Overview Dividends

(TLF) Tandy Leather Factory - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US87538X1054

Leather, Tools, Hardware, Kits, Machines, Workbenches, Supplies

TLF EPS (Earnings per Share)

EPS Growth (3Y CAGR): -34.69%
EPS Trend (3Y Correlation): 30.2%

TLF Revenue

Revenue Growth (3Y CAGR): -2.50%
Revenue Trend (3Y Correlation): -34.4%

Description: TLF Tandy Leather Factory

Tandy Leather Factory Inc (NASDAQ:TLF) is a specialty retailer of leather and leathercraft supplies, catering to hobbyists, educational institutions, and commercial customers across the United States, Canada, and Spain. The company operates through a multi-channel platform, including physical stores and an e-commerce website, offering a diverse range of products such as leather, tools, hardware, kits, and teaching materials under various brand names.

The companys product portfolio includes a mix of proprietary and manufactured items, such as leather laces, cut leather pieces, and DIY kits, which are sold through its retail channels and direct sales representatives. Additionally, Tandy Leather Factory provides production services, including cutting, splitting, and assembly, to commercial customers. The companys customer base includes hobbyists, schools, camps, businesses, and government agencies, such as the military and first responders.

With a rich history dating back to 1919, Tandy Leather Factory has established itself as a niche player in the retail industry, leveraging its expertise in leather and leathercraft to maintain a loyal customer base. The companys brand portfolio, including Tandy Leather, Eco-Flo, and Craftool, among others, contributes to its market presence.

Analyzing the , the stocks current price is $2.96, with a 20-day SMA of $2.86 and a 50-day SMA of $2.89, indicating a positive short-term trend. However, the 200-day SMA of $3.12 suggests that the stock is still below its long-term trend. The ATR of 0.10 (3.50%) indicates moderate volatility. Given the , the companys Market Cap is $24.77M, with a P/E ratio of 1.94, suggesting a relatively low valuation. The RoE of 22.65% indicates a decent return on equity.

Based on the and , a forecast for TLF could be as follows: With the stock currently trading below its 200-day SMA and a relatively low P/E ratio, there is potential for a rebound. If the company can maintain its RoE and continue to grow its business, the stock may attract investors looking for undervalued opportunities. A potential price target could be $3.50, representing a 18% increase from the current price. However, this forecast is contingent on the companys ability to maintain its financial performance and market trends.

TLF Stock Overview

Market Cap in USD	26m
Sub-Industry	Apparel Retail
IPO / Inception	1993-09-27

TLF Stock Ratings

Growth Rating	18.4%
Fundamental	44.2%
Dividend Rating	32.3%
Return 12m vs S&P 500	-11.2%
Analyst Rating	-

TLF Dividends

Dividend Yield 12m	1.74%
Yield on Cost 5y	2.76%
Annual Growth 5y	%
Payout Consistency	47.7%
Payout Ratio	35.3%

TLF Growth Ratios

Growth Correlation 3m	55.8%
Growth Correlation 12m	16.5%
Growth Correlation 5y	13.1%
CAGR 5y	10.00%
CAGR/Max DD 5y	0.23
Sharpe Ratio 12m	-0.10
Alpha	-2.97
Beta	0.128
Volatility	43.36%
Current Volume	38.3k
Average Volume 20d	6.4k
Stop Loss	2.9 (-5.8%)
Signal	-1.98

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (12.7m TTM) > 0 and > 6% of Revenue (6% = 4.48m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 0.74pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 58.05% (prev 57.21%; Δ 0.84pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.01 (>3.0%) and CFO -525.0k <= Net Income 12.7m (YES >=105%, WARN >=100%)

Net Debt (-5.00m) to EBITDA (3.89m) ratio: -1.29 <= 3.0 (WARN <= 3.5)

Current Ratio 4.89 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (8.49m) change vs 12m ago -0.12% (target <= -2.0% for YES)

Gross Margin 56.48% (prev 54.61%; Δ 1.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 99.96% (prev 103.0%; Δ -3.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM)

Altman Z'' 9.74

(A) 0.57 = (Total Current Assets 54.5m - Total Current Liabilities 11.1m) / Total Assets 76.5m

(B) 0.84 = Retained Earnings (Balance) 64.2m / Total Assets 76.5m

warn (B) unusual magnitude: 0.84 — check mapping/units

(D) 3.23 = Book Value of Equity 62.4m / Total Liabilities 19.3m

Total Rating: 9.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 44.19

1. Piotroski 4.50pt = -0.50

2. FCF Yield 7.44% = 3.72

3. FCF Margin 2.10% = 0.52

4. Debt/Equity 0.20 = 2.48

5. Debt/Ebitda 2.99 = -1.75

6. ROIC - WACC -6.59% = -8.24

7. RoE 22.15% = 1.85

8. Rev. Trend -34.40% = -1.72

9. Rev. CAGR -2.50% = -0.42

10. EPS Trend 30.17% = 0.75

11. EPS CAGR -34.69% = -2.50

What is the price of TLF shares?

As of September 01, 2025, the stock is trading at USD 3.08 with a total of 38,251 shares traded.
Over the past week, the price has changed by -3.75%, over one month by -13.24%, over three months by -0.32% and over the past year by +3.84%.

Is Tandy Leather Factory a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Tandy Leather Factory (NASDAQ:TLF) is currently (September 2025) a stock to sell. It has a ValueRay Fundamental Rating of 44.19 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TLF is around 2.92 USD . This means that TLF is currently overvalued and has a potential downside of -5.19%.

Is TLF a buy, sell or hold?

Tandy Leather Factory has no consensus analysts rating.

What are the forecasts/targets for the TLF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	5.5	78.9%
Analysts Target Price	5.5	78.9%
ValueRay Target Price	3.1	1.9%

Last update: 2025-08-26 02:47

TLF Fundamental Data Overview

Market Cap USD = 25.8m (25.8m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 16.4m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 40.0
P/S = 0.3459
P/B = 0.4511
Beta = 0.56
Revenue TTM = 74.6m USD
EBIT TTM = -1.17m USD
EBITDA TTM = 3.89m USD
Long Term Debt = 8.18m USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 3.45m USD (from shortTermDebt, last quarter)
Debt = 11.6m USD (Calculated: Short Term 3.45m + Long Term 8.18m)
Net Debt = -5.00m USD (from netDebt column, last quarter)
Enterprise Value = 21.0m USD (25.8m + Debt 11.6m - CCE 16.4m)
Interest Coverage Ratio = unknown (Ebit TTM -1.17m / Interest Expense TTM 0.0)
FCF Yield = 7.44% (FCF TTM 1.56m / Enterprise Value 21.0m)
FCF Margin = 2.10% (FCF TTM 1.56m / Revenue TTM 74.6m)
Net Margin = 16.98% (Net Income TTM 12.7m / Revenue TTM 74.6m)
Gross Margin = 56.48% ((Revenue TTM 74.6m - Cost of Revenue TTM 32.5m) / Revenue TTM)
Tobins Q-Ratio = 0.34 (Enterprise Value 21.0m / Book Value Of Equity 62.4m)
Interest Expense / Debt = 0.34% (Interest Expense 39.0k / Debt 11.6m)
Taxrate = 24.20% (from yearly Income Tax Expense: 264.0k / 1.09m)
NOPAT = -1.17m (EBIT -1.17m, no tax applied on loss)
Current Ratio = 4.89 (Total Current Assets 54.5m / Total Current Liabilities 11.1m)
Debt / Equity = 0.20 (Debt 11.6m / last Quarter total Stockholder Equity 57.2m)
Debt / EBITDA = 2.99 (Net Debt -5.00m / EBITDA 3.89m)
Debt / FCF = 7.43 (Debt 11.6m / FCF TTM 1.56m)
Total Stockholder Equity = 57.2m (last 4 quarters mean)
RoA = 16.56% (Net Income 12.7m, Total Assets 76.5m )
RoE = 22.15% (Net Income TTM 12.7m / Total Stockholder Equity 57.2m)
RoCE = -1.79% (Ebit -1.17m / (Equity 57.2m + L.T.Debt 8.18m))
RoIC = -2.04% (NOPAT -1.17m / Invested Capital 57.2m)
WACC = 4.55% (E(25.8m)/V(37.4m) * Re(6.49%)) + (D(11.6m)/V(37.4m) * Rd(0.34%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -10.0 | Cagr: -0.25%
Discount Rate = 6.49% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈1.32m ; Y1≈866.0k ; Y5≈396.0k
Fair Price DCF = 0.96 (DCF Value 7.78m / Shares Outstanding 8.07m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: -34.40 | Revenue CAGR: -2.50%
Rev Growth-of-Growth: 5.60
EPS Correlation: 30.17 | EPS CAGR: -34.69%
EPS Growth-of-Growth: -67.35

Additional Sources for TLF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle