Timbercreek FinancialTBCRF +0.22%67 ROC (Joel Greenblatt) % is 554.28% as of Mar. 2026, which is 30% below its 10-year median of 786.31. GuruFocus rates TBCRF with a GF Score™ of 67/100 and a GF Value™ of $4.55 (Fairly Valued). The stock has 12 warning signs investors should review. Among 47 Banks companies, Timbercreek Financial ranks better than 61.7% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Timbercreek Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 554.28%.
The historical rank and industry rank for Timbercreek Financial's ROC (Joel Greenblatt) % or its related term are showing as below:
TBCRF'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 65.74 Med: 786.31 Max: 3126.35
Current: 299.31
During the past 13 years, Timbercreek Financial's highest ROC (Joel Greenblatt) % was 3126.35%. The lowest was 65.74%. And the median was 786.31%.
TBCRF's ROC (Joel Greenblatt) % is ranked better than 61.7% of 47
companies
in the Banks industry
Industry Median: 71.07
vs TBCRF: 299.31
Timbercreek Financial's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was -56.40% per year.
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Timbercreek Financial ROC (Joel Greenblatt) % Related Terms
Timbercreek Financial ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Timbercreek Financial's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Mortgage Finance subindustry, Timbercreek Financial's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, Timbercreek Financial's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Timbercreek Financial's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.
What does a ROC (Joel Greenblatt) % of 554.28% mean?
Timbercreek Financial (TBCRF) has a ROC (Joel Greenblatt) % of 554.28% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Timbercreek Financial and its competitors. This is 30% below median its historical median of 786.31. Over the past decade, Timbercreek Financial's ROC (Joel Greenblatt) % has ranged from 65.74 to 3,126.35. According to the industry distribution chart, Timbercreek Financial ranks #18 out of 47 companies in the Banks industry, placing it in the top 38.3%.
Is Timbercreek Financial's ROC (Joel Greenblatt) % too high?
Timbercreek Financial's current ROC (Joel Greenblatt) % of 554.28% is 30% below median its 10-year median of 786.31. Over the past 10 years, this metric has ranged from a low of 65.74 to a high of 3,126.35. The Banks industry median ROC (Joel Greenblatt) % is 71.07. Timbercreek Financial's value of 554.28% is 679.9% above this industry median. Based on the distribution chart, Timbercreek Financial ranks #18 out of 47 companies in the Banks industry, which is above the industry midpoint. 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 ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, Timbercreek Financial ranks #18 out of 47 companies for ROC (Joel Greenblatt) %. This puts Timbercreek Financial in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 71.07. Timbercreek Financial's value of 554.28% is 679.9% above this benchmark. Historically, Timbercreek Financial's own ROC (Joel Greenblatt) % has ranged from 65.74 to 3,126.35 over the past decade. While the company's 10-year median is 786.31 vs. the industry median of 71.07, 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 ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 71.07, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timbercreek Financial's current ROC (Joel Greenblatt) % of 554.28% is 679.9% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Timbercreek Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 71.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timbercreek Financial's current ROC (Joel Greenblatt) % is 554.28%, which is 30% below median its own 10-year median of 786.31. 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 $4.55, compared to a current price of $4.59 — trading 0.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is 554.28%, which is 30% below median its 10-year median of 786.31 and 679.9% above the Banks industry median of 71.07. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Timbercreek Financial (TBCRF), the current ROC (Joel Greenblatt) % is 554.28% 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 $4.59 is trading 0.9% above its estimated GF Value™ of $4.55.
GuruFocus considers Timbercreek Financial to be Fairly Valued.
Key valuation signals for TBCRF:
ROC (Joel Greenblatt) %: 554.28% (30% below median its 10-year median of 786.31)
GF Value™: $4.55 vs. price of $4.59 (0.9% above fair value)
Industry Position: 679.9% above the Banks median (#18 of 47)
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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