Timbercreek FinancialTBCRF 67 ROA % is 2.05% as of Mar. 2026, which is 30% below its 10-year median of 2.94. 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 1,528 Banks companies, Timbercreek Financial ranks better than 79.97% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Timbercreek Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $30.2 Mil.
Timbercreek Financial's average Total Assets over the quarter that ended in Mar. 2026 was $1,477.7 Mil. Therefore, Timbercreek Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 2.05%.
The historical rank and industry rank for Timbercreek Financial's ROA % or its related term are showing as below:
TBCRF'
s ROA % Range Over the Past 10 Years
Min: 1.59 Med: 2.94 Max: 3.93
Current: 1.59
During the past 13 years, Timbercreek Financial's highest ROA % was 3.93%. The lowest was 1.59%. And the median was 2.94%.
TBCRF's ROA % is ranked better than 79.97% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs TBCRF: 1.59
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Mortgage Finance subindustry, Timbercreek Financial's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Timbercreek Financial (TBCRF) has a ROA % of 2.05% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Timbercreek Financial and its competitors. This is 30% below median its historical median of 2.94. Over the past decade, Timbercreek Financial's ROA % has ranged from 1.59 to 3.93. According to the industry distribution chart, Timbercreek Financial ranks #306 out of 1528 companies in the Banks industry, placing it in the top 20%.
Is Timbercreek Financial's ROA % too high?
Timbercreek Financial's current ROA % of 2.05% is 30% below median its 10-year median of 2.94. Over the past 10 years, this metric has ranged from a low of 1.59 to a high of 3.93. The Banks industry median ROA % is 0.98. Timbercreek Financial's value of 2.05% is 109.2% above this industry median. Based on the distribution chart, Timbercreek Financial ranks #306 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position 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 ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #306 out of 1528 companies for ROA %. This places Timbercreek Financial in the top 20% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Timbercreek Financial's value of 2.05% is 109.2% above this benchmark. Historically, Timbercreek Financial's own ROA % has ranged from 1.59 to 3.93 over the past decade. While the company's 10-year median is 2.94 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current ROA % of 2.05% is 109.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current ROA % is 2.05%, which is 30% below median its own 10-year median of 2.94. 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 ROA % is 2.05%, which is 30% below median its 10-year median of 2.94 and 109.2% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current ROA % is 2.05% 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:
ROA %: 2.05% (30% below median its 10-year median of 2.94)
GF Value™: $4.62 vs. price of $4.63 (0.1% above fair value)
Industry Position: 109.2% above the Banks median (#306 of 1528)
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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