Timberland Bancorp (TSBK) AI Stock Analysis

• Market Cap: $292.12M
• Dividend Yield: 2.81%
• Average Volume (3M): 12.88K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.68
• Revenue Growth: 8.17%
• EPS Growth: 21.95%
• Country: US
• Employees: 274
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.07
• Shares Outstanding: 7,880,773
• 10 Day Avg. Volume: 16,407
• 30 Day Avg. Volume: 12,881
• PEG Ratio: 0.00
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.90
• Enterprise Value/Revenue: 2.44
• Enterprise Value/Gross Profit: 3.55
• Enterprise Value/Ebitda: 7.24
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 82 Outperform
• Price Target: $43.00 ▲(24.35% Upside)

Timberland Bancorp's strong financial performance and positive corporate events are the most significant factors driving the high score. The technical analysis supports a bullish outlook, although caution is advised due to overbought signals. The valuation is reasonable, making the stock attractive for both growth and income investors.

Positive Factors

Strong Financial Performance

A significant increase in net income indicates strong financial performance and effective cost management, supporting long-term profitability.

Low Leverage

Minimal leverage reduces financial risk and enhances stability, providing flexibility for future investments and growth opportunities.

Growth Strategy

Expanding branch network and asset growth demonstrate a proactive growth strategy, increasing market presence and customer reach.

Negative Factors

Decline in Free Cash Flow Growth

Declining free cash flow growth can limit reinvestment capabilities and affect long-term financial flexibility, potentially impacting growth.

Gross Profit Margin Decline

A declining gross profit margin may indicate rising costs or pricing pressures, which could affect profitability if not managed effectively.

Leadership Change

Leadership changes can introduce uncertainty and require time for strategic alignment, potentially impacting operational consistency.

Timberland Bancorp Business Overview & Revenue Model

Company Description

Timberland Bancorp (TSBK) is a bank holding company headquartered in Olympia, Washington, primarily engaged in providing a range of financial services through its wholly-owned subsidiary, Timberland Bank. The company operates in the banking sector, offering services including personal and business banking, mortgage lending, and investment services. Timberland Bank serves a diverse customer base across Washington and Oregon, focusing on delivering high-quality financial products and community-oriented services.

How the Company Makes Money

Timberland Bancorp generates revenue primarily through interest income from loans and investments. The company earns interest from a variety of loans, including residential mortgages, commercial real estate loans, and consumer loans. Additionally, Timberland receives fee income from various banking services, such as account maintenance fees, transaction fees, and mortgage origination fees. The bank's investment portfolio, which includes securities, also contributes to its interest income. Significant partnerships with local businesses and real estate developers enhance its lending capabilities and customer reach, further bolstering its revenue streams. Overall, the company's financial health is supported by its emphasis on community banking and personalized customer service.

Timberland Bancorp Financial Statement Overview

Summary

Timberland Bancorp demonstrates strong financial health with consistent revenue growth and solid profitability margins. The balance sheet is particularly strong with low leverage, enhancing financial stability. However, the decline in free cash flow growth and gross profit margin warrants attention to ensure sustained financial performance.

Income Statement

Timberland Bancorp has shown consistent revenue growth over the years, with a recent growth rate of 2.61%. The company maintains strong profitability metrics, with a net profit margin of 25.44% and an EBIT margin of 31.61% in the latest year. However, there is a noticeable decline in gross profit margin over the years, which could indicate rising costs or pricing pressures.

Balance Sheet

The balance sheet is robust, with a very low debt-to-equity ratio of 0.0035, indicating minimal leverage and financial risk. The return on equity stands at 1.50%, which is relatively low, suggesting room for improvement in generating returns for shareholders. The equity ratio is strong, reflecting a solid capital structure.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth, with a significant drop of 51.23% in the latest year. However, the operating cash flow to net income ratio is healthy at 1.82, indicating good cash generation relative to net income. The free cash flow to net income ratio remains stable at 1.0, suggesting efficient cash management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	107.68M	110.49M	101.55M	87.23M	67.33M	68.62M
Gross Profit	74.10M	77.46M	69.71M	73.51M	64.50M	65.63M
EBITDA	36.34M	36.23M	32.98M	36.66M	32.40M	37.46M
Net Income	27.07M	29.16M	24.28M	27.12M	23.60M	27.58M
Balance Sheet
Total Assets	1.96B	2.01B	1.92B	1.84B	1.86B	1.79B
Cash, Cash Equivalents and Short-Term Investments	231.32M	411.56M	247.19M	185.68M	381.06M	671.85M
Total Debt	21.35M	23.08M	21.57M	36.87M	2.07M	7.36M
Total Liabilities	1.70B	1.75B	1.68B	1.61B	1.64B	1.59B
Stockholders Equity	256.66M	262.61M	245.41M	233.07M	218.57M	206.90M
Cash Flow
Free Cash Flow	25.26M	12.32M	21.71M	29.89M	25.59M	28.74M
Operating Cash Flow	26.69M	12.32M	23.02M	31.00M	26.50M	29.64M
Investing Cash Flow	-21.05M	-415.00K	-45.80M	-170.22M	-335.16M	37.45M
Financing Cash Flow	29.07M	-12.18M	58.78M	-48.81M	45.22M	198.66M

Timberland Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 34.58
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 34.58 is above the 20-day moving average (MA) of 34.50, above the 50-day MA of 33.00, and above the 200-day MA of 31.55, indicating a bullish trend. The MACD of 1.02 indicates Negative momentum. The RSI at 74.05 is Negative, neither overbought nor oversold. The STOCH value of 89.71 is Negative, 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	82 Outperform	$292.12M	10.09	11.48%	2.81%	8.17%	21.95%
ISBA	75 Outperform	$317.17M	17.59	8.27%	2.28%	7.29%	33.75%
LNKB	75 Outperform	$289.16M	7.53	13.09%	3.64%	15.66%	―
PKBK	70 Neutral	$287.92M	8.76	11.15%	2.85%	12.91%	21.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	64 Neutral	$265.16M	30.96	2.25%	2.99%	9.90%	―

Timberland Bancorp Corporate Events

Timberland Bancorp Appoints New Chief Credit Officer

Timberland Bancorp, Inc. and its subsidiary, Timberland Bank, announced the mutual agreement to cancel the employment contract of Todd Van Cise, the Chief Credit Officer, effective December 11, 2025, to allow him to pursue other career opportunities. Following his departure, Kevin Sakamoto, with over 30 years of commercial banking experience, has been appointed as the new Chief Credit Officer, effective the same date.

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.