36.71 USD
-0.77 (-2.05%)
TSBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. TSBK has only an average score on both its financial health and profitability. TSBK does not seem to be growing, but still is valued expensively.
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.
- Each year in the past 5 years TSBK had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of TSBK (1.45%) is better than 86.42% of its industry peers.
- With a decent Return On Equity value of 11.10%, TSBK is doing good in the industry, outperforming 74.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.45% | ||
| ROE | 11.1% | ||
| 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
- The Profit Margin of TSBK (35.32%) is better than 91.91% of its industry peers.
- TSBK's Profit Margin has been stable in the last couple of years.
- The Operating Margin and Gross Margin are not available for TSBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 35.32% | ||
| 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
2. Health
2.1 Basic Checks
- TSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, TSBK has less shares outstanding
- The number of shares outstanding for TSBK has been reduced compared to 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.
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
WACC16.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- TSBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.03%, which is quite impressive.
- 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.
- Looking at the last year, TSBK shows a quite strong growth in Revenue. The Revenue has grown by 9.63% in the last year.
- TSBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.93% yearly.
EPS 1Y (TTM)22.03%
EPS 3Y9.15%
EPS 5Y4.95%
EPS Q2Q%34.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 10.00 indicates a reasonable valuation of TSBK.
- 83.03% of the companies in the same industry are more expensive than TSBK, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of TSBK to the average of the S&P500 Index (27.21), we can say TSBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSBK indicates a somewhat cheap valuation: TSBK is cheaper than 65.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.02
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- TSBK has a Yearly Dividend Yield of 3.04%.
- Compared to an average industry Dividend Yield of 2.84, TSBK pays a bit more dividend than its industry peers.
- TSBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.04% |
5.2 History
- The dividend of TSBK has a limited annual growth rate of 3.64%.
- 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)3.64%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- TSBK pays out 27.73% 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.
DP27.73%
EPS Next 2YN/A
EPS Next 3YN/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 for 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.
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 and the Price/Book (PB) ratio is 1.1.