Skip to content
Company Analysis

Timberland Bancorp, Inc. TSBK

A comprehensive view of key metrics, scores, and financial health for Timberland Bancorp, Inc.

Overview of Timberland Bancorp, Inc.

TSBK NGM
Financial Services Banks - Regional Small Cap
Timberland Bancorp, Inc. (TSBK), is a Small Cap company, in the Banks - Regional industry, last closed at $37.91, about 7.5% overvalued vs fair value, +27.2% 1Y return, ranked 332/1004 in sector.
$37.92
-0.91%
As of March 13, 2026
Previous close • Vol 90d: 25.1%
52-Week Range
Market Cap
$302.40M
Enterprise Value
$72.08M
Overall Score
Scores locked

Create a free account to see overall and pillar scores for Timberland Bancorp, Inc..

Top Beats
No strong beats yet

Quick Facts

Website https://www.timberlandbank.com
HQ Hoquiam, WA
Employees 271
Fiscal year Sep 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$19
$35
$66
Current: $37.92 -8% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$101.9M
7.9%%
Interest Expense
$32.1M
Net Interest Income
$69.9M
9.5%%
Total Revenue
$78.4M
10.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.1%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$13.8M
47.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Timberland Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
82
/100
Strong
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Strong
79
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing TSBK's balance between Growth (15.0%), Profitability (44.2%), and Safety (40.8%). Growth 15% Safety 41% Profitability 44%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

29th percentile vs peers
30
Key Signals
Asset Growth YoY 4.6% 55p Rev Growth YoY 10.6% 19p Revenue CAGR 3Y 6.6% 16p
Strengths
  • Operating Margin in top 20% of peers (44.9%, 95th percentile)
  • Roa in top 20% of peers (1.5%, 87th percentile)
  • Net Profit Margin in top 20% of peers (37.2%, 97th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (10.6%)
  • Growth below peer median (percentile: 29)

Profitability

87th percentile vs peers
87
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

80th percentile vs peers
81
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Timberland Bancorp, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$35.07
- - -
-7.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info