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Timberland (TSBK)
NASDAQ:TSBK
US Market

Timberland Bancorp (TSBK) Ratios

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Timberland Bancorp Ratios

TSBK's free cash flow for Q3 2025 was $0.69. For the 2025 fiscal year, TSBK's free cash flow was decreased by $ and operating cash flow was $0.32. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
33.72 60.68 0.15 196.60 78.57
Quick Ratio
33.72 60.68 0.15 350.47 148.70
Cash Ratio
36.96 26.87 0.11 147.60 69.22
Solvency Ratio
0.02 0.02 0.02 0.78 0.02
Operating Cash Flow Ratio
3.94 1.82 0.01 31.79 5.40
Short-Term Operating Cash Flow Coverage
70.80 32.68 68.51 31.79 0.00
Net Current Asset Value
$ -1.52B$ -1.34B$ -1.42B$ 154.82M$ -1.26B
Leverage Ratios
Debt-to-Assets Ratio
0.01 0.01 0.01 0.02 <0.01
Debt-to-Equity Ratio
0.09 0.09 0.09 0.16 <0.01
Debt-to-Capital Ratio
0.08 0.08 0.08 0.14 <0.01
Long-Term Debt-to-Capital Ratio
0.07 0.07 0.08 0.13 0.00
Financial Leverage Ratio
7.66 7.66 7.84 7.89 8.51
Debt Service Coverage Ratio
0.96 0.90 0.87 2.29 9.46
Interest Coverage Ratio
1.13 1.13 0.99 2.93 13.00
Debt to Market Cap
0.07 0.08 0.08 0.16 0.00
Interest Debt Per Share
7.00 6.97 6.50 5.93 0.57
Net Debt to EBITDA
-5.98 -4.39 -4.65 -3.00 -10.80
Profitability Margins
Gross Profit Margin
70.10%70.10%68.64%100.00%100.00%
EBIT Margin
32.76%32.79%29.93%44.94%45.72%
EBITDA Margin
34.46%32.79%32.48%47.13%48.33%
Operating Profit Margin
32.76%32.79%29.93%44.94%53.76%
Pretax Profit Margin
32.79%32.79%29.94%44.94%45.72%
Net Profit Margin
26.39%26.39%23.91%35.85%36.50%
Continuous Operations Profit Margin
26.39%26.39%23.91%35.85%36.50%
Net Income Per EBT
80.49%80.49%79.86%79.77%79.83%
EBT Per EBIT
100.08%100.00%100.05%100.00%85.05%
Return on Assets (ROA)
1.45%1.45%1.26%1.47%1.27%
Return on Equity (ROE)
11.42%11.10%9.89%11.63%10.80%
Return on Capital Employed (ROCE)
1.80%1.81%11.28%1.85%1.87%
Return on Invested Capital (ROIC)
1.50%1.37%9.00%4.94%3.77%
Return on Tangible Assets
1.46%1.46%1.27%1.49%1.28%
Earnings Yield
10.18%11.07%9.98%12.24%10.28%
Efficiency Ratios
Receivables Turnover
14.95 14.95 14.53 0.00 14.42
Payables Turnover
4.17 4.17 5.03 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 4.42 3.23 2.71
Asset Turnover
0.05 0.05 0.05 0.04 0.03
Working Capital Turnover Ratio
-0.18 -0.22 -0.07 0.26 0.07
Cash Conversion Cycle
-63.11 -63.11 -47.51 0.00 25.31
Days of Sales Outstanding
24.42 24.42 25.12 0.00 25.31
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
87.53 87.53 72.63 0.00 0.00
Operating Cycle
24.42 24.42 25.12 0.00 25.31
Cash Flow Ratios
Operating Cash Flow Per Share
3.39 1.56 2.86 3.79 3.19
Free Cash Flow Per Share
3.21 1.56 2.70 3.66 3.08
CapEx Per Share
0.18 0.22 0.16 0.14 0.11
Free Cash Flow to Operating Cash Flow
0.95 1.00 0.94 0.96 0.97
Dividend Paid and CapEx Coverage Ratio
2.85 1.25 2.57 3.31 3.25
Capital Expenditure Coverage Ratio
18.61 7.10 17.59 28.03 29.09
Operating Cash Flow Coverage Ratio
1.16 0.53 1.07 0.84 12.83
Operating Cash Flow to Sales Ratio
0.24 0.11 0.23 0.41 0.41
Free Cash Flow Yield
8.80%4.68%8.93%13.49%11.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.83 9.04 10.02 8.17 9.73
Price-to-Sales (P/S) Ratio
2.60 2.38 2.40 2.93 3.55
Price-to-Book (P/B) Ratio
1.09 1.00 0.99 0.95 1.05
Price-to-Free Cash Flow (P/FCF) Ratio
11.37 21.39 11.20 7.41 8.97
Price-to-Operating Cash Flow Ratio
10.73 21.39 10.57 7.15 8.66
Price-to-Earnings Growth (PEG) Ratio
1.24 0.41 -1.11 0.48 -0.69
Price-to-Fair Value
1.09 1.00 0.99 0.95 1.05
Enterprise Value Multiple
1.56 2.88 2.73 3.21 -3.46
Enterprise Value
59.58M 104.32M 89.90M 114.52M -107.98M
EV to EBITDA
1.56 2.88 2.73 3.21 -3.46
EV to Sales
0.54 0.94 0.89 1.51 -1.67
EV to Free Cash Flow
2.36 8.47 4.14 3.83 -4.22
EV to Operating Cash Flow
2.23 8.47 3.91 3.69 -4.07
Tangible Book Value Per Share
31.37 31.22 28.42 218.34 24.02
Shareholders’ Equity Per Share
33.33 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
14.02 13.96 12.63 9.25 7.79
Net Income Per Share
3.70 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
0.22 0.22 0.24 0.32 0.38
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
0.46 0.42 0.95 1.14 1.12
Currency in USD