Timberland Bancorp (TSBK) AI Stock Analysis

• Market Cap: $253.66M
• Dividend Yield: 3.18%
• Average Volume (3M): 15.07K
• Price to Earnings (P/E): 9.5
• 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): 1.07
• Shares Outstanding: 7,897,239
• 10 Day Avg. Volume: 10,510
• 30 Day Avg. Volume: 15,074
• 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: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $36.00 ▲(12.01% Upside)

Timberland Bancorp's strong financial performance, characterized by robust profitability and efficient operations, is the primary driver of its score. The stock's valuation is attractive, with a low P/E ratio and a solid dividend yield. However, technical indicators suggest a lack of strong momentum, which slightly tempers the overall score.

Timberland Bancorp Business Overview & Revenue Model

Company Description

Timberland Bancorp, Inc. is a bank holding company headquartered in Olympia, Washington, primarily engaged in providing financial services through its wholly-owned subsidiary, Timberland Bank. The bank operates in the Pacific Northwest and offers a range of products and services including personal and commercial banking, mortgage lending, and investment services. The company serves both retail and business clients, focusing on community banking and customer-centric solutions.

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 demonstrates strong profitability and efficient operations, with stable margins and prudent debt management. While revenue growth is modest, the company maintains a solid financial position. The significant drop in free cash flow growth warrants attention, but overall, the financial health remains sound with effective cash flow management.

Income Statement

Timberland Bancorp shows strong profitability with a consistent gross profit margin around 68.8% in TTM. The net profit margin improved to 25.1% in TTM, indicating efficient cost management. Revenue growth is modest at 1.5% in TTM, but the company maintains solid EBIT and EBITDA margins at 31.4% and 33.2% respectively, reflecting operational efficiency.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.08 in TTM, indicating prudent leverage management. Return on equity is healthy at 10.8%, showcasing effective use of equity capital. The equity ratio stands at 13.1%, suggesting a stable financial structure with room for leveraging if needed.

Cash Flow

Cash flow analysis reveals a significant decline in free cash flow growth by 71.5% in TTM, which could be a concern. However, the operating cash flow to net income ratio is strong at 4.9, indicating good cash generation relative to net income. The free cash flow to net income ratio is also robust at 95.5%, suggesting efficient cash utilization.

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	36.34M	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	25.26M	21.71M	29.89M	25.59M	28.74M	31.87M
Operating Cash Flow	26.69M	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: 32.14
• 50DMA: Negative
• 100DMA: Negative
• 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 32.14 is above the 20-day moving average (MA) of 31.94, below the 50-day MA of 33.34, and above the 200-day MA of 31.15, indicating a neutral trend. The MACD of -0.42 indicates Negative momentum. The RSI at 47.65 is Neutral, neither overbought nor oversold. The STOCH value of 32.36 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
LNKB	―	$262.15M	6.96	13.09%	4.30%	15.66%	―
TSBK	―	$253.66M	9.46	10.87%	3.18%	9.16%	12.12%
ISBA	―	$264.07M	16.41	8.27%	3.13%	7.29%	33.63%
PKBK	―	$256.02M	7.62	11.15%	3.33%	12.91%	21.72%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	―	$268.24M	31.32	2.25%	3.74%	9.78%	―

Timberland Bancorp Corporate Events

Timberland Bancorp Reports 20% Net Income Increase

On October 30, 2025, Timberland Bancorp reported a 20% increase in net income to $29.16 million for the fiscal year ending September 30, 2025, compared to the previous year. The company also announced an 8% increase in its quarterly cash dividend and plans to open a new branch in University Place, reflecting its strong financial performance and growth strategy. The company’s quarterly net interest margin rose to 3.82%, and total assets surpassed $2 billion for the first time, highlighting its robust balance sheet and effective asset-liability management.

The most recent analyst rating on (TSBK) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Timberland Bancorp stock, see the TSBK Stock Forecast page.