Timberland Bancorp (TSBK)
NASDAQ:TSBK
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Timberland Bancorp
(NASDAQ:TSBK)
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Rating:78Outperform
Price Target:
$47.00
▲(35.92% Upside)
Action:Reiterated
Date:05/10/26
The score is driven primarily by solid fundamentals (strong profitability and conservative leverage, tempered by cash-flow volatility and some margin normalization). Technicals add support via a clear uptrend and positive MACD, while valuation is a meaningful positive with a low P/E and a moderate dividend yield.
Positive Factors
Conservative leverage and solid capital ratios
Very low debt-to-equity and steady mid-teens-to-low-double-digit ROE provide durable balance-sheet resilience. Conservative leverage gives the bank capacity to absorb loan losses, fund growth, and maintain dividends or buybacks without needing rapid external capital.
Negative Factors
Volatile cash flow generation
Large swings in free cash flow and a sizable year-over-year decline reduce predictability of internal funding for loan growth, dividends and buybacks. Over months this can force greater reliance on deposit growth or wholesale funding, constraining strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and solid capital ratios
Very low debt-to-equity and steady mid-teens-to-low-double-digit ROE provide durable balance-sheet resilience. Conservative leverage gives the bank capacity to absorb loan losses, fund growth, and maintain dividends or buybacks without needing rapid external capital.
Read all positive factors
Timberland Bancorp (TSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$314.37M
Dividend Yield2.91%
Average Volume (3M)15.23K
Price to Earnings (P/E)10.9
Beta (1Y)0.66
Revenue Growth6.73%
EPS Growth20.50%
CountryUS
Employees274
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.92
Shares Outstanding7,827,953
10 Day Avg. Volume22,084
30 Day Avg. Volume15,231
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)1.00
Price to Sales (P/S)2.38
P/FCF Ratio9.27
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue2.71
Enterprise Value/Gross Profit3.80
Enterprise Value/Ebitda7.90
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 acc...
How the Company Makes Money
Timberland Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating fee-based, noninterest income. (1) Net interest income: The core revenue stream is the spread between interest earned on loans an...
Timberland Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
86
Very Positive
Cash Flow
69
Positive
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 115.67M | 110.49M | 101.55M | 87.23M | 67.33M | 68.62M |
| Gross Profit | 82.41M | 77.46M | 69.71M | 73.51M | 64.50M | 65.63M |
| EBITDA | 39.64M | 38.73M | 32.98M | 36.66M | 32.40M | 37.46M |
| Net Income | 30.89M | 29.16M | 24.28M | 27.12M | 23.60M | 27.58M |
Balance Sheet | ||||||
| Total Assets | 2.05B | 2.01B | 1.92B | 1.84B | 1.86B | 1.79B |
| Cash, Cash Equivalents and Short-Term Investments | 24.16M | 281.89M | 247.19M | 185.68M | 381.06M | 671.85M |
| Total Debt | 22.94M | 23.08M | 21.57M | 36.87M | 2.07M | 7.36M |
| Total Liabilities | 1.78B | 1.75B | 1.68B | 1.61B | 1.64B | 1.59B |
| Stockholders Equity | 271.09M | 262.61M | 245.41M | 233.07M | 218.57M | 206.90M |
Cash Flow | ||||||
| Free Cash Flow | 31.86M | 28.42M | 21.71M | 29.89M | 25.59M | 28.74M |
| Operating Cash Flow | 33.87M | 30.16M | 23.02M | 31.00M | 26.50M | 29.64M |
| Investing Cash Flow | -9.53M | -8.25M | -45.80M | -170.22M | -335.16M | 37.45M |
| Financing Cash Flow | 79.12M | 56.79M | 58.78M | -48.81M | 45.22M | 198.66M |
Timberland Bancorp Technical Analysis
Positive
34.58
Price Trends
39.96
Positive
38.66
Positive
35.87
Positive
Market Momentum
-0.01
Negative
50.43
Neutral
70.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSBK, the sentiment is Positive. The current price of 34.58 is below the 20-day moving average (MA) of 40.19, below the 50-day MA of 39.96, and below the 200-day MA of 35.87, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 50.43 is Neutral, neither overbought nor oversold. The STOCH value of 70.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSBK.
Timberland Bancorp Risk Analysis
Timberland Bancorp disclosed 30 risk factors in its most recent earnings report. Timberland Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Timberland Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $369.41M | 7.02 | 13.00% | 2.84% | 11.79% | 45.64% | |
78 Outperform | $314.37M | 10.89 | 11.67% | 2.91% | 6.73% | 20.50% | |
76 Outperform | $312.47M | 12.08 | 10.66% | ― | 4.33% | -5.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $354.98M | 11.20 | 11.47% | 3.06% | 9.62% | 1059.18% | |
65 Neutral | $315.59M | 16.79 | 8.74% | 2.13% | 8.94% | 37.42% |
* Financial Sector Average
TSBK
Timberland Bancorp
40.16
10.84
36.97%
PKBK
Parke Bancorp
31.49
12.74
67.97%
FRST
Primis Financial
14.33
5.35
59.52%
COSO
CoastalSouth Bancshares
25.68
5.24
25.65%
ISBA
Isabella Bank
43.04
16.02
59.28%
Timberland Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Timberland Bancorp Posts Solid Q2 Results, Raises Dividend
Positive
Apr 30, 2026
Timberland Bancorp reported solid results for its second fiscal quarter ended March 31, 2026, with net income rising 6% year over year to $7.13 million, or $0.90 per diluted share, though earnings fell 13% from the prior quarter on higher credit l...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.