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TIMBERLAND BANCORP INC (TSBK) Stock Fundamental Analysis

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

32.85  +0.45 (+1.39%)

Fundamental Rating

4

TSBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. TSBK has an average financial health and profitability rating. 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

TSBK had positive earnings in the past year.
TSBK had a positive operating cash flow in the past year.
In the past 5 years TSBK has always 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

TSBK's Return On Assets of 1.34% is amongst the best of the industry. TSBK outperforms 85.50% of its industry peers.
The Return On Equity of TSBK (10.25%) is better than 69.97% 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

Looking at the Profit Margin, with a value of 33.28%, TSBK belongs to the top of the industry, outperforming 89.06% of the companies in the same industry.
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) 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
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
WACC16.42%
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.
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.
TSBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.24%.
TSBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.83% yearly.
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

The Price/Earnings ratio is 9.66, which indicates a very decent valuation of TSBK.
Based on the Price/Earnings ratio, TSBK is valued cheaper than 83.46% of the companies in the same industry.
TSBK is valuated cheaply when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.66
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

TSBK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.7
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)8.5
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 3.13%.
Compared to an average industry Dividend Yield of 3.41, TSBK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, TSBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.13%

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.
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

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 (8/20/2025, 8:00:01 PM)

32.85

+0.45 (+1.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29
Earnings (Next)10-29 2025-10-29
Inst Owners65.29%
Inst Owner Change3.06%
Ins Owners1.69%
Ins Owner Change1.57%
Market Cap258.86M
Analysts0
Price TargetN/A
Short Float %0.41%
Short Ratio2.2
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend0.95
Dividend Growth(5Y)2.84%
DP30.18%
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 9.66
Fwd PE N/A
P/S 3.33
P/FCF 11.7
P/OCF 11.09
P/B 1.03
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)3.4
EY10.35%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.81
FCFY8.55%
OCF(TTM)2.96
OCFY9.02%
SpS9.88
BVpS32.05
TBVpS29.95
PEG (NY)N/A
PEG (5Y)8.5
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
WACC16.42%
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-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%