Timbercreek FinancialTBCRF 67 Pretax Margin % is 26.62% as of Mar. 2026, which is 28% below its 10-year median of 37.15. GuruFocus rates TBCRF with a GF Score™ of 67/100 and a GF Value™ of $4.52 (Fairly Valued). The stock has 12 warning signs investors should review. Among 1,527 Banks companies, Timbercreek Financial ranks worse than 81.2% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Timbercreek Financial Pretax Margin % Related Terms
Timbercreek Financial Pretax Margin % Historical Data
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The historical data trend for Timbercreek Financial's Pretax 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: Pretax Margin % Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Pretax 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.
Timbercreek Financial (TBCRF) has a Pretax Margin % of 26.62% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Timbercreek Financial and its competitors. This is 28% below median its historical median of 37.15. Over the past decade, Timbercreek Financial's Pretax Margin % has ranged from 19.67 to 55.42. According to the industry distribution chart, Timbercreek Financial ranks #1240 out of 1527 companies in the Banks industry, placing it in the top 81.2%.
Is Timbercreek Financial's Pretax Margin % too high?
Timbercreek Financial's current Pretax Margin % of 26.62% is 28% below median its 10-year median of 37.15. Over the past 10 years, this metric has ranged from a low of 19.67 to a high of 55.42. The Banks industry median Pretax Margin % is 34.88. Timbercreek Financial's value of 26.62% is 23.7% below this industry median. Based on the distribution chart, Timbercreek Financial ranks #1240 out of 1527 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 Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #1240 out of 1527 companies for Pretax Margin %. This places Timbercreek Financial in the lower half of its industry. The industry median Pretax Margin % is 34.88. Timbercreek Financial's value of 26.62% is 23.7% below this benchmark. Historically, Timbercreek Financial's own Pretax Margin % has ranged from 19.67 to 55.42 over the past decade. While the company's 10-year median is 37.15 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Pretax Margin % of 26.62% is 23.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Pretax Margin % is 26.62%, which is 28% below median its own 10-year median of 37.15. 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 $4.52, compared to a current price of $4.63 — trading 2.3% above its estimated fair value. The current Pretax Margin % is 26.62%, which is 28% below median its 10-year median of 37.15 and 23.7% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Pretax Margin % is 26.62% 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 2.3% above its estimated GF Value™ of $4.52.
GuruFocus considers Timbercreek Financial to be Fairly Valued.
Key valuation signals for TBCRF:
Pretax Margin %: 26.62% (28% below median its 10-year median of 37.15)
GF Value™: $4.52 vs. price of $4.63 (2.3% above fair value)
Industry Position: 23.7% below the Banks median (#1240 of 1527)
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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