Timberland Bancorp (TSBK) AI Stock Analysis

Timberland Bancorp

(NASDAQ:TSBK)

Select Model

Rating:85Outperform

Price Target:$56.00▲(17.65% Upside)

Action:reiterated

Date:11/03/26

Timberland Bancorp's strong score of 85 is driven primarily by its pristine balance sheet, stellar cash flow conversion, and a highly positive fiscal 2026 report featuring a dividend hike and share buybacks. The stock's fair valuation and bullish technical trend further support this score, easily offsetting minor headwinds from a slight top-line revenue contraction.

Positive Factors

Earnings and operating momentumFiscal 2026 delivered higher net income and EPS, wider net interest margin, and loan growth, indicating improving operating performance across core banking activities. These trends can support earnings durability if the bank maintains credit quality and converts balance-sheet growth into recurring income.

Negative Factors

Recent revenue contractionThe latest TTM revenue decline signals that top-line momentum has weakened after several years of expansion. Persistent softness could constrain future earnings growth and make results more dependent on maintaining margins, controlling costs, or achieving further balance-sheet growth.

Timberland Bancorp (TSBK) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $371.44M
Dividend Yield: 2.43%
Average Volume (3M): 33.02K
Price to Earnings (P/E): 12.0
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 its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest driver for typical community banks and is earned from the spread betw...

Timberland Bancorp Financial Statement Overview

Summary

Excellent liquidity, an exceptionally conservative debt-to-equity ratio of 0.05, and stellar free cash flow conversion underscore a fundamentally robust balance sheet. Strong profit margins are present, though a slight top-line revenue contraction presents a minor headwind.

Income Statement

78Positive

Balance Sheet

88Very Positive

Cash Flow

92Very Positive

Financial statement breakdown
Breakdown	TTM	Sep 2026	Sep 2025	Sep 2024	Sep 2023	Sep 2022
Income Statement
Total Revenue	109.63M	119.07M	110.49M	101.55M	87.23M	67.33M
Gross Profit	84.74M	85.90M	77.46M	69.71M	73.51M	64.50M
EBITDA	41.42M	38.90M	38.73M	32.98M	36.66M	32.40M
Net Income	31.51M	31.17M	29.16M	24.28M	27.12M	23.60M
Balance Sheet
Total Assets	2.06B	2.06B	2.01B	1.92B	1.84B	1.86B
Cash, Cash Equivalents and Short-Term Investments	32.80M	25.14M	281.89M	247.19M	185.68M	381.06M
Total Debt	14.32M	9.25M	23.08M	21.57M	36.87M	2.07M
Total Liabilities	1.79B	1.79B	1.75B	1.68B	1.61B	1.64B
Stockholders Equity	273.21M	276.31M	262.61M	245.41M	233.07M	218.57M
Cash Flow
Free Cash Flow	26.75M	0	28.42M	21.71M	29.89M	25.59M
Operating Cash Flow	28.91M	0	30.16M	23.02M	31.00M	26.50M
Investing Cash Flow	-45.27M	0	-8.25M	-45.80M	-170.22M	-335.16M
Financing Cash Flow	68.81M	0	56.79M	58.78M	-48.81M	45.22M

Timberland Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price47.60

Price Trends

50DMA45.90Positive

100DMA45.01Positive

200DMA42.06Positive

Market Momentum

MACD0.52Negative

RSI62.52Neutral

STOCH70.50Neutral

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 46.07, above the 50-day MA of 45.90, and above the 200-day MA of 42.06, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 62.52 is Neutral, neither overbought nor oversold. The STOCH value of 70.50 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.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

1 New Risk

1.Current and future uses of Artificial Intelligence ("AI") and other emerging technologies may create additional risks.Q2, 2025

Timberland Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

TSBK against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TSBK	85Outperform	$364.06M	12.00	11.45%	2.43%	3.87%	8.03%
PKBK	75Outperform	$383.19M	8.28	13.90%	2.28%	8.56%	40.25%
ISBA	74Outperform	$302.41M	14.03	8.89%	2.74%	11.39%	16.66%
COSO	72Outperform	$327.15M	11.43	11.22%	0.53%	8.14%	12.46%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	63Neutral	$365.29M	6.73	12.78%	2.67%	17.42%	538.62%

* Financial Sector Average

Performance Comparison

TSBK and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TSBK	Timberland	47.77	16.20	51.33%
PKBK	Parke Bancorp	33.37	12.42	59.31%
FRST	Primis Financial Corp.	15.00	4.55	43.60%
COSO	CoastalSouth Bancshares	28.24	6.95	32.67%
ISBA	Isabella Bank Corporation	40.82	-1.63	-3.85%

Timberland Bancorp Corporate Events

Stock BuybackDividendsFinancial Disclosures

Timberland Bancorp Reports Strong Fiscal 2026 Results

Positive

Nov 2, 2026

Timberland Bancorp, the holding company for Timberland Bank, operated in banking, with lending and deposit activities serving customers and communities in its markets. Its fiscal-year 2026 results showed stronger annual earnings alongside balance-she...

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.

Date of analysis: Nov 03, 2026

Timberland Bancorp AI Stock Analysis