Timberland Bancorp (TSBK) AI Stock Analysis

• Market Cap: $280.35M
• Dividend Yield: 2.86%
• Average Volume (3M): 21.00K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.76
• Revenue Growth: 9.16%
• EPS Growth: 12.12%
• Country: US
• Employees: 274
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.90
• Shares Outstanding: 7,897,239
• 10 Day Avg. Volume: 27,414
• 30 Day Avg. Volume: 21,003
• PEG Ratio: -1.11
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 2.40
• P/FCF Ratio: 11.20
• Enterprise Value/Market Cap: 0.84
• Enterprise Value/Revenue: 2.19
• Enterprise Value/Gross Profit: 3.18
• Enterprise Value/Ebitda: 6.61
• 1Y Price Target: $40.00
• Price Target Upside: 11.98% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 80 Outperform
• Price Target: $40.00 ▲(11.98% Upside)

Timberland Bancorp's strong financial performance and attractive valuation are the primary drivers of its high score. The company's robust profitability, efficient operations, and strategic corporate actions, such as the stock repurchase program, further enhance its investment appeal. However, technical indicators suggest caution due to potential overbought conditions.

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 interest income earned on loans and investment securities. The company's key revenue streams include interest from residential and commercial mortgages, consumer loans, and business loans. Additionally, Timberland Bank earns non-interest income from various fees related to deposit accounts, transaction services, and mortgage origination. The bank's emphasis on building relationships with local businesses and communities helps drive loan growth, while its prudent asset management strategies contribute to stable earnings. Factors such as interest rate fluctuations, economic conditions in the Pacific Northwest, and regulatory changes also play significant roles in influencing the bank's financial performance.

Timberland Bancorp Financial Statement Overview

Summary

Timberland Bancorp exhibits strong financial health with growing revenue, stable profit margins, and robust cash flow. The company's low leverage and effective equity utilization are strengths, while maintaining liquidity should be a focus.

Income Statement

Timberland Bancorp has shown strong revenue growth with a 21.56% increase from 2022 to 2023 and a continued positive trajectory into 2024. The gross profit margin is robust at around 68% to 69%, indicating efficient cost management. The net profit margin has remained stable and healthy, demonstrating consistent profitability. Notably, EBIT and EBITDA margins are strong, which reinforces the company's operational efficiency.

Balance Sheet

The balance sheet is stable with a strong equity position, as seen in the equity ratio of approximately 13% to 14%. The debt-to-equity ratio is low, reflecting prudent financial leverage. Return on equity is solid, indicating effective use of shareholder funds to generate profit. However, the slight decrease in cash and cash equivalents over time suggests a need to monitor liquidity closely.

Cash Flow

Operating cash flow is positive and has shown resilience, supporting the company's net income. The free cash flow is consistently healthy, aligning well with net income and indicating strong cash generation capabilities. The slight fluctuations in investing and financing cash flows should be monitored, although they are not currently a major concern.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	107.68M	101.55M	87.23M	67.33M	68.62M	69.80M
Gross Profit	74.10M	69.71M	73.51M	64.65M	65.52M	61.18M
EBITDA	35.70M	32.98M	36.66M	32.40M	37.46M	33.12M
Net Income	27.07M	24.28M	27.12M	23.60M	27.58M	24.27M
Balance Sheet
Total Assets	1.96B	1.92B	1.84B	1.86B	1.79B	1.57B
Cash, Cash Equivalents and Short-Term Investments	174.10M	247.19M	185.68M	381.06M	671.85M	437.90M
Total Debt	21.35M	21.57M	36.87M	2.07M	7.36M	12.63M
Total Liabilities	1.70B	1.68B	1.61B	1.64B	1.59B	1.38B
Stockholders Equity	256.66M	245.41M	233.07M	218.57M	206.90M	187.63M
Cash Flow
Free Cash Flow	6.32M	21.71M	29.89M	25.59M	28.74M	31.87M
Operating Cash Flow	6.62M	23.02M	31.00M	26.50M	29.64M	33.86M
Investing Cash Flow	-21.05M	-45.80M	-170.22M	-335.16M	37.45M	-154.67M
Financing Cash Flow	29.07M	58.78M	-48.81M	45.22M	198.66M	292.25M

Timberland Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 35.72 is above the 20-day moving average (MA) of 34.43, above the 50-day MA of 33.02, and above the 200-day MA of 30.83, indicating a bullish trend. The MACD of 0.91 indicates Negative momentum. The RSI at 64.82 is Neutral, neither overbought nor oversold. The STOCH value of 49.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSBK.

Timberland Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TSBK	80 Outperform	$280.35M	10.45	10.87%	2.86%	9.16%	12.12%
LNKB	80 Outperform	270.76M	7.19	12.55%	4.08%	39.91%	0.00%
BWFG	76 Outperform	354.93M	17.47	7.37%	1.74%	0.75%	-12.45%
PLBC	73 Outperform	301.02M	8.93	15.06%	2.59%	6.48%	1.42%
FDBC	73 Outperform	258.61M	10.94	10.19%	3.56%	19.27%	49.15%
WSBF	64 Neutral	280.19M	13.22	5.51%	3.92%	1.46%	80.94%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Timberland Bancorp Corporate Events

Timberland Bancorp Reports 20% Net Income Increase

On July 22, 2025, Timberland Bancorp reported a net income increase to $7.10 million for the third fiscal quarter ending June 30, 2025, marking a 20% rise compared to the same quarter the previous year. The company also announced a new stock repurchase program and a quarterly cash dividend, reflecting its strong earnings and capital position. Key financial metrics, including earnings per share and net interest margin, showed significant year-over-year improvements, underscoring Timberland’s solid performance and strategic growth initiatives.