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Timberland Bancorp (TSBK) AI Stock Analysis
Timberland Bancorp
(NASDAQ:TSBK)
Timberland Bancorp's strong financial foundation, highlighted by a rock-solid balance sheet and consistent cash flows, is the primary driver of the score. Attractive valuation and positive corporate events further support the investment case. While technical indicators are favorable, the stock's recent overbought condition suggests potential near-term consolidation. Overall, the company presents a compelling profile for investors seeking a well-capitalized regional bank with shareholder-friendly policies.
Timberland Bancorp (TSBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $364.06M
- Dividend Yield
- 2.48%
- Average Volume (3M)
- 33.42K
- Price to Earnings (P/E)
- 11.7
- Beta (1Y)
- 0.46
- Revenue Growth
- 3.87%
- EPS Growth
- 8.03%
- Country
- US
- Employees
- 271
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 accoun...
How the Company Makes Money
Timberland Bancorp primarily makes money through traditional banking activities conducted by Timberland Bank. The largest driver of earnings is typically net interest income: the bank earns interest and fees on loans (such as commercial real estate,...
Timberland Bancorp Financial Statement Overview
Summary
Timberland Bancorp demonstrates solid financial health with a strong balance sheet (score 88) and robust cash flows (score 80). Profitability remains healthy (income statement score 72) despite a recent revenue dip, supported by cost efficiency. The company's conservative leverage and high capital adequacy provide resilience.
Income Statement
72PositiveBalance Sheet
88Very PositiveCash Flow
80Positive| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 109.63M | 110.49M | 101.55M | 87.23M | 67.33M | 68.62M |
| Gross Profit | 84.74M | 77.46M | 69.71M | 73.51M | 64.50M | 65.63M |
| EBITDA | 41.42M | 38.73M | 32.98M | 36.66M | 32.40M | 37.46M |
| Net Income | 31.51M | 29.16M | 24.28M | 27.12M | 23.60M | 27.58M |
Balance Sheet | ||||||
| Total Assets | 2.06B | 2.01B | 1.92B | 1.84B | 1.86B | 1.79B |
| Cash, Cash Equivalents and Short-Term Investments | 32.80M | 281.89M | 247.19M | 185.68M | 381.06M | 671.85M |
| Total Debt | 14.32M | 23.08M | 21.57M | 36.87M | 2.07M | 7.36M |
| Total Liabilities | 1.79B | 1.75B | 1.68B | 1.61B | 1.64B | 1.59B |
| Stockholders Equity | 273.21M | 262.61M | 245.41M | 233.07M | 218.57M | 206.90M |
Cash Flow | ||||||
| Free Cash Flow | 26.75M | 28.42M | 21.71M | 29.89M | 25.59M | 28.74M |
| Operating Cash Flow | 28.91M | 30.16M | 23.02M | 31.00M | 26.50M | 29.64M |
| Investing Cash Flow | -45.27M | -8.25M | -45.80M | -170.22M | -335.16M | 37.45M |
| Financing Cash Flow | 68.81M | 56.79M | 58.78M | -48.81M | 45.22M | 198.66M |
Timberland Bancorp Technical Analysis
Price Trends
Market Momentum
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 47.60 is above the 20-day moving average (MA) of 45.94, above the 50-day MA of 45.88, and above the 200-day MA of 42.00, indicating a bullish trend. The MACD of 0.46 indicates Negative momentum. The RSI at 56.31 is Neutral, neither overbought nor oversold. The STOCH value of 66.89 is Neutral, 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.
Latest Risks Added
1 New RiskTimberland Bancorp Peers Comparison
Overall Rating
- TSBK80.3Outperform
PKBK75Outperform
ISBA74Outperform
COSO72Outperform
FRST63Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| TSBK | 80Outperform | $364.06M | 11.68 | 11.45% | 2.48% | 3.87% | 8.03% |
| PKBK | 75Outperform | $383.19M | 8.08 | 13.90% | 2.33% | 8.56% | 40.25% |
| ISBA | 74Outperform | $302.41M | 13.62 | 8.89% | 2.83% | 11.39% | 16.46% |
| COSO | 72Outperform | $327.15M | 11.29 | 11.22% | 0.54% | 8.14% | 12.46% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FRST | 63Neutral | $365.29M | 6.61 | 12.78% | 2.72% | 17.42% | 538.62% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TSBK | Timberland | 46.82 | 15.25 | 48.32% | |
| PKBK | Parke Bancorp | 32.58 | 11.63 | 55.54% | |
| FRST | Primis Financial Corp. | 14.73 | 4.28 | 41.01% | |
| COSO | CoastalSouth Bancshares | 27.88 | 6.59 | 30.98% | |
| ISBA | Isabella Bank Corporation | 39.64 | -2.81 | -6.63% |
Timberland Bancorp Corporate Events
Timberland Bancorp Posts Strong Q3 Earnings, Raises Dividend
PositiveFor the fiscal third quarter ended June 30, 2026, Timberland Bancorp reported net income of $7.72 million, or $0.98 per diluted share, up 9% from a year earlier and 8% from the prior quarter. Earnings for the first nine months of fiscal 2026 rose 11%...
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.
Date of analysis: Aug 08, 2026