Want to see TSBK full AI Analyst Report?
Top Page
Timberland Bancorp
(NASDAQ:TSBK)
Select Model
Select Model
Rating:78Outperform
Price Target:
$52.00
▲(50.38% 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
Profitability / ROE
A consistent ~11.7% TTM ROE indicates the bank earns durable returns on equity from core lending and fee activities. Sustained ROE supports internal capital generation, dividend capacity and cushions against cyclical earnings swings, underpinning long-term shareholder value.
Negative Factors
Cash-flow volatility
A ~50% TTM decline in free cash flow versus prior periods signals inconsistent cash conversion, which can limit self-funding of loan growth or capital actions. Persistent volatility may force greater reliance on deposits or capital markets, reducing strategic flexibility over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability / ROE
A consistent ~11.7% TTM ROE indicates the bank earns durable returns on equity from core lending and fee activities. Sustained ROE supports internal capital generation, dividend capacity and cushions against cyclical earnings swings, underpinning long-term shareholder value.
Read all positive factors
Timberland Bancorp (TSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$339.11M
Dividend Yield2.91%
Average Volume (3M)15.23K
Price to Earnings (P/E)11.0
Beta (1Y)0.63
Revenue Growth6.73%
EPS Growth20.50%
CountryUS
Employees279
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 Cap0.97
Enterprise Value/Revenue2.83
Enterprise Value/Gross Profit3.97
Enterprise Value/Ebitda8.03
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 traditional banking activities conducted by Timberland Bank. The largest driver of earnings is typically net interest income: the bank earns interest and fees on loans (such as commercial real estat...
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 | 40.77M | 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 | 29.32M | 28.42M | 21.71M | 29.89M | 25.59M | 28.74M |
| Operating Cash Flow | 31.34M | 30.16M | 23.02M | 31.00M | 26.50M | 29.64M |
| Investing Cash Flow | -7.00M | -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
41.72
Positive
40.50
Positive
37.37
Positive
Market Momentum
0.69
Positive
51.73
Neutral
17.78
Positive
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 43.55, below the 50-day MA of 41.72, and below the 200-day MA of 37.37, indicating a neutral trend. The MACD of 0.69 indicates Positive momentum. The RSI at 51.73 is Neutral, neither overbought nor oversold. The STOCH value of 17.78 is Positive, 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 | $339.11M | 10.98 | 11.67% | 2.91% | 6.73% | 20.50% | |
76 Outperform | $381.61M | 9.21 | 13.00% | 2.84% | 11.79% | 45.64% | |
76 Outperform | $320.01M | 11.68 | 10.66% | ― | 4.33% | -5.10% | |
69 Neutral | $390.10M | 8.38 | 11.47% | 3.06% | 9.62% | 1059.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $286.34M | 14.45 | 8.74% | 2.13% | 8.94% | 37.42% |
* Financial Sector Average
TSBK
Timberland Bancorp
43.06
11.83
37.88%
PKBK
Parke Bancorp
32.75
12.32
60.31%
FRST
Primis Financial
15.74
4.93
45.58%
COSO
CoastalSouth Bancshares
26.42
5.14
24.13%
ISBA
Isabella Bank
39.12
9.24
30.95%
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.