TIMBERLAND BANCORP INC (TSBK)
US8870981011 - Common Stock
TSBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 412 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.
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.
1.2 Ratios
TSBK has a Return On Assets of 1.37%. This is amongst the best in the industry. TSBK outperforms 84.95% of its industry peers.
Looking at the Return On Equity, with a value of 10.91%, TSBK is in the better half of the industry, outperforming 67.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 10.91% | ||
| ROIC | N/A |
ROA(3y)1.43%
ROA(5y)1.55%
ROE(3y)11.92%
ROE(5y)12.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
TSBK's Profit Margin of 33.28% is amongst the best of the industry. TSBK outperforms 86.89% of its industry peers.
TSBK's Profit Margin has been stable in the last couple of years.
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) | 33.28% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.46%
PM growth 5Y1.03%
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.
TSBK has more 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
WACC12.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TSBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.78%.
The Earnings Per Share has been growing by 8.17% on average over the past years. This is quite good.
TSBK shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.
TSBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.03% yearly.
EPS 1Y (TTM)2.78%
EPS 3Y4.51%
EPS 5Y8.17%
EPS growth Q2Q-14.44%
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.31%
Revenue growth 5Y9.03%
Revenue growth Q2Q-8.06%
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
Based on the Price/Earnings ratio of 8.26, the valuation of TSBK can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of TSBK indicates a somewhat cheap valuation: TSBK is cheaper than 71.84% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TSBK to the average of the S&P500 Index (28.28), we can say TSBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.26 | ||
| Fwd PE | N/A |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as TSBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.01
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.69%, TSBK has a reasonable but not impressive dividend return.
TSBK's Dividend Yield is comparable with the industry average which is at 3.78.
TSBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
5.2 History
The dividend of TSBK is nicely growing with an annual growth rate of 11.12%!
TSBK has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
28.93% 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.93%
EPS Next 2YN/A
EPS Next 3YN/A
TIMBERLAND BANCORP INC
NASDAQ:TSBK (5/3/2024, 7:22:56 PM)
After market: 26.1 0 (0%)26.1
+0.09 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap211.93M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.26 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 10.91% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 33.28% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)2.78%
EPS 3Y4.51%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.31%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y