Timberland Bancorp (TSBK) AI Stock Analysis

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Timberland Bancorp

(NASDAQ:TSBK)

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Rating:79Outperform

Price Target:$55.00▲(14.68% Upside)

Action:reiterated

Date:11/05/26

The score is driven primarily by strong underlying fundamentals (conservative balance sheet and solid profitability), supported by an improving technical trend (price above major moving averages with positive momentum) and reasonable valuation (P/E 12.1 plus a 2.41% dividend). The main offset is weaker TTM cash flow generation, though recent corporate actions/results (dividend raise and buybacks alongside earnings growth) are a positive.

Positive Factors

Conservative balance sheet and profitabilityVery low reported leverage and steadily growing equity provide Timberland with financial flexibility to absorb credit or rate pressure. Consistent ROE of roughly 10%–13% also shows the bank is generating solid returns from its capital base, supporting durable earnings capacity.

Negative Factors

Weaker cash-flow conversionThe sharp TTM decline in operating and free cash flow makes earnings conversion less consistent than in prior periods. Persistent weakness could reduce internally generated funding for shareholder returns, loan growth, or other capital allocation, increasing dependence on balance-sheet flexibility.

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

Market Cap: $371.44M
Dividend Yield: 2.42%
Average Volume (3M): 32.87K
Price to Earnings (P/E): 12.1
Beta (1Y): 0.45
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

Strong balance sheet (very low debt-to-equity in TTM and steady equity growth) and solid profitability (ROE ~10%–13%, with TTM ~11.5%). Income statement trends are good with improved TTM net margin, but cash flow quality weakened in TTM (notable drop in operating and free cash flow), which tempers the overall financial strength.

Income Statement

78Positive

Balance Sheet

86Very Positive

Cash Flow

55Neutral

Financial statement breakdown
Breakdown	TTM	Sep 2026	Sep 2025	Sep 2024	Sep 2023	Sep 2022
Income Statement
Total Revenue	110.70M	119.07M	110.49M	101.55M	87.23M	67.33M
Gross Profit	85.91M	85.90M	77.46M	69.71M	73.51M	64.50M
EBITDA	40.53M	38.90M	38.73M	32.98M	36.66M	32.40M
Net Income	31.17M	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	25.14M	25.14M	281.89M	247.19M	185.68M	381.06M
Total Debt	9.25M	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	276.31M	276.31M	262.61M	245.41M	233.07M	218.57M
Cash Flow
Free Cash Flow	13.71M	0	28.42M	21.71M	29.89M	25.59M
Operating Cash Flow	16.76M	0	30.16M	23.02M	31.00M	26.50M
Investing Cash Flow	33.31M	0	-8.25M	-45.80M	-170.22M	-335.16M
Financing Cash Flow	9.98M	0	56.79M	58.78M	-48.81M	45.22M

Timberland Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price47.96

Price Trends

50DMA46.01Positive

100DMA45.18Positive

200DMA42.23Positive

Market Momentum

MACD0.61Negative

RSI59.80Neutral

STOCH60.77Neutral

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 47.96 is above the 20-day moving average (MA) of 46.44, above the 50-day MA of 46.01, and above the 200-day MA of 42.23, indicating a bullish trend. The MACD of 0.61 indicates Negative momentum. The RSI at 59.80 is Neutral, neither overbought nor oversold. The STOCH value of 60.77 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
PKBK	82Outperform	$382.56M	8.09	13.90%	2.33%	8.56%	40.25%
TSBK	79Outperform	$371.76M	12.05	11.45%	2.42%	3.87%	8.03%
ISBA	74Outperform	$344.96M	14.16	8.89%	2.76%	11.39%	16.66%
COSO	72Outperform	$331.61M	11.40	11.22%	0.53%	8.14%	12.46%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	63Neutral	$363.55M	6.49	12.78%	2.76%	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	47.96	16.05	50.32%
PKBK	Parke Bancorp	32.62	11.29	52.96%
FRST	Primis Financial Corp.	14.48	3.95	37.50%
COSO	CoastalSouth Bancshares	28.15	6.99	33.05%
ISBA	Isabella Bank Corporation	40.64	1.47	3.76%

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 05, 2026

Timberland Bancorp AI Stock Analysis