TIMBERLAND BANCORP INC (TSBK) Fundamental Analysis & Valuation

NASDAQ:TSBK • US8870981011

Current stock price

39.61 USD
+0.23 (+0.58%)
Last:

This TSBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TSBK Profitability Analysis

1.1 Basic Checks

  • TSBK had positive earnings in the past year.
  • TSBK had a positive operating cash flow in the past year.
  • Each year in the past 5 years TSBK has been profitable.
  • Each year in the past 5 years TSBK had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • TSBK's Return On Assets of 1.52% is amongst the best of the industry. TSBK outperforms 87.89% of its industry peers.
  • The Return On Equity of TSBK (11.37%) is better than 73.95% of its industry peers.
Industry RankSector Rank
ROA 1.52%
ROE 11.37%
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
TSBK Yearly ROA, ROE, ROICTSBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • With an excellent Profit Margin value of 36.07%, TSBK belongs to the best of the industry, outperforming 91.58% 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 RankSector Rank
OM N/A
PM (TTM) 36.07%
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
TSBK Yearly Profit, Operating, Gross MarginsTSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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5

2. TSBK Health Analysis

2.1 Basic Checks

  • TSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TSBK has less shares outstanding than it did 1 year ago.
  • TSBK has less shares outstanding than it did 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.
TSBK Yearly Shares OutstandingTSBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
TSBK Yearly Total Debt VS Total AssetsTSBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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
WACC16.26%
TSBK Yearly LT Debt VS Equity VS FCFTSBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TSBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.42% 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 4.95% on average per year.
  • The Revenue has grown by 11.07% in the past year. This is quite good.
  • 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)24.42%
EPS 3Y9.15%
EPS 5Y4.95%
EPS Q2Q%20.93%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y6.44%
Revenue growth 5Y3.93%
Sales Q2Q%10.37%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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4

4. TSBK Valuation Analysis

4.1 Price/Earnings Ratio

  • TSBK is valuated reasonably with a Price/Earnings ratio of 10.29.
  • TSBK's Price/Earnings ratio is a bit cheaper when compared to the industry. TSBK is cheaper than 73.16% of the companies in the same industry.
  • TSBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.50.
Industry RankSector Rank
PE 10.29
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 ratio is rather cheap when compared to the industry. TSBK is cheaper than 80.26% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.31
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)2.08
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. TSBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.02%, TSBK has a reasonable but not impressive dividend return.
  • TSBK's Dividend Yield is comparable with the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, TSBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.02%

5.2 History

  • The dividend of TSBK has a limited annual growth rate of 3.64%.
  • TSBK has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of TSBK decreased recently.
Dividend Growth(5Y)3.64%
Div Incr Years1
Div Non Decr Years1
TSBK Yearly Dividends per shareTSBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • TSBK pays out 27.19% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of TSBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.19%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
TSBK Dividend Payout.TSBK Dividend Payout, showing the Payout Ratio.TSBK Dividend Payout.PayoutRetained Earnings

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TSBK Fundamentals: All Metrics, Ratios and Statistics

TIMBERLAND BANCORP INC

NASDAQ:TSBK (3/25/2026, 12:38:57 PM)

39.61

+0.23 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners67.11%
Inst Owner Change1.72%
Ins Owners1.88%
Ins Owner Change3.21%
Market Cap312.13M
Revenue(TTM)84.60M
Net Income(TTM)30.52M
Analysts0
Price TargetN/A
Short Float %0.43%
Short Ratio1.61
Dividend
Industry RankSector Rank
Dividend Yield 3.02%
Yearly Dividend1.02
Dividend Growth(5Y)3.64%
DP27.19%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
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 10.29
Fwd PE N/A
P/S 3.69
P/FCF 8.31
P/OCF 7.94
P/B 1.16
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)3.85
EY9.72%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.77
FCFY12.03%
OCF(TTM)4.99
OCFY12.59%
SpS10.74
BVpS34.06
TBVpS32.03
PEG (NY)N/A
PEG (5Y)2.08
Graham Number54.32
Profitability
Industry RankSector Rank
ROA 1.52%
ROE 11.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.07%
GM N/A
FCFM 44.4%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 70.95%
Cap/Sales 2.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 123.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.26%
ROIC/WACCN/A
Cap/Depr(3y)53.95%
Cap/Depr(5y)44.72%
Cap/Sales(3y)1.74%
Cap/Sales(5y)1.57%
Profit Quality(3y)99.03%
Profit Quality(5y)101.95%
High Growth Momentum
Growth
EPS 1Y (TTM)24.42%
EPS 3Y9.15%
EPS 5Y4.95%
EPS Q2Q%20.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.07%
Revenue growth 3Y6.44%
Revenue growth 5Y3.93%
Sales Q2Q%10.37%
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 1Y49.18%
FCF growth 3Y3.56%
FCF growth 5Y-2.26%
OCF growth 1Y48.61%
OCF growth 3Y4.4%
OCF growth 5Y-2.29%

TIMBERLAND BANCORP INC / TSBK Fundamental Analysis 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 for TSBK stock?

ChartMill assigns a valuation rating of 4 / 10 to TIMBERLAND BANCORP INC (TSBK). This can be considered as Fairly Valued.


What is the profitability of TSBK stock?

TIMBERLAND BANCORP INC (TSBK) has a profitability rating of 4 / 10.


What is the valuation of TIMBERLAND BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TIMBERLAND BANCORP INC (TSBK) is 10.29 and the Price/Book (PB) ratio is 1.16.