TSBK Fundamental Analysis - TIMBERLAND BANCORP INC

Fundamental Rating

Overall TSBK gets a fundamental rating of 4 out of 10. We evaluated TSBK against 385 industry peers in the Banks industry. Both the profitability and the financial health of TSBK get a neutral evaluation. Nothing too spectacular is happening here. TSBK does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

TSBK had positive earnings in the past year.

In the past year TSBK had a positive cash flow from operations.

TSBK had positive earnings in each of the past 5 years.

Of the past 5 years TSBK 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of TSBK (1.38%) is better than 85.45% of its industry peers.

TSBK has a better Return On Equity (10.55%) than 69.87% 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

Looking at the Profit Margin, with a value of 34.03%, TSBK belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.

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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

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

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC15.44%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 22.04% over the past year.

The Earnings Per Share has been growing slightly by 4.95% on average over the past years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.32 indicates a reasonable valuation of TSBK.

Compared to the rest of the industry, the Price/Earnings ratio of TSBK indicates a rather cheap valuation: TSBK is cheaper than 82.60% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of TSBK to the average of the S&P500 Index (26.22), we can say TSBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.32
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSBK is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	11.84
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.09

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.00%, TSBK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 2.70, TSBK has a dividend in line with its industry peers.

TSBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.

		Industry Rank	Sector Rank
Dividend Yield	3%

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

5.3 Sustainability

TSBK pays out 29.35% 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.

DP29.35%

EPS Next 2YN/A

EPS Next 3YN/A

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TIMBERLAND BANCORP INC

NASDAQ:TSBK (12/18/2025, 4:10:09 PM)

After market: 37.74 -0.15 (-0.4%)

37.89

+0.44 (+1.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-03 2025-11-03

Earnings (Next)01-26 2026-01-26

Inst Owners67.37%

Inst Owner Change0.62%

Ins Owners1.85%

Ins Owner Change3.78%

Market Cap298.95M

Revenue(TTM)82.55M

Net Income(TTM)27.07M

Analysts0

Price TargetN/A

Short Float %0.53%

Short Ratio2.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3%

Yearly Dividend0.95

Dividend Growth(5Y)2.84%

DP29.35%

Div Incr Years1

Div Non Decr Years1

Ex-Date11-14 2025-11-14 (0.28)

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	10.32
Fwd PE	N/A
P/S	3.76
P/FCF	11.84
P/OCF	11.2
P/B	1.16
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)3.67

EY9.69%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)3.2

FCFY8.45%

OCF(TTM)3.38

OCFY8.93%

SpS10.08

BVpS32.53

TBVpS30.46

PEG (NY)N/A

PEG (5Y)2.09

Graham Number51.83

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

WACC15.44%

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 10.32 and the Price/Book (PB) ratio is 1.16.

TIMBERLAND BANCORP INC (TSBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

TIMBERLAND BANCORP INC / TSBK FAQ

What is the ChartMill fundamental rating of TIMBERLAND BANCORP INC (TSBK) stock?

What is the valuation status of TIMBERLAND BANCORP INC (TSBK) stock?

What is the profitability of TSBK stock?

Can you provide the PE and PB ratios for TSBK stock?