Want to see TSBK full AI Analyst Report?
Top Page
Timberland Bancorp
(NASDAQ:TSBK)
Select Model
Select Model
Rating:78Outperform
Price Target:
$51.00
â–²(16.44% Upside)
Action:Reiterated
Date:07/30/26
The score is driven primarily by strong financial performance (profitability, conservative leverage, and steady ROE) and a clearly positive price trend versus key moving averages. Valuation is supportive with a modest P/E and a solid dividend yield, while the main risk tempering the score is cash flow volatility; recent corporate actions (dividend raise and buybacks) add a positive offset.
Positive Factors
Conservative leverage / strong balance sheet
Very low TTM debt-to-equity (~0.08) and rising equity signal a conservatively levered balance sheet. This provides resilience to credit stress, supports regulatory capital buffers, and preserves capacity to fund loan growth and dividends over the next several quarters.
Negative Factors
Volatile cash generation
A roughly 50% decline in TTM free cash flow and weaker operating cash flow indicate inconsistent cash conversion despite accounting profits. Persistent cash volatility can constrain lending capacity, reserve-building and steady capital returns during tighter funding or credit cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage / strong balance sheet
Very low TTM debt-to-equity (~0.08) and rising equity signal a conservatively levered balance sheet. This provides resilience to credit stress, supports regulatory capital buffers, and preserves capacity to fund loan growth and dividends over the next several quarters.
Read all positive factors
Timberland Bancorp (TSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$350.93M
Dividend Yield2.5%
Average Volume (3M)15.23K
Price to Earnings (P/E)11.2
Beta (1Y)0.66
Revenue Growth6.43%
EPS Growth17.50%
CountryUS
Employees271
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.01
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 | 109.63M | 110.49M | 101.55M | 87.23M | 67.33M | 68.62M |
| Gross Profit | 84.74M | 77.46M | 69.71M | 73.51M | 64.50M | 65.63M |
| EBITDA | 40.91M | 38.73M | 32.98M | 36.66M | 32.40M | 37.46M |
| Net Income | 31.51M | 29.16M | 24.28M | 27.12M | 23.60M | 27.58M |
Balance Sheet | ||||||
| Total Assets | 2.06B | 2.01B | 1.92B | 1.84B | 1.86B | 1.79B |
| Cash, Cash Equivalents and Short-Term Investments | 32.80M | 281.89M | 247.19M | 185.68M | 381.06M | 671.85M |
| Total Debt | 14.32M | 23.08M | 21.57M | 36.87M | 2.07M | 7.36M |
| Total Liabilities | 1.79B | 1.75B | 1.68B | 1.61B | 1.64B | 1.59B |
| Stockholders Equity | 273.21M | 262.61M | 245.41M | 233.07M | 218.57M | 206.90M |
Cash Flow | ||||||
| Free Cash Flow | 18.98M | 28.42M | 21.71M | 29.89M | 25.59M | 28.74M |
| Operating Cash Flow | 20.56M | 30.16M | 23.02M | 31.00M | 26.50M | 29.64M |
| Investing Cash Flow | 17.04M | -8.25M | -45.80M | -170.22M | -335.16M | 37.45M |
| Financing Cash Flow | 63.45M | 56.79M | 58.78M | -48.81M | 45.22M | 198.66M |
Timberland Bancorp Technical Analysis
Positive
43.80
Price Trends
43.13
Positive
41.52
Positive
38.44
Positive
Market Momentum
0.51
Negative
60.10
Neutral
84.21
Negative
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 43.8 is below the 20-day moving average (MA) of 44.00, above the 50-day MA of 43.13, and above the 200-day MA of 38.44, indicating a bullish trend. The MACD of 0.51 indicates Negative momentum. The RSI at 60.10 is Neutral, neither overbought nor oversold. The STOCH value of 84.21 is Negative, 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 | $350.93M | 11.18 | 11.72% | 2.55% | 6.43% | 17.50% | |
76 Outperform | $400.61M | 8.78 | 13.87% | 2.23% | 10.63% | 49.94% | |
75 Outperform | $331.81M | 11.81 | 10.57% | 0.37% | 5.31% | -4.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $398.56M | 7.42 | 12.24% | 3.06% | 13.04% | 1682.10% | |
64 Neutral | $291.18M | 14.60 | 8.48% | 2.86% | 11.11% | 24.27% |
* Financial Sector Average
TSBK
Timberland Bancorp
45.07
14.70
48.42%
PKBK
Parke Bancorp
34.22
14.09
70.02%
FRST
Primis Financial
16.40
5.70
53.33%
COSO
CoastalSouth Bancshares
27.28
7.44
37.50%
ISBA
Isabella Bank
40.60
8.66
27.12%
Timberland Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Timberland Bancorp Posts Strong Q3 Earnings, Raises Dividend
Positive
Jul 29, 2026
For the fiscal third quarter ended June 30, 2026, Timberland Bancorp reported net income of $7.72 million, or $0.98 per diluted share, up 9% from a year earlier and 8% from the prior quarter. Earnings for the first nine months of fiscal 2026 rose ...
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.