A Business at a Glance
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TIMBERLAND BANCORP INC
TSBK
$348M
Mkt Cap
$43.80
+0.76%
TIMBERLAND BANCORP INC (TSBK) has a current P/E ratio of 11.4, compared to its historical median P/E of 8.4. The stock is currently considered Expensive based on its historical valuation range.
TIMBERLAND BANCORP INC (TSBK) has a 5-year average return on invested capital (ROIC) of 11.7%. This indicates solid capital allocation.
TIMBERLAND BANCORP INC (TSBK) has a market capitalization of $343M. It is classified as a small-cap stock.
Yes, TIMBERLAND BANCORP INC (TSBK) pays a dividend with a trailing twelve-month yield of 2.51%. The company also returns capital through share buybacks, with a buyback yield of 2.06%.
Based on historical P/E analysis, TIMBERLAND BANCORP INC (TSBK) appears expensive. The current P/E of 11.4 is 35% above its historical median of 8.4. The estimated fair value CAGR (P/E method) is 3.5%.
TIMBERLAND BANCORP INC (TSBK) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
TIMBERLAND BANCORP INC (TSBK) reported annual revenue of $115 million in its most recent fiscal year, based on SEC EDGAR filings.
TIMBERLAND BANCORP INC operates in the Savings Institutions, Not Federally Chartered industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 86M | 115M | 106M | 91M | 71M | 72M |
| Net Income | 31M | 29M | 24M | 27M | 24M | 28M |
| EPS | $3.92 | $3.67 | $3.01 | $3.29 | $2.82 | $3.27 |
| Free Cash Flow | 32M | 28M | 22M | 30M | 26M | 29M |
| ROIC | 11.4% | 11.5% | 10.1% | 12.0% | 11.1% | 14.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 6.66 | 6.84 | 6.89 | 7.51 | 7.66 |
| Dividends/Share | $1.10 | $1.02 | $0.95 | $1.01 | $0.87 | $1.02 |
| Operating Income | 1.0M | 36M | 30M | 34M | 30M | 34M |
| Operating Margin | 1.2% | 31.6% | 28.7% | 37.3% | 41.6% | 47.7% |
| ROE | 11.4% | 11.5% | 10.1% | 12.0% | 11.1% | 14.0% |
| Shares Outstanding | 8M | 8M | 8M | 8M | 8M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 38M | 41M | 46M | 51M | 54M | 70M | 73M | 72M | 71M | 91M | 106M | 115M | 86M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 13M | 13M | 14M | 15M | 16M | 19M | 18M | 19M | 21M | 24M | 24M | 24M | 25M |
| EBIT | 709K | 820K | 904K | 1.1M | 1.1M | 30M | 1.9M | 34M | 30M | 34M | 30M | 36M | 1.0M |
| Op. Margin | 1.8% | 2.0% | 2.0% | 2.1% | 2.0% | 42.7% | 2.6% | 47.7% | 41.6% | 37.3% | 28.7% | 31.6% | 1.2% |
| Net Income | 5.6M | 8.3M | 10M | 14M | 17M | 24M | 24M | 28M | 24M | 27M | 24M | 29M | 31M |
| Net Margin | 14.7% | 20.4% | 22.2% | 27.9% | 30.8% | 34.3% | 33.3% | 38.2% | 33.2% | 29.8% | 22.9% | 25.4% | 36.0% |
| Non-Recurring | 7K | 296K | -7K | -5K | 102K | -7K | 98K | 0 | -13K | 19K | 2K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 6.5% | 9.6% | 10.9% | 13.6% | 14.2% | 16.2% | 13.5% | 14.0% | 11.1% | 12.0% | 10.1% | 11.5% | 11.4% |
| ROE | 6.5% | 9.6% | 10.9% | 13.6% | 14.2% | 16.2% | 13.5% | 14.0% | 11.1% | 12.0% | 10.1% | 11.5% | 11.4% |
| ROA | 0.8% | 1.1% | 1.2% | 1.5% | 1.7% | 2.1% | 1.7% | 1.6% | 1.3% | 1.5% | 1.3% | 1.5% | 1.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 8.6M | 7.6M | 12M | 14M | 21M | 18M | 34M | 30M | 27M | 31M | 23M | 30M | 34M |
| Free Cash Flow | 7.4M | 6.9M | 11M | 10M | 19M | 16M | 32M | 29M | 26M | 30M | 22M | 28M | 32M |
| Owner Earnings | 7.0M | 5.9M | 10M | 12M | 19M | 16M | 32M | 28M | 25M | 29M | 21M | 28M | 11M |
| CapEx | 1.2M | 700K | 640K | 3.5M | 2.2M | 2.2M | 2.0M | 895K | 911K | 1.1M | 1.3M | 1.7M | 2.0M |
| Maint. CapEx | 1.4M | 1.4M | 1.3M | 1.3M | 1.3M | 2.1M | 2.0M | 1.9M | 1.7M | 1.7M | 1.7M | 1.7M | 22M |
| Growth CapEx | 0 | 0 | 0 | 2.3M | 896K | 95K | 8K | 0 | 0 | 0 | 0 | 18K | 0 |
| D&A | 1.4M | 1.4M | 1.3M | 1.3M | 1.3M | 2.1M | 2.0M | 1.9M | 1.7M | 1.7M | 1.7M | 1.7M | 22M |
| CapEx/OCF | 13.8% | 9.3% | 5.4% | 25.4% | 10.2% | 11.9% | 5.9% | 3.0% | 3.4% | 3.6% | 5.7% | 5.8% | 6.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.2M | 1.7M | 2.6M | 3.6M | 4.4M | 6.5M | 7.1M | 8.6M | 7.2M | 8.3M | 7.6M | 8.1M | 8.6M |
| Dividend Yield | 2.3% | 3.1% | 3.6% | 2.9% | 2.4% | 3.5% | 4.7% | 4.5% | 3.6% | 3.7% | 3.6% | 3.3% | 2.5% |
| Share Buybacks | 0 | 709K | 820K | 0 | 0 | 499K | 1.2M | 527K | 4.6M | 5.0M | 6.0M | 5.8M | 7.1M |
| Buyback Yield | N/A | 1.3% | 1.0% | N/A | N/A | 0.3% | 1.0% | 0.3% | 2.2% | 2.4% | 2.6% | 2.1% | 2.1% |
| Stock-Based Comp | 264K | 336K | 404K | 605K | 882K | 441K | 182K | 173K | 246K | 320K | 390K | 255K | 60K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -72M | -92M | -109M | -148M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -295M |
| Cash & Equiv. | 72M | 92M | 109M | 148M | 149M | 143M | 314M | 580M | 317M | 129M | 165M | 243M | 295M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 7.17 | 6.29 | 7.35 | 7.66 | 7.51 | 6.89 | 6.84 | 6.66 | 0.00 |
| Interest Coverage | 0.1 | 0.2 | 0.2 | 0.3 | 0.4 | 7.6 | 0.4 | 12.1 | 12.1 | 4.0 | 2.0 | 2.2 | 0.2 |
| Equity | 83M | 89M | 97M | 111M | 125M | 171M | 188M | 207M | 219M | 233M | 245M | 263M | 271M |
| Total Assets | 746M | 816M | 891M | 952M | 1.0B | 1.2B | 1.6B | 1.8B | 1.9B | 1.8B | 1.9B | 2.0B | 2.0B |
| Total Liabilities | 663M | 727M | 795M | 841M | 894M | 1.1B | 1.4B | 1.6B | 1.6B | 1.6B | 1.7B | 1.8B | 1.8B |
| Intangibles | 3K | N/A | N/A | N/A | 0 | 2.0M | 1.6M | 1.3M | 948K | 677K | 451K | 271K | 203K |
| Retained Earnings | 74M | 80M | 88M | 98M | 111M | 128M | 145M | 164M | 181M | 199M | 216M | 237M | 247M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.80 | 1.17 | 1.43 | 1.92 | 2.22 | 2.84 | 2.88 | 3.27 | 2.82 | 3.29 | 3.01 | 3.67 | 3.92 |
| Owner EPS | 0.99 | 0.84 | 1.42 | 1.63 | 2.56 | 1.85 | 3.76 | 3.26 | 2.94 | 3.52 | 2.60 | 3.55 | 1.42 |
| Book Value | 11.73 | 12.58 | 13.64 | 15.04 | 16.55 | 20.23 | 22.27 | 24.53 | 26.12 | 28.28 | 30.42 | 33.05 | 34.61 |
| Cash Flow/Share | 1.22 | 1.08 | 1.66 | 1.88 | 2.85 | 2.14 | 4.02 | 3.51 | 3.17 | 3.76 | 2.85 | 3.80 | 6.82 |
| Dividends/Share | 0.17 | 0.24 | 0.36 | 0.49 | 0.59 | 0.77 | 0.84 | 1.02 | 0.87 | 1.01 | 0.95 | 1.02 | 1.10 |
| Shares Out. | 7.1M | 7.1M | 7.1M | 7.4M | 7.5M | 8.5M | 8.4M | 8.4M | 8.4M | 8.2M | 8.1M | 7.9M | 7.8M |
| Valuation | |||||||||||||
| P/E Ratio | 9.4 | 6.8 | 8.1 | 12.5 | 11.0 | 7.7 | 5.0 | 7.5 | 8.7 | 7.7 | 9.6 | 9.2 | 11.2 |
| P/FCF | 7.1 | 8.1 | 7.4 | 17.1 | 9.5 | 11.6 | 3.8 | 7.2 | 8.1 | 7.0 | 10.8 | 9.5 | 10.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 46.9 |
| Price/Book | 0.6 | 0.6 | 0.9 | 1.6 | 1.5 | 1.1 | 0.6 | 1.0 | 0.9 | 0.9 | 1.0 | 1.0 | 1.3 |
| Price/Sales | 1.5 | 1.5 | 1.7 | 2.6 | 3.6 | 2.8 | 2.2 | 2.8 | 2.9 | 2.8 | 2.8 | 2.9 | 4.0 |
| FCF Yield | 14.0% | 12.3% | 13.5% | 5.9% | 10.5% | 8.6% | 26.5% | 13.9% | 12.4% | 14.4% | 9.3% | 10.5% | 9.2% |
| Market Cap | 53M | 56M | 83M | 177M | 184M | 186M | 120M | 207M | 206M | 208M | 233M | 269M | 343M |
| Avg. Price | 7.25 | 7.62 | 9.98 | 16.97 | 24.47 | 21.76 | 17.86 | 22.72 | 23.82 | 26.90 | 26.30 | 30.53 | 43.80 |
| Year-End Price | 7.51 | 7.96 | 11.62 | 23.93 | 24.38 | 21.98 | 14.30 | 24.49 | 24.65 | 25.24 | 28.93 | 33.92 | 43.80 |
TIMBERLAND BANCORP INC passes 3 of 9 quality checks, indicating weak fundamentals.
TIMBERLAND BANCORP INC trades at 11.4x trailing earnings, compared to its 15-year median P/E of 8.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 9.2x vs a median of 8.8x. The company's 5-year average ROIC is 11.7%. Total shareholder yield (dividends + buybacks) is 4.6%. At current prices, the estimated annualized return to fair value is +2.8%.
TIMBERLAND BANCORP INC (TSBK) has a net profit margin of 25.4%. This is a strong margin indicating high profitability.
TIMBERLAND BANCORP INC (TSBK) generated $28 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
TIMBERLAND BANCORP INC (TSBK) has a debt-to-equity ratio of 6.66. This indicates higher leverage, which may increase financial risk.
TIMBERLAND BANCORP INC (TSBK) reported earnings per share (EPS) of $3.67 in its most recent fiscal year.
TIMBERLAND BANCORP INC (TSBK) has a return on equity (ROE) of 11.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for TIMBERLAND BANCORP INC (TSBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
TIMBERLAND BANCORP INC (TSBK) has a book value per share of $33.05, based on its most recent annual SEC filing.
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