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Timbercreek Financial Corp (TF) investor relations material
Timbercreek Financial Corp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Portfolio expanded 11% year-over-year, with net investment income of $25.2M and distributable income of $0.18 per share, maintaining historical ranges.
Net income for the quarter was $12.4M, down from $15.4M year-over-year.
Significant progress resolving over $80M in Stage 2 and 3 loans, freeing capital for new investments.
Renewal and upsize of the credit facility nearly complete, with improved margin terms to support growth.
Dividend yield remains strong at approximately 9%, with book value per share 18% above Q2's weighted average trading price.
Financial highlights
Q2 net investment income was $25.2M, down from $28.6M in Q1 and $26.4M in Q2 last year.
Distributable income was $14.6M ($0.18/share), compared to $16.3M ($0.20/share) in Q2 last year; payout ratio at 97.8%.
Net mortgage portfolio (excluding syndications) ended at just over $1.1B, up $111M year-over-year.
Weighted average interest rate was 8.6% in Q2, down from 9.8% in Q2 last year.
Dividend yield at the current share price is 8.9%, a 6% premium over the 2-year Canadian bond yield.
Outlook and guidance
Portfolio growth expected to continue, with a target to reach $1.3B supported by the upsized credit facility.
Payout ratio anticipated to average around 95% for the full year.
Ongoing resolution of impaired loans expected, with some assets likely to be sold or resolved by year-end and others into next year.
Commercial real estate conditions remain positive in key segments, supporting portfolio and pipeline growth.
Multi-family residential assets are expected to be resilient against near-term tariff impacts and economic uncertainty.
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Next Timbercreek Financial Corp earnings date
Q3 202530 Oct, 2025
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Q3 202530 Oct, 2025
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Frequently asked questions
Timbercreek Financial Corp. is a non-bank lender that specializes in providing shorter-duration structured financing solutions for commercial real estate investors. The company focuses on lending against income-generating properties such as multi-residential, office, and retail buildings, particularly in urban markets across Canada. These loans typically bridge the gap for investors needing flexible, fast-executing financing, often for purposes such as capital improvements or property acquisitions. The company is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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