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TIMBERLAND BANCORP INC (TSBK) Stock Fundamental Analysis

USA - NASDAQ:TSBK - US8870981011 - Common Stock

32.46 USD
-0.46 (-1.4%)
Last: 10/2/2025, 8:00:01 PM
32.46 USD
0 (0%)
After Hours: 10/2/2025, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, TSBK scores 4 out of 10 in our fundamental rating. TSBK was compared to 392 industry peers in the Banks industry. Both the profitability and the financial health of TSBK get a neutral evaluation. Nothing too spectacular is happening here. TSBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year TSBK was profitable.
In the past year TSBK had a positive cash flow from operations.
Each year in the past 5 years TSBK has been profitable.
In the past 5 years TSBK always reported a positive cash flow from operatings.
TSBK Yearly Net Income VS EBIT VS OCF VS FCFTSBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.38%, TSBK belongs to the top of the industry, outperforming 86.73% of the companies in the same industry.
With a decent Return On Equity value of 10.55%, TSBK is doing good in the industry, outperforming 73.21% of the companies in the same industry.
Industry RankSector Rank
ROA 1.38%
ROE 10.55%
ROIC N/A
ROA(3y)1.33%
ROA(5y)1.42%
ROE(3y)10.78%
ROE(5y)11.72%
ROIC(3y)N/A
ROIC(5y)N/A
TSBK Yearly ROA, ROE, ROICTSBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

TSBK has a Profit Margin of 34.03%. This is amongst the best in the industry. TSBK outperforms 89.80% of its industry peers.
In the last couple of years the Profit Margin of TSBK has declined.
The Operating Margin and Gross Margin are not available for TSBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 34.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.9%
PM growth 5Y-2.54%
GM growth 3YN/A
GM growth 5YN/A
TSBK Yearly Profit, Operating, Gross MarginsTSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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5

2. Health

2.1 Basic Checks

TSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
TSBK has less shares outstanding than it did 1 year ago.
TSBK has less shares outstanding than it did 5 years ago.
There is no outstanding debt for TSBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TSBK Yearly Shares OutstandingTSBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
TSBK Yearly Total Debt VS Total AssetsTSBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

There is no outstanding debt for TSBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.32%
TSBK Yearly LT Debt VS Equity VS FCFTSBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TSBK Yearly Current Assets VS Current LiabilitesTSBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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2

3. Growth

3.1 Past

TSBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.27%, which is quite good.
TSBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.14% yearly.
TSBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.24%.
Measured over the past years, TSBK shows a small growth in Revenue. The Revenue has been growing by 2.83% on average per year.
EPS 1Y (TTM)12.27%
EPS 3Y-2.78%
EPS 5Y1.14%
EPS Q2Q%21.63%
Revenue 1Y (TTM)5.24%
Revenue growth 3Y2.95%
Revenue growth 5Y2.83%
Sales Q2Q%9.2%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
TSBK Yearly Revenue VS EstimatesTSBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
TSBK Yearly EPS VS EstimatesTSBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 0.2 0.4 0.6

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.55 indicates a reasonable valuation of TSBK.
TSBK's Price/Earnings ratio is rather cheap when compared to the industry. TSBK is cheaper than 83.16% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.86, TSBK is valued rather cheaply.
Industry RankSector Rank
PE 9.55
Fwd PE N/A
TSBK Price Earnings VS Forward Price EarningsTSBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSBK indicates a somewhat cheap valuation: TSBK is cheaper than 64.80% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.15
EV/EBITDA N/A
TSBK Per share dataTSBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)8.4
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

TSBK has a Yearly Dividend Yield of 3.02%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.52, TSBK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, TSBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.02%

5.2 History

The dividend of TSBK has a limited annual growth rate of 2.84%.
TSBK has been paying a dividend for at least 10 years, so it has a reliable track record.
TSBK has decreased its dividend recently.
Dividend Growth(5Y)2.84%
Div Incr Years1
Div Non Decr Years1
TSBK Yearly Dividends per shareTSBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

29.35% of the earnings are spent on dividend by TSBK. This is a low number and sustainable payout ratio.
The dividend of TSBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.35%
EPS Next 2YN/A
EPS Next 3YN/A
TSBK Yearly Income VS Free CF VS DividendTSBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
TSBK Dividend Payout.TSBK Dividend Payout, showing the Payout Ratio.TSBK Dividend Payout.PayoutRetained Earnings

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TIMBERLAND BANCORP INC

NASDAQ:TSBK (10/2/2025, 8:00:01 PM)

After market: 32.46 0 (0%)

32.46

-0.46 (-1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29
Earnings (Next)10-29 2025-10-29
Inst Owners67.11%
Inst Owner Change3.06%
Ins Owners1.68%
Ins Owner Change3.87%
Market Cap256.43M
Analysts0
Price TargetN/A
Short Float %0.55%
Short Ratio2
Dividend
Industry RankSector Rank
Dividend Yield 3.02%
Yearly Dividend0.95
Dividend Growth(5Y)2.84%
DP29.35%
Div Incr Years1
Div Non Decr Years1
Ex-Date08-08 2025-08-08 (0.26)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.55
Fwd PE N/A
P/S 3.22
P/FCF 10.15
P/OCF 9.61
P/B 1
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)3.4
EY10.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.2
FCFY9.85%
OCF(TTM)3.38
OCFY10.41%
SpS10.07
BVpS32.49
TBVpS30.42
PEG (NY)N/A
PEG (5Y)8.4
Profitability
Industry RankSector Rank
ROA 1.38%
ROE 10.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.03%
GM N/A
FCFM 31.75%
ROA(3y)1.33%
ROA(5y)1.42%
ROE(3y)10.78%
ROE(5y)11.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.9%
PM growth 5Y-2.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 57.68%
Cap/Sales 1.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.32%
ROIC/WACCN/A
Cap/Depr(3y)41.44%
Cap/Depr(5y)44.97%
Cap/Sales(3y)1.49%
Cap/Sales(5y)1.74%
Profit Quality(3y)102.69%
Profit Quality(5y)108.72%
High Growth Momentum
Growth
EPS 1Y (TTM)12.27%
EPS 3Y-2.78%
EPS 5Y1.14%
EPS Q2Q%21.63%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.24%
Revenue growth 3Y2.95%
Revenue growth 5Y2.83%
Sales Q2Q%9.2%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.3%
FCF growth 3Y-8.93%
FCF growth 5Y6.35%
OCF growth 1Y-14.83%
OCF growth 3Y-8.08%
OCF growth 5Y4.91%