks industry.
Is Timbercreek Financial's Owner Earnings per Share (TTM) too high?
Timbercreek Financial's current Owner Earnings per Share (TTM) is 0.00. Over the past 10 years, this metric has ranged from a low of 9.75 to a high of 20.75. Based on the distribution chart, Timbercreek Financial ranks #999999 out of 1047 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 Owner Earnings per Share (TTM) compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #999999 out of 1047 companies for Owner Earnings per Share (TTM). This places Timbercreek Financial in the lower half of its industry. The industry median Owner Earnings per Share (TTM) is 10.41. Historically, Timbercreek Financial's own Owner Earnings per Share (TTM) has ranged from 9.75 to 20.75 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Banks company?
The median Owner Earnings per Share (TTM) among Banks companies is 10.41, based on 1,047 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) 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 Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Timbercreek Financial. For the Banks industry, the median Owner Earnings per Share (TTM) is 10.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Owner Earnings per Share (TTM) is 0.00. 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 $4.45, compared to a current price of $4.57 — trading 2.8% above its estimated fair value. The current Owner Earnings per Share (TTM) is 0.00. 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 Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Owner Earnings per Share (TTM) is 0.00 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 $4.57 is trading 2.8% above its estimated GF Value™ of $4.45.
GuruFocus considers Timbercreek Financial to be Fairly Valued.
Key valuation signals for TBCRF:
Owner Earnings per Share (TTM): 0.00
GF Value™: $4.45 vs. price of $4.57 (2.8% above fair value)
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
Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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