35.82 USD
-0.31 (-0.86%)
Taking everything into account, TSBK scores 4 out of 10 in our fundamental rating. TSBK was compared to 388 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 has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year TSBK was profitable.
TSBK had a positive operating cash flow in the past year.
TSBK had positive earnings in each of the past 5 years.
Each year in the past 5 years TSBK had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.38%, TSBK belongs to the top of the industry, outperforming 85.05% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.55%, TSBK is in the better half of the industry, outperforming 69.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.38% | ||
| ROE | 10.55% | ||
| 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
1.3 Margins
With an excellent Profit Margin value of 34.03%, TSBK belongs to the best of the industry, outperforming 88.66% of the companies in the same industry.
In the last couple of years the Profit Margin of TSBK has remained more or less at the same level.
TSBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.03% | ||
| 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
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.
The number of shares outstanding for TSBK has been reduced compared to 5 years ago.
TSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.04% over the past year.
The Earnings Per Share has been growing slightly by 4.95% on average over the past years.
TSBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.63%.
The Revenue has been growing slightly by 3.93% on average over the past years.
EPS 1Y (TTM)22.04%
EPS 3Y9.15%
EPS 5Y4.95%
EPS Q2Q%34.17%
Revenue 1Y (TTM)9.63%
Revenue growth 3Y6.44%
Revenue growth 5Y3.93%
Sales Q2Q%15.45%
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.
4. Valuation
4.1 Price/Earnings Ratio
TSBK is valuated reasonably with a Price/Earnings ratio of 9.76.
Compared to the rest of the industry, the Price/Earnings ratio of TSBK indicates a rather cheap valuation: TSBK is cheaper than 84.02% of the companies listed in the same industry.
TSBK is valuated cheaply when we compare the Price/Earnings ratio to 26.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | N/A |
4.2 Price Multiples
TSBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.97
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
TSBK has a Yearly Dividend Yield of 3.10%.
TSBK's Dividend Yield is comparable with the industry average which is at 2.75.
TSBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
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.
The dividend of TSBK decreased recently.
Dividend Growth(5Y)3.64%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
TSBK pays out 29.35% of its income as dividend. This is a sustainable payout ratio.
TSBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP29.35%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:TSBK (12/26/2025, 8:19:12 PM)
35.82
-0.31 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.37%
Inst Owner Change0.62%
Ins Owners1.85%
Ins Owner Change3.63%
Market Cap282.62M
Revenue(TTM)82.55M
Net Income(TTM)27.07M
Analysts0
Price TargetN/A
Short Float %0.53%
Short Ratio2.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
Yearly Dividend1.02
Dividend Growth(5Y)3.64%
DP29.35%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | N/A | ||
| P/S | 3.55 | ||
| P/FCF | 11.19 | ||
| P/OCF | 10.59 | ||
| P/B | 1.1 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.67
EY10.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.2
FCFY8.94%
OCF(TTM)3.38
OCFY9.44%
SpS10.08
BVpS32.53
TBVpS30.46
PEG (NY)N/A
PEG (5Y)1.97
Graham Number51.83
Profitability
| Industry Rank | Sector 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)1.4%
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC15.7%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.04%
EPS 3Y9.15%
EPS 5Y4.95%
EPS Q2Q%34.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.63%
Revenue growth 3Y6.44%
Revenue growth 5Y3.93%
Sales Q2Q%15.45%
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 1Y10.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.43%
OCF growth 3YN/A
OCF growth 5YN/A
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 of TIMBERLAND BANCORP INC (TSBK) stock?
ChartMill assigns a valuation rating of 3 / 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.
Can you provide the PE and PB ratios for TSBK stock?
The Price/Earnings (PE) ratio for TIMBERLAND BANCORP INC (TSBK) is 9.76 and the Price/Book (PB) ratio is 1.1.