Timbercreek FinancialTBCRF -0.69%67 Return-on-Tangible-Equity is 6.30% as of Mar. 2026, which is 18% below its 10-year median of 7.67. GuruFocus rates TBCRF with a GF Score™ of 67/100 and a GF Value™ of $4.58 (Fairly Valued). The stock has 12 warning signs investors should review. Among 1,523 Banks companies, Timbercreek Financial ranks worse than 85.55% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Timbercreek Financial's annualized net income for the quarter that ended in Mar. 2026 was $30.2 Mil. Timbercreek Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $480.0 Mil. Therefore, Timbercreek Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.30%.
The historical rank and industry rank for Timbercreek Financial's Return-on-Tangible-Equity or its related term are showing as below:
TBCRF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.46 Med: 7.67 Max: 9.49
Current: 4.46
During the past 13 years, Timbercreek Financial's highest Return-on-Tangible-Equity was 9.49%. The lowest was 4.46%. And the median was 7.67%.
TBCRF's Return-on-Tangible-Equity is ranked worse than 85.55% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs TBCRF: 4.46
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Timbercreek Financial Return-on-Tangible-Equity Related Terms
Timbercreek Financial Return-on-Tangible-Equity Historical Data
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The historical data trend for Timbercreek Financial's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.30% mean?
Timbercreek Financial (TBCRF) has a Return-on-Tangible-Equity of 6.30% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Timbercreek Financial and its competitors. This is 18% below median its historical median of 7.67. Over the past decade, Timbercreek Financial's Return-on-Tangible-Equity has ranged from 4.46 to 9.49. According to the industry distribution chart, Timbercreek Financial ranks #1303 out of 1523 companies in the Banks industry, placing it in the top 85.6%.
Is Timbercreek Financial's Return-on-Tangible-Equity too high?
Timbercreek Financial's current Return-on-Tangible-Equity of 6.30% is 18% below median its 10-year median of 7.67. Over the past 10 years, this metric has ranged from a low of 4.46 to a high of 9.49. The Banks industry median Return-on-Tangible-Equity is 11.20. Timbercreek Financial's value of 6.30% is 43.8% below this industry median. Based on the distribution chart, Timbercreek Financial ranks #1303 out of 1523 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 Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #1303 out of 1523 companies for Return-on-Tangible-Equity. This places Timbercreek Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Timbercreek Financial's value of 6.30% is 43.8% below this benchmark. Historically, Timbercreek Financial's own Return-on-Tangible-Equity has ranged from 4.46 to 9.49 over the past decade. While the company's 10-year median is 7.67 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current Return-on-Tangible-Equity of 6.30% is 43.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current Return-on-Tangible-Equity is 6.30%, which is 18% below median its own 10-year median of 7.67. 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 $4.58, compared to a current price of $4.58 — trading right at its estimated fair value. The current Return-on-Tangible-Equity is 6.30%, which is 18% below median its 10-year median of 7.67 and 43.8% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current Return-on-Tangible-Equity is 6.30% 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 undervalued.
The current stock price of $4.58 is trading 0% below its estimated GF Value™ of $4.58.
GuruFocus considers Timbercreek Financial to be Fairly Valued.
Key valuation signals for TBCRF:
Return-on-Tangible-Equity: 6.30% (18% below median its 10-year median of 7.67)
GF Value™: $4.58 vs. price of $4.58 (0% below fair value)
Industry Position: 43.8% below the Banks median (#1303 of 1523)
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
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