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STOCKS

Timberland Bancorp (TSBK)

NASDAQ:TSBK

TSBK

Timberland Bancorp

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Timberland Bancorp (TSBK) Ratios

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156 Followers

Timberland Bancorp Ratios

TSBK's free cash flow for Q4 2025 was $0.71. For the 2025 fiscal year, TSBK's free cash flow was decreased by $ and operating cash flow was $0.35. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.17	0.15	0.12	0.24
Quick Ratio	0.00	0.17	0.15	0.12	0.24
Cash Ratio	0.00	0.15	0.11	0.09	0.21
Solvency Ratio	0.02	0.02	0.02	0.02	0.02
Operating Cash Flow Ratio	0.00	0.02	0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	79.99	0.00	0.00	0.00
Net Current Asset Value	$ -115.02M	$ -1.46B	$ -1.42B	$ -1.42B	$ -1.26B
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.01	0.01	0.02	<0.01
Debt-to-Equity Ratio	0.10	0.09	0.09	0.16	<0.01
Debt-to-Capital Ratio	0.09	0.08	0.08	0.14	<0.01
Long-Term Debt-to-Capital Ratio	0.08	0.07	0.08	0.13	0.00
Financial Leverage Ratio	7.47	7.66	7.84	7.89	8.51
Debt Service Coverage Ratio	1.01	0.98	0.88	2.57	9.89
Interest Coverage Ratio	1.19	1.13	0.99	2.93	11.06
Debt to Market Cap	0.07	0.08	0.08	0.16	0.00
Interest Debt Per Share	7.36	6.97	6.50	5.93	0.57
Net Debt to EBITDA	0.07	-5.88	-4.65	-2.92	-10.42
Profitability Margins
Gross Profit Margin	70.98%	70.10%	68.64%	84.27%	95.80%
EBIT Margin	33.47%	32.79%	29.94%	38.97%	43.91%
EBITDA Margin	35.12%	35.05%	32.48%	42.02%	48.12%
Operating Profit Margin	33.47%	32.79%	29.94%	38.97%	43.91%
Pretax Profit Margin	33.47%	32.79%	29.94%	38.97%	43.91%
Net Profit Margin	26.89%	26.39%	23.91%	31.09%	35.05%
Continuous Operations Profit Margin	26.89%	26.39%	23.91%	31.09%	35.05%
Net Income Per EBT	80.36%	80.49%	79.86%	79.77%	79.83%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.52%	1.45%	1.26%	1.47%	1.27%
Return on Equity (ROE)	11.73%	11.10%	9.89%	11.63%	10.80%
Return on Capital Employed (ROCE)	1.89%	12.57%	11.28%	12.47%	13.23%
Return on Invested Capital (ROIC)	1.83%	10.10%	9.01%	9.95%	10.56%
Return on Tangible Assets	1.53%	1.46%	1.27%	1.49%	1.28%
Earnings Yield	9.77%	11.07%	9.98%	12.24%	10.28%
Efficiency Ratios
Receivables Turnover	0.08	14.95	14.53	14.53	15.02
Payables Turnover	0.00	4.17	5.03	2.15	0.58
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.60	4.49	4.42	3.73	2.82
Asset Turnover	0.06	0.05	0.05	0.05	0.04
Working Capital Turnover Ratio	1.21	-0.08	-0.07	-0.07	-0.06
Cash Conversion Cycle	4.72K	-63.11	-47.51	-144.80	-609.70
Days of Sales Outstanding	4.72K	24.42	25.12	25.12	24.30
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	87.53	72.63	169.92	634.00
Operating Cycle	4.72K	24.42	25.12	25.12	24.30
Cash Flow Ratios
Operating Cash Flow Per Share	3.82	3.81	2.86	3.79	3.19
Free Cash Flow Per Share	3.60	3.59	2.70	3.66	3.08
CapEx Per Share	0.22	0.22	0.16	0.14	0.11
Free Cash Flow to Operating Cash Flow	0.94	0.94	0.94	0.96	0.97
Dividend Paid and CapEx Coverage Ratio	3.07	3.07	2.57	3.31	3.25
Capital Expenditure Coverage Ratio	17.38	17.38	17.59	28.03	29.09
Operating Cash Flow Coverage Ratio	1.16	1.31	1.07	0.84	12.83
Operating Cash Flow to Sales Ratio	0.27	0.27	0.23	0.36	0.39
Free Cash Flow Yield	9.10%	10.79%	8.93%	13.49%	11.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.24	9.04	10.02	8.17	9.73
Price-to-Sales (P/S) Ratio	2.75	2.38	2.40	2.54	3.41
Price-to-Book (P/B) Ratio	1.16	1.00	0.99	0.95	1.05
Price-to-Free Cash Flow (P/FCF) Ratio	10.99	9.27	11.20	7.41	8.97
Price-to-Operating Cash Flow Ratio	10.36	8.74	10.57	7.15	8.66
Price-to-Earnings Growth (PEG) Ratio	2.09	0.41	-1.11	0.48	-0.69
Price-to-Fair Value	1.16	1.00	0.99	0.95	1.05
Enterprise Value Multiple	7.91	0.93	2.73	3.12	-3.33
Enterprise Value	315.09M	35.92M	89.90M	114.53M	-107.98M
EV to EBITDA	7.91	0.93	2.73	3.12	-3.33
EV to Sales	2.78	0.33	0.89	1.31	-1.60
EV to Free Cash Flow	11.09	1.26	4.14	3.83	-4.22
EV to Operating Cash Flow	10.45	1.19	3.91	3.69	-4.07
Tangible Book Value Per Share	32.09	31.12	28.42	26.31	24.02
Shareholders’ Equity Per Share	34.04	33.17	30.53	28.51	26.32
Tax and Other Ratios
Effective Tax Rate	0.20	0.20	0.20	0.20	0.20
Revenue Per Share	14.39	13.96	12.63	10.67	8.11
Net Income Per Share	3.87	3.68	3.02	3.32	2.84
Tax Burden	0.80	0.80	0.80	0.80	0.80
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.17	0.22	0.24	0.28	0.32
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.03	1.03	0.95	1.14	1.12

Currency in USD