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TIMBERLAND BANCORP INC (TSBK) Stock Fundamental Analysis

NASDAQ:TSBK - Nasdaq - US8870981011 - Common Stock - Currency: USD

30.18  -0.69 (-2.24%)

After market: 30.18 0 (0%)

Fundamental Rating

4

Taking everything into account, TSBK scores 4 out of 10 in our fundamental rating. TSBK was compared to 395 industry peers in the Banks industry. TSBK has an average financial health and profitability rating. TSBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

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.
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

TSBK's Return On Assets of 1.34% is amongst the best of the industry. TSBK outperforms 85.10% of its industry peers.
TSBK has a better Return On Equity (10.25%) than 69.19% of its industry peers.
Industry RankSector Rank
ROA 1.34%
ROE 10.25%
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 33.28%. This is amongst the best in the industry. TSBK outperforms 88.64% of its industry peers.
In the last couple of years the Profit Margin of TSBK has declined.
TSBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 33.28%
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.
The number of shares outstanding for TSBK has been reduced compared to 1 year ago.
Compared to 5 years ago, TSBK has less shares outstanding
TSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

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
WACC17.1%
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

The Earnings Per Share has been growing slightly by 5.85% over the past year.
Measured over the past 5 years, TSBK shows a small growth in Earnings Per Share. The EPS has been growing by 1.14% on average per year.
The Revenue has been growing slightly by 1.97% in the past year.
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)5.85%
EPS 3Y-2.78%
EPS 5Y1.14%
EPS Q2Q%20.6%
Revenue 1Y (TTM)1.97%
Revenue growth 3Y2.95%
Revenue growth 5Y2.83%
Sales Q2Q%9.04%

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

Based on the Price/Earnings ratio of 9.31, the valuation of TSBK can be described as reasonable.
Based on the Price/Earnings ratio, TSBK is valued cheaply inside the industry as 81.57% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.32. TSBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.31
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

The rest of the industry has a similar Price/Free Cash Flow ratio as TSBK.
Industry RankSector Rank
P/FCF 10.78
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)8.19
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.37%, TSBK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.46, TSBK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, TSBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.37%

5.2 History

The dividend of TSBK has a limited annual growth rate of 2.84%.
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)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

TSBK pays out 30.18% of its income as dividend. This is a sustainable payout ratio.
TSBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP30.18%
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 (6/13/2025, 8:00:01 PM)

After market: 30.18 0 (0%)

30.18

-0.69 (-2.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29
Earnings (Next)07-21 2025-07-21
Inst Owners65.11%
Inst Owner Change-0.37%
Ins Owners1.68%
Ins Owner Change1.01%
Market Cap238.42M
Analysts0
Price TargetN/A
Short Float %0.44%
Short Ratio2.93
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly Dividend0.95
Dividend Growth(5Y)2.84%
DP30.18%
Div Incr Years1
Div Non Decr Years1
Ex-Date05-09 2025-05-09 (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 9.31
Fwd PE N/A
P/S 3.06
P/FCF 10.78
P/OCF 10.21
P/B 0.94
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)3.24
EY10.74%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.8
FCFY9.28%
OCF(TTM)2.95
OCFY9.79%
SpS9.85
BVpS31.97
TBVpS29.87
PEG (NY)N/A
PEG (5Y)8.19
Profitability
Industry RankSector Rank
ROA 1.34%
ROE 10.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.28%
GM N/A
FCFM 28.43%
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 48.33%
Cap/Sales 1.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 85.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.1%
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)5.85%
EPS 3Y-2.78%
EPS 5Y1.14%
EPS Q2Q%20.6%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.97%
Revenue growth 3Y2.95%
Revenue growth 5Y2.83%
Sales Q2Q%9.04%
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-29.17%
FCF growth 3Y-8.93%
FCF growth 5Y6.35%
OCF growth 1Y-28.06%
OCF growth 3Y-8.08%
OCF growth 5Y4.91%