TIMBERLAND BANCORP INC (TSBK) Stock Fundamental Analysis
USA - NASDAQ:TSBK - US8870981011 - Common Stock
34.22 USD
+0.94 (+2.82%)
Overall TSBK gets a fundamental rating of 4 out of 10. We evaluated TSBK against 388 industry peers in the Banks industry. TSBK has an average financial health and profitability rating. 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.
In the past year TSBK had a positive cash flow from operations.
TSBK had positive earnings in each of the past 5 years.
TSBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of TSBK (1.38%) is better than 85.82% of its industry peers.
TSBK has a Return On Equity of 10.55%. This is in the better half of the industry: TSBK outperforms 70.62% of its industry peers.
| 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 88.92% 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.
Compared to 1 year ago, TSBK has less shares outstanding
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TSBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.04%, which is quite impressive.
Measured over the past 5 years, TSBK shows a small growth in Earnings Per Share. The EPS has been growing by 4.95% on average per year.
TSBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.63%.
Measured over the past years, TSBK shows a small growth in Revenue. The Revenue has been growing by 3.93% on average per year.
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
A Price/Earnings ratio of 9.32 indicates a reasonable valuation of TSBK.
Based on the Price/Earnings ratio, TSBK is valued cheaply inside the industry as 82.99% of the companies are valued more expensively.
TSBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.07.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.32 | ||
| Fwd PE | N/A |
4.2 Price Multiples
TSBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.88
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
TSBK has a Yearly Dividend Yield of 3.33%.
Compared to an average industry Dividend Yield of 3.39, TSBK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, TSBK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
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
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 earnings are growing more, so the dividend growth is sustainable.
DP29.35%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:TSBK (11/21/2025, 3:17:55 PM)
34.22
+0.94 (+2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.11%
Inst Owner Change0.62%
Ins Owners1.68%
Ins Owner Change5.31%
Market Cap270.34M
Revenue(TTM)82.55M
Net Income(TTM)27.07M
Analysts0
Price TargetN/A
Short Float %0.45%
Short Ratio1.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
Yearly Dividend0.95
Dividend Growth(5Y)2.84%
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 | 9.32 | ||
| Fwd PE | N/A | ||
| P/S | 3.4 | ||
| P/FCF | 10.7 | ||
| P/OCF | 10.13 | ||
| P/B | 1.05 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.67
EY10.72%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.2
FCFY9.34%
OCF(TTM)3.38
OCFY9.87%
SpS10.07
BVpS32.49
TBVpS30.42
PEG (NY)N/A
PEG (5Y)1.88
Graham Number51.8
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
WACC16.16%
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 9.32 and the Price/Book (PB) ratio is 1.05.