Timberland Bancorp (TSBK)
NASDAQ:TSBK
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Timberland Bancorp
(NASDAQ:TSBK)
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Rating:82Outperform
Price Target:
$46.00
▲(33.02% Upside)
Action:ReiteratedDate:02/07/26
The score is driven primarily by healthy financial fundamentals (strong margins, conservative leverage, and positive free cash flow) and supportive technicals (price above key moving averages with positive MACD). An attractive valuation (low P/E with a decent dividend) further boosts the score, while the main caution is the step-down in margins versus prior years and near-overbought momentum signals.
Positive Factors
High Profitability
Sustained high net and EBIT margins provide durable earnings power for a regional bank, supporting internal capital generation, dividend capacity and reinvestment into lending. Margin levels create a structural buffer against cyclical revenue swings and support long-term return on equity.
Negative Factors
Margin Moderation
The recent step-down in margins versus earlier peak years signals reduced profitability headroom, likely reflecting funding cost or rate-cycle pressure. Persistently lower margins would compress net income growth and reduce excess capital available for lending or shareholder returns over months.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained high net and EBIT margins provide durable earnings power for a regional bank, supporting internal capital generation, dividend capacity and reinvestment into lending. Margin levels create a structural buffer against cyclical revenue swings and support long-term return on equity.
Read all positive factors
Timberland Bancorp (TSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$342.02M
Dividend Yield2.91%
Average Volume (3M)15.23K
Price to Earnings (P/E)8.6
Beta (1Y)0.69
Revenue Growth8.17%
EPS Growth21.95%
CountryUS
Employees274
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.04
Shares Outstanding7,884,326
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 Cap1.01
Enterprise Value/Revenue3.04
Enterprise Value/Gross Profit4.28
Enterprise Value/Ebitda8.65
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 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 Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
75
Positive
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 113.47M | 110.49M | 101.55M | 87.23M | 67.33M | 68.62M |
| Gross Profit | 80.54M | 77.46M | 69.71M | 73.51M | 64.50M | 65.63M |
| EBITDA | 39.85M | 38.73M | 32.98M | 36.66M | 32.40M | 37.46M |
| Net Income | 30.52M | 29.16M | 24.28M | 27.12M | 23.60M | 27.58M |
Balance Sheet | ||||||
| Total Assets | 2.01B | 2.01B | 1.92B | 1.84B | 1.86B | 1.79B |
| Cash, Cash Equivalents and Short-Term Investments | 156.44M | 281.89M | 247.19M | 185.68M | 381.06M | 671.85M |
| Total Debt | 26.03M | 23.08M | 21.57M | 36.87M | 2.07M | 7.36M |
| Total Liabilities | 1.74B | 1.75B | 1.68B | 1.61B | 1.64B | 1.59B |
| Stockholders Equity | 268.41M | 262.61M | 245.41M | 233.07M | 218.57M | 206.90M |
Cash Flow | ||||||
| Free Cash Flow | 40.09M | 28.42M | 21.71M | 29.89M | 25.59M | 28.74M |
| Operating Cash Flow | 41.83M | 30.16M | 23.02M | 31.00M | 26.50M | 29.64M |
| Investing Cash Flow | -20.68M | -8.25M | -45.80M | -170.22M | -335.16M | 37.45M |
| Financing Cash Flow | 61.65M | 56.79M | 58.78M | -48.81M | 45.22M | 198.66M |
Timberland Bancorp Technical Analysis
Positive
34.58
Price Trends
38.99
Positive
37.15
Positive
34.68
Positive
Market Momentum
0.99
Negative
80.47
Negative
86.80
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 below the 20-day moving average (MA) of 39.53, below the 50-day MA of 38.99, and below the 200-day MA of 34.68, indicating a bullish trend. The MACD of 0.99 indicates Negative momentum. The RSI at 80.47 is Negative, neither overbought nor oversold. The STOCH value of 86.80 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $342.02M | 8.59 | 11.73% | 2.91% | 8.17% | 21.95% | |
74 Outperform | $349.58M | 7.77 | 12.02% | 2.84% | 12.91% | 21.72% | |
72 Outperform | $339.75M | 10.76 | 10.81% | ― | ― | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $332.34M | 9.19 | 11.13% | 3.61% | 15.66% | ― | |
62 Neutral | $346.53M | 5.58 | 15.78% | 3.06% | 9.90% | ― | |
57 Neutral | $364.23M | 19.51 | 8.45% | 2.13% | 7.29% | 33.75% |
* Financial Sector Average
TSBK
Timberland Bancorp
43.38
15.55
55.87%
PKBK
Parke Bancorp
29.80
12.84
75.68%
FRST
Primis Financial
14.03
6.31
81.85%
COSO
CoastalSouth Bancshares
25.94
5.51
26.95%
ISBA
Isabella Bank
49.69
26.46
113.90%
LNKB
LINKBANCORP
8.87
2.75
44.86%
Timberland Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Timberland Bancorp Shareholders Endorse Board and Governance Structure
Positive
Jan 29, 2026
At its virtual Annual Meeting of Shareholders held on January 27, 2026, Timberland Bancorp shareholders elected three directors — Dean J. Brydon, Michael J. Stoney and Kelly A. Suter — to three-year terms ending in 2029, with existing ...
Executive/Board Changes
Timberland Bancorp Appoints New Chief Credit Officer
Neutral
Dec 11, 2025
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 opportuniti...
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.