Timberland Bancorp, Inc. TSBK R2K

Financial Services · Banks - Regional · United States

https://www.timberlandbank.com

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 accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate loans, and land loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. The company was founded in 1915 and is headquartered in Hoquiam, Washington.

Market & Price

Market Cap

$317.66M

Current Price

$40.58

High / Low (52W)

$43.08 / $29.06

Beta

0.31

Valuation

Stock P/E

10.41

Industry PE

12.01

Forward P/E

PEG Ratio

2.94

Book Value

$34.06

Price to Book

1.19

P/S

3.75

EV/EBITDA

Dividend Yield

2.77%

Profitability & Returns

ROCE

ROE

11.80%

ROA

1.55%

Profit Margin

36.52%

Op Margin

45.18%

EPS (Latest Qtr)

$0.90

EPS (TTM)

$3.90

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$22.94M

Total Assets

$2.01B

Current Assets

Working Capital

Ownership

Promoter Holding

7.09%

Chg in Prom Hold

FII / Inst Holding

68.93%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$39.95M

Total Revenue (TTM)

$84.60M

EBITDA

Free Cash Flow

Operating Cash Flow

$33.66M

Shares Outstanding

7.83M

Gross Margin

0.00%

Payout Ratio

27.95%

Growth (CAGR)

Revenue 5Y

6.64%

Profit 5Y

7.31%

Revenue (YoY)

4.40%

Earnings (YoY)

5.90%

PROS

Excellent profit margin of 36.5%.
Attractive dividend yield of 2.77%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TSBK Timberland Bancorp, Inc. R2K	40.58	10.41	$317.66M	2.77%	-	11.80%	6.64%	7.31%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.91M	19.40M	21.42M	20.71M	20.08M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.65M	7.92M	8.22M	8.25M	7.71M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.46M	8.89M	10.31M	10.32M	8.87M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.71M	1.79M	1.86M	2.10M	1.74M
Net Income	2.55M	2.70M	3.15M	3.13M	4.28M	3.62M	3.61M	4.27M	4.42M	4.42M	5.62M	6.11M	5.96M	6.33M	6.65M	5.05M	6.21M	6.36M	7.29M	7.25M	7.02M	6.02M	5.49M	5.33M	5.74M	7.05M	7.51M	6.66M	6.31M	6.64M	6.30M	5.71M	5.92M	-	6.86M	6.75M	7.10M	8.45M	8.22M	7.13M
Diluted EPS	0.36	0.38	0.43	0.42	0.58	0.48	0.48	0.57	0.59	0.59	0.66	0.72	0.70	0.75	0.78	0.60	0.74	0.76	0.87	0.86	0.83	0.71	0.65	0.63	0.69	0.85	0.90	0.80	0.77	0.81	0.77	0.70	0.74	-	0.86	0.85	0.90	1.07	1.04	0.90

Profit & Loss (Annual)

Figures in USD.

Metric	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	64.65M	75.64M	70.89M	78.42M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	2.67M	11.59M	30.66M	32.08M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	29.56M	33.99M	30.41M	36.23M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	5.96M	6.88M	6.12M	7.07M
Net Income	-242.00K	-2.29M	1.09M	4.59M	4.76M	5.85M	8.29M	10.15M	14.17M	16.72M	24.02M	24.27M	-	23.60M	27.12M	24.28M	29.16M
Diluted EPS	-0.15	-0.50	0.00	0.52	0.58	0.80	1.17	1.43	1.92	2.22	2.84	2.88	-	2.82	3.29	3.01	3.67

Compounded Sales Growth

5 Years:	6.64%
1 Year:	4.40%

Compounded Profit Growth

5 Years:	7.31%
1 Year:	5.90%

Stock Price Performance

1 Year:	+37.58%
6 Months:	+18.27%
3 Months:	+7.32%
1 Month:	+0.68%

Balance Sheet (Annual)

Figures in USD.

Metric	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Total Assets	-	742.69M	738.22M	736.95M	745.65M	745.57M	815.82M	891.39M	952.02M	1.02B	1.25B	1.57B	-	1.86B	1.84B	1.92B	2.01B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	66.46M	96.67M	112.06M	96.67M	94.50M	72.35M	92.29M	108.94M	148.19M	148.86M	143.01M	314.45M	-	339.65M	143.91M	174.94M	250.65M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	4.48M	6.00M	6.99M	7.39M
Total Liabilities	-	657.28M	652.02M	646.63M	655.96M	662.79M	726.63M	794.55M	841.02M	893.63M	1.08B	1.38B	-	1.64B	1.61B	1.68B	1.75B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	5.00M	-	35.00M	20.00M	20.00M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	2.07M	36.87M	21.57M	23.08M
Total Equity	-	86.20M	86.20M	90.32M	89.69M	82.78M	89.19M	96.83M	111.00M	124.66M	171.07M	187.63M	-	218.57M	233.07M	245.41M	262.61M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	8.22M	8.11M	7.96M	7.89M

Cash Flows (Annual)

Figures in USD.

Metric	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Operating Cash Flow	11.47M	6.04M	10.70M	15.39M	11.57M	8.62M	7.62M	11.82M	13.86M	21.45M	18.11M	33.86M	-	26.50M	31.00M	23.02M	30.16M
Investing Cash Flow	-8.94M	-2.96M	-4.24M	-23.99M	-17.53M	-24.46M	-49.11M	-59.55M	-20.16M	-68.27M	-44.55M	-154.67M	-	-335.16M	-170.22M	-45.80M	-8.25M
Financing Cash Flow	21.06M	42.24M	-6.18M	-6.80M	3.79M	-6.30M	61.42M	64.38M	45.55M	47.49M	20.59M	292.25M	-	45.22M	-48.81M	58.78M	56.79M
Capital Expenditure	2.35M	484.00K	-1.01M	-1.44M	-1.30M	-1.19M	-700.00K	-640.00K	-3.53M	-2.19M	-2.15M	-1.99M	-	-911.00K	-1.11M	-1.31M	-1.74M
Free Cash Flow	13.82M	6.53M	9.68M	13.95M	10.27M	7.43M	6.92M	11.18M	10.33M	19.26M	15.96M	31.87M	-	25.59M	29.89M	21.71M	28.42M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-263.44M	-188.03M	36.01M	78.70M
Share Buybacks	-	-	-	-	0	0	709.00K	820.00K	0	0	499.00K	1.24M	527.00K	4.58M	5.00M	5.96M	5.76M
Dividends Paid	-3.27M	-699.00K	0	2.08M	1.37M	1.19M	1.69M	2.58M	3.64M	4.43M	6.50M	7.08M	8.59M	7.23M	8.27M	7.65M	8.09M

Ratios (Annual)

Figures in %.

Metric	Sep 2009	Sep 2010	Sep 2011	Sep 2012	Sep 2013	Sep 2014	Sep 2015	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	36.5%	35.9%	34.3%	37.2%
ROE %	-	-2.7%	1.3%	5.1%	5.3%	7.1%	9.3%	10.5%	12.8%	13.4%	14.0%	12.9%	-	10.8%	11.6%	9.9%	11.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

7.09%

Institutions

68.93%

Public Float

74.19%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.49%	664.92K	$26.98M
2	Dimensional Fund Advisors LP	7.12%	557.07K	$22.61M
3	Vanguard Capital Management LLC	4.18%	327.60K	$13.29M
4	Cutler Capital Management, LLC	3.72%	291.20K	$11.82M
5	Manufacturers Life Insurance Co.	3.66%	286.39K	$11.62M
6	Royce & Associates LP	3.36%	262.93K	$10.67M
7	Siena Capital Partners GP, LLC	2.95%	230.85K	$9.37M
8	Fourthstone LLC	2.94%	230.33K	$9.35M
9	Renaissance Technologies, LLC	2.78%	217.59K	$8.83M
10	Davis Asset Management, L.P.	2.23%	174.48K	$7.08M

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