Timberland Bancorp (TSBK) AI Stock Analysis

• Market Cap: $239.09M
• Dividend Yield: 3.3%
• Average Volume (3M): 9.60K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.74
• Revenue Growth: 12.28%
• EPS Growth: 5.73%
• Country: US
• Employees: 274
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.85
• Shares Outstanding: 7,901,280
• 10 Day Avg. Volume: 7,820
• 30 Day Avg. Volume: 9,599
• PEG Ratio: 2.09
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 18.16
• Enterprise Value/Market Cap: 1.11
• Enterprise Value/Revenue: 0.89
• Enterprise Value/Gross Profit: 3.26
• Enterprise Value/Ebitda: 2.13
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: ―

Timberland Bancorp's overall score reflects its strong financial performance, characterized by robust profitability and balance sheet stability. The technical analysis indicates a neutral market sentiment, while the attractive valuation enhances the stock's investment appeal. Although the absence of new earnings call data limits insights into future guidance, the company's recent strong earnings report and dividend increase bolster its position.

Timberland Bancorp Business Overview & Revenue Model

Company Description

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate, construction, custom and owner/builder construction, speculative one- to four-family construction, commercial construction, multi-family construction, land development construction, and land development loans. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans; and automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans, as well as commercial business loans. As of September 30, 2021, the company operated 24 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington; and operated 25 proprietary automated teller machines. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.

How the Company Makes Money

Timberland Bancorp generates revenue primarily through the interest income from its loan portfolio and investments. The company earns interest by lending funds to consumers and businesses, including mortgages, commercial loans, and consumer loans, and investing in securities. Non-interest income is another significant source of revenue, coming from fees and service charges related to deposit accounts, loan origination, and other banking services. The bank's profitability is influenced by factors such as interest rate fluctuations, economic conditions, and its ability to manage credit risk. Timberland Bancorp may also engage in partnerships and strategic initiatives to expand its market reach and service offerings, although specific partnerships are not detailed here.

Timberland Bancorp Financial Statement Overview

Summary

Timberland Bancorp exhibits robust financial health with strong profitability and efficiency metrics, low leverage, and effective cash management. While revenue growth shows some volatility, the company maintains solid margins and a stable equity position. The negative free cash flow growth rate warrants attention, but overall, the financial position remains sound.

Income Statement

Timberland Bancorp shows a stable gross profit margin with a recent TTM (Trailing-Twelve-Months) result of 100%. The company's net profit margin for TTM is approximately 30.55%, indicating strong profitability. Revenue growth rate is moderate, with a 9.44% increase from 2022 to 2023 and a slight decline in 2024. EBIT and EBITDA margins also reflect healthy operational efficiency, though there was a slight drop in EBIT compared to previous periods.

Balance Sheet

The company maintains a solid equity base with an equity ratio of approximately 13.05% for TTM, reflecting financial stability. The debt-to-equity ratio is very low at about 0.60%, indicating minimal leverage and low financial risk. Return on equity (ROE) for TTM is robust at approximately 9.97%, showcasing effective use of shareholder funds despite slight fluctuations in the past.

Cash Flow

The cash flow analysis reveals a consistent operating cash flow to net income ratio of approximately 0.72 for TTM, indicating strong cash generation relative to net income. Free cash flow growth rate is negative for TTM, reflecting recent challenges in cash generation. However, the free cash flow to net income ratio remains healthy at around 0.68, demonstrating effective cash management.

Breakdown
TTM	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement		Total Revenue
81.31M	70.89M	75.64M	64.65M	65.52M	65.10M
	Gross Profit
81.31M	70.89M	75.64M	64.65M	65.52M	65.10M
	EBIT
23.51M	30.39M	33.99M	34.76M	40.21M	37.42M
	EBITDA
24.50M	0.00	35.65M	31.25M	36.35M	32.19M
	Net Income Common Stockholders
24.85M	24.28M	27.12M	23.60M	27.58M	24.27M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
180.35M	0.00	185.68M	381.06M	671.85M	437.90M
	Total Assets
1.91B	1.92B	1.84B	1.86B	1.79B	1.57B
	Total Debt
21.72M	21.57M	36.87M	2.07M	7.36M	12.63M
	Net Debt
-169.83M	-153.36M	-107.04M	-337.58M	-601.32M	-367.37M
	Total Liabilities
1.66B	1.68B	36.87M	1.64B	1.59B	1.38B
	Stockholders Equity
238.68M	245.41M	233.07M	218.57M	206.90M	187.63M
Cash Flow		Free Cash Flow
13.42M	21.71M	29.89M	25.59M	28.74M	31.87M
	Operating Cash Flow
15.31M	23.02M	31.00M	26.50M	29.64M	33.86M
	Investing Cash Flow
872.00K	-45.80M	-170.22M	-335.16M	37.45M	-154.67M
	Financing Cash Flow
-10.13M	58.78M	-48.81M	45.22M	198.66M	292.25M

Timberland Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 30.15
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSBK, the sentiment is Neutral. The current price of 30.15 is below the 20-day moving average (MA) of 30.93, below the 50-day MA of 30.16, and above the 200-day MA of 30.09, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 47.15 is Neutral, neither overbought nor oversold. The STOCH value of 40.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TSBK.

Timberland Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TSBK	77 Outperform	$239.09M	9.31	10.54%	3.30%	12.28%	5.73%
PLBC	76 Outperform	$251.28M	8.58	16.93%	2.69%	10.64%	3.48%
LNKB	71 Outperform	$255.34M	7.08	12.74%	4.39%	77.09%	―
BWFG	67 Neutral	$276.59M	22.35	4.48%	2.29%	-0.04%	-58.45%
Sector *	64 Neutral	$12.77B	9.77	7.59%	16985.66%	12.31%	-7.69%
FDBC	61 Neutral	$237.97M	10.98	10.77%	3.83%	18.68%	32.74%
WSBF	60 Neutral	$249.51M	12.99	5.50%	4.59%	5.89%	96.63%

Timberland Bancorp Corporate Events

Timberland Bancorp Reports Strong Q2 2025 Earnings

Timberland Bancorp reported a net income of $6.76 million for the second fiscal quarter ending March 31, 2025, with earnings per share increasing by 21% compared to the same quarter last year. The company’s net interest margin improved to 3.79%, and it announced a 4% increase in the quarterly cash dividend, marking the 50th consecutive quarter of dividend payments. Despite a slight decrease in net income and earnings per share from the previous quarter, Timberland demonstrated strong financial performance with improved profitability metrics and a growing loan portfolio. The bank’s balance sheet showed modest growth, with total deposits and assets both increasing by 1%.

Spark’s Take on TSBK Stock

According to Spark, TipRanks’ AI Analyst, TSBK is a Outperform.

Timberland Bancorp demonstrates strong financial performance, particularly in profitability and balance sheet stability, which significantly contributes to its overall score. The technical indicators suggest a neutral market sentiment, with no strong upward or downward momentum. Valuation is attractive due to a low P/E ratio and a solid dividend yield, enhancing the investment appeal. The absence of new earnings call data or significant corporate events places more emphasis on the financial and technical aspects in the score calculation.

To see Spark’s full report on TSBK stock, click here.