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Timberland Bancorp (TSBK)
NASDAQ:TSBK
US Market

Timberland Bancorp (TSBK) AI Stock Analysis

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Timberland Bancorp

(NASDAQ:TSBK)

Rating:77Outperform
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 (TSBK) vs. SPDR S&P 500 ETF (SPY)

Timberland Bancorp Business Overview & Revenue Model

Company DescriptionTimberland 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 MoneyTimberland 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
78
Positive
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
81
Very Positive
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
75
Positive
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
TTMSep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income StatementTotal Revenue
81.31M70.89M75.64M64.65M65.52M65.10M
Gross Profit
81.31M70.89M75.64M64.65M65.52M65.10M
EBIT
23.51M30.39M33.99M34.76M40.21M37.42M
EBITDA
24.50M0.0035.65M31.25M36.35M32.19M
Net Income Common Stockholders
24.85M24.28M27.12M23.60M27.58M24.27M
Balance SheetCash, Cash Equivalents and Short-Term Investments
180.35M0.00185.68M381.06M671.85M437.90M
Total Assets
1.91B1.92B1.84B1.86B1.79B1.57B
Total Debt
21.72M21.57M36.87M2.07M7.36M12.63M
Net Debt
-169.83M-153.36M-107.04M-337.58M-601.32M-367.37M
Total Liabilities
1.66B1.68B36.87M1.64B1.59B1.38B
Stockholders Equity
238.68M245.41M233.07M218.57M206.90M187.63M
Cash FlowFree Cash Flow
13.42M21.71M29.89M25.59M28.74M31.87M
Operating Cash Flow
15.31M23.02M31.00M26.50M29.64M33.86M
Investing Cash Flow
872.00K-45.80M-170.22M-335.16M37.45M-154.67M
Financing Cash Flow
-10.13M58.78M-48.81M45.22M198.66M292.25M

Timberland Bancorp Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price30.15
Price Trends
50DMA
30.16
Positive
100DMA
29.98
Positive
200DMA
30.09
Positive
Market Momentum
MACD
0.01
Positive
RSI
47.15
Neutral
STOCH
40.55
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 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 1 New Risks
1.
Current and future uses of Artificial Intelligence ("AI") and other emerging technologies may create additional risks. Q4, 2024

Timberland Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
$239.09M9.3110.54%3.30%12.28%5.73%
76
Outperform
$251.28M8.5816.93%2.69%10.64%3.48%
71
Outperform
$255.34M7.0812.74%4.39%77.09%
67
Neutral
$276.59M22.354.48%2.29%-0.04%-58.45%
64
Neutral
$12.77B9.777.59%16985.66%12.31%-7.69%
61
Neutral
$237.97M10.9810.77%3.83%18.68%32.74%
60
Neutral
$249.51M12.995.50%4.59%5.89%96.63%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
TSBK
Timberland Bancorp
30.15
6.03
25.00%
PLBC
Plumas Bancorp
42.39
8.40
24.71%
WSBF
Waterstone Financial
13.16
1.44
12.29%
BWFG
Bankwell Financial Group
35.01
11.60
49.55%
FDBC
Fidelity D & D Bancorp
40.87
-3.11
-7.07%
LNKB
LINKBANCORP
6.83
0.70
11.42%

Timberland Bancorp Corporate Events

DividendsFinancial Disclosures
Timberland Bancorp Reports Strong Q2 2025 Earnings
Positive
Apr 24, 2025

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.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.