TIMBERLAND BANCORP INC (TSBK) Stock Fundamental Analysis

NASDAQ:TSBK • US8870981011

37.92 USD
-1.11 (-2.84%)
At close: Feb 23, 2026
37.92 USD
0 (0%)
After Hours: 2/23/2026, 8:19:07 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, TSBK scores 4 out of 10 in our fundamental rating. TSBK was compared to 379 industry peers in the Banks industry. TSBK has only an average score on both its financial health and profitability. TSBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • TSBK had positive earnings in the past year.
  • TSBK had a positive operating cash flow in the past year.
  • Each year in the past 5 years TSBK has been profitable.
  • TSBK had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • TSBK has a better Return On Assets (1.45%) than 86.81% of its industry peers.
  • The Return On Equity of TSBK (11.10%) is better than 73.88% of its industry peers.
Industry RankSector Rank
ROA 1.45%
ROE 11.1%
ROIC N/A
ROA(3y)1.4%
ROA(5y)1.4%
ROE(3y)10.88%
ROE(5y)11.35%
ROIC(3y)N/A
ROIC(5y)N/A
TSBK Yearly ROA, ROE, ROICTSBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • TSBK has a Profit Margin of 35.32%. This is amongst the best in the industry. TSBK outperforms 91.56% of its industry peers.
  • In the last couple of years the Profit Margin of TSBK has remained more or less at the same level.
  • 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) 35.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.81%
PM growth 5Y-0.19%
GM growth 3YN/A
GM growth 5YN/A
TSBK Yearly Profit, Operating, Gross MarginsTSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • TSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for TSBK has been reduced compared to 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
TSBK Yearly Total Debt VS Total AssetsTSBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • TSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC16.28%
TSBK Yearly LT Debt VS Equity VS FCFTSBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 36.21%, which is quite impressive.
  • TSBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.07%.
EPS 1Y (TTM)36.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%20.93%
Revenue 1Y (TTM)11.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.37%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 48.00, which means the current valuation is very expensive for TSBK.
  • TSBK's Price/Earnings ratio is rather expensive when compared to the industry. TSBK is more expensive than 88.39% of the companies in the same industry.
  • TSBK's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.64.
Industry RankSector Rank
PE 48
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 65.17% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.51
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)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • TSBK has a Yearly Dividend Yield of 2.95%.
  • Compared to an average industry Dividend Yield of 2.74, TSBK has a dividend in line with its industry peers.
  • TSBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.95%

5.2 History

  • The dividend of TSBK has a limited annual growth rate of 3.64%.
  • TSBK has paid a dividend for at least 10 years, which is a reliable track record.
  • TSBK has decreased its dividend recently.
Dividend Growth(5Y)3.64%
Div Incr Years1
Div Non Decr Years1
TSBK Yearly Dividends per shareTSBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 27.73% of the earnings are spent on dividend by TSBK. This is a low number and sustainable payout ratio.
DP27.73%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
TSBK Dividend Payout.TSBK Dividend Payout, showing the Payout Ratio.TSBK Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

TIMBERLAND BANCORP INC

NASDAQ:TSBK (2/23/2026, 8:19:07 PM)

After market: 37.92 0 (0%)

37.92

-1.11 (-2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners67.45%
Inst Owner Change1.73%
Ins Owners1.83%
Ins Owner Change3.21%
Market Cap298.81M
Revenue(TTM)84.60M
Net Income(TTM)29.16M
Analysts0
Price TargetN/A
Short Float %0.39%
Short Ratio1.56
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend1.02
Dividend Growth(5Y)3.64%
DP27.73%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
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 48
Fwd PE N/A
P/S 3.62
P/FCF 10.51
P/OCF 9.91
P/B 1.14
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)0.79
EY2.08%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.61
FCFY9.51%
OCF(TTM)3.83
OCFY10.09%
SpS10.48
BVpS33.33
TBVpS31.27
PEG (NY)N/A
PEG (5Y)N/A
Graham Number24.34
Profitability
Industry RankSector Rank
ROA 1.45%
ROE 11.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.32%
GM N/A
FCFM 34.43%
ROA(3y)1.4%
ROA(5y)1.4%
ROE(3y)10.88%
ROE(5y)11.35%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.81%
PM growth 5Y-0.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 69.57%
Cap/Sales 2.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.28%
ROIC/WACCN/A
Cap/Depr(3y)53.95%
Cap/Depr(5y)44.72%
Cap/Sales(3y)1.74%
Cap/Sales(5y)1.57%
Profit Quality(3y)99.03%
Profit Quality(5y)101.95%
High Growth Momentum
Growth
EPS 1Y (TTM)36.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%20.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.07%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%10.37%
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 1Y30.92%
FCF growth 3Y3.56%
FCF growth 5Y-2.26%
OCF growth 1Y31.01%
OCF growth 3Y4.4%
OCF growth 5Y-2.29%

TIMBERLAND BANCORP INC / TSBK FAQ

What is the ChartMill fundamental rating of TIMBERLAND BANCORP INC (TSBK) stock?

ChartMill assigns a fundamental rating of 4 / 10 to TSBK.


What is the valuation status for TSBK stock?

ChartMill assigns a valuation rating of 1 / 10 to TIMBERLAND BANCORP INC (TSBK). This can be considered as Overvalued.


What is the profitability of TSBK stock?

TIMBERLAND BANCORP INC (TSBK) has a profitability rating of 4 / 10.


What is the valuation of TIMBERLAND BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TIMBERLAND BANCORP INC (TSBK) is 48 and the Price/Book (PB) ratio is 1.14.