8-K Announcements
6Apr 30, 2026·SEC
Jan 29, 2026·SEC
Jan 27, 2026·SEC
Timberland Bancorp, Inc. (TSBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Timberland Bancorp, Inc. (TSBK) stock price & volume — 10-year historical chart
Timberland Bancorp, Inc. (TSBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Timberland Bancorp, Inc. (TSBK) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.90 | $29M |
| Q1 2026 | Jan 26, 2026 | $1.04 | $30M |
| Q4 2025 | Dec 9, 2025 | $1.07 | $30M |
| Q3 2025 | Jul 22, 2025 | $0.90 | $27M |
Timberland Bancorp, Inc. (TSBK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
Timberland Bancorp, Inc. (TSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Timberland Bancorp, Inc. (TSBK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 35.05M | 38.94M | 51M | 50.75M | 51.75M | 55.71M | 68.09M | 63.81M | 69.86M | 71.93M |
| NII Growth % | 14.19% | 11.07% | 30.98% | -0.48% | 1.96% | 7.67% | 22.21% | -6.29% | 9.5% | 44.08% |
| Net Interest Margin % | 3.68% | 3.82% | 4.09% | 3.24% | 2.89% | 2.99% | 3.7% | 3.32% | 3.47% | 3.59% |
| Interest Income | 38.25M | 41.71M | 55.56M | 55.45M | 54.85M | 58.39M | 79.68M | 94.46M | 101.94M | 103.97M |
| Interest Expense | 3.2M | 2.78M | 4.57M | 4.7M | 3.1M | 2.67M | 11.59M | 30.66M | 32.08M | 32.04M |
| Loan Loss Provision | -1.25M | 0 | 4K | 3.92M | -110K | 151K | 2.13M | 1.18M | 958K | 891K |
| Non-Interest Income | 9.77M | 9.84M | 11.18M | 14.35M | 13.77M | 8.94M | 7.55M | 7.08M | 8.55M | 9.5M |
| Non-Interest Income % | 20.35% | 19.09% | 16.76% | 20.55% | 20.07% | 13.28% | 8.66% | 6.98% | 7.74% | 8.38% |
| Total Revenue | 48.02M▲ 0% | 51.55M▲ 7.4% | 66.75M▲ 29.5% | 69.8M▲ 4.6% | 68.62M▼ 1.7% | 67.33M▼ 1.9% | 87.23M▲ 29.6% | 101.55M▲ 16.4% | 110.49M▲ 8.8% | 113.47M▲ 0% |
| Revenue Growth % | 11.28% | 7.35% | 29.47% | 4.58% | -1.69% | -1.88% | 29.57% | 16.41% | 8.81% | 35.1% |
| Non-Interest Expense | 24.83M | 26.35M | 32.26M | 30.87M | 31.2M | 34.94M | 39.52M | 39.3M | 41.23M | 42.57M |
| Efficiency Ratio | 51.71% | 51.12% | 48.33% | 44.23% | 45.46% | 51.9% | 45.3% | 38.7% | 37.31% | 37.52% |
| Operating Income | 21.24M▲ 0% | 22.42M▲ 5.6% | 29.92M▲ 33.4% | 30.31M▲ 1.3% | 34.43M▲ 13.6% | 29.56M▼ 14.1% | 33.99M▲ 15.0% | 30.41M▼ 10.6% | 36.23M▲ 19.2% | 37.98M▲ 0% |
| Operating Margin % | 44.24% | 43.49% | 44.83% | 43.42% | 50.17% | 43.91% | 38.97% | 29.94% | 32.79% | 33.47% |
| Operating Income Growth % | 41.1% | 5.55% | 33.44% | 1.29% | 13.6% | -14.13% | 14.99% | -10.55% | 19.16% | - |
| Pretax Income | 21.24M▲ 0% | 22.42M▲ 5.6% | 29.92M▲ 33.4% | 30.31M▲ 1.3% | 34.43M▲ 13.6% | 29.56M▼ 14.1% | 33.99M▲ 15.0% | 30.41M▼ 10.6% | 36.23M▲ 19.2% | 37.98M▲ 0% |
| Pretax Margin % | 44.24% | 43.49% | 44.83% | 43.42% | 50.17% | 43.91% | 38.97% | 29.94% | 32.79% | 33.47% |
| Income Tax | 7.08M | 5.7M | 5.9M | 6.04M | 6.84M | 5.96M | 6.88M | 6.12M | 7.07M | 7.46M |
| Effective Tax Rate % | 33.31% | 25.43% | 19.72% | 19.92% | 19.88% | 20.17% | 20.23% | 20.14% | 19.51% | 19.64% |
| Net Income | 14.17M▲ 0% | 16.72M▲ 18.0% | 24.02M▲ 43.7% | 24.27M▲ 1.0% | 27.58M▲ 13.7% | 23.6M▼ 14.4% | 27.12M▲ 14.9% | 24.28M▼ 10.5% | 29.16M▲ 20.1% | 30.52M▲ 0% |
| Net Margin % | 29.5% | 32.43% | 35.99% | 34.77% | 40.2% | 35.05% | 31.09% | 23.91% | 26.39% | 26.89% |
| Net Income Growth % | 39.52% | 18.03% | 43.65% | 1.04% | 13.66% | -14.44% | 14.91% | -10.45% | 20.09% | 22.82% |
| Net Income (Continuing) | 14.17M | 16.72M | 24.02M | 24.27M | 27.58M | 23.6M | 27.12M | 24.28M | 29.16M | 30.52M |
| EPS (Diluted) | 1.92▲ 0% | 2.22▲ 15.6% | 2.84▲ 27.9% | 2.88▲ 1.4% | 3.27▲ 13.5% | 2.82▼ 13.8% | 3.29▲ 16.7% | 3.01▼ 8.5% | 3.67▲ 21.9% | 3.85▲ 0% |
| EPS Growth % | 34.27% | 15.63% | 27.93% | 1.41% | 13.54% | -13.76% | 16.67% | -8.51% | 21.93% | 24.92% |
| EPS (Basic) | 1.99 | 2.28 | 2.89 | 2.91 | 3.31 | 2.84 | 3.32 | 3.02 | 3.68 | - |
| Diluted Shares Outstanding | 7.38M | 7.53M | 8.47M | 8.42M | 8.44M | 8.38M | 8.25M | 8.08M | 7.95M | 7.92M |
Timberland Bancorp, Inc. (TSBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 192.46M | 213.31M | 243.89M | 437.9M | 671.85M | 381.06M | 185.68M | 247.19M | 281.89M | 889.61M |
| Cash & Due from Banks | 191.22M | 212.15M | 221.36M | 380M | 608.68M | 339.65M | 143.91M | 174.94M | 250.65M | 23.18M |
| Short Term Investments | 1.24M | 1.15M | 22.53M | 57.91M | 63.18M | 41.41M | 41.77M | 72.26M | 31.24M | 133.26M |
| Total Investments | 705.34M | 744.14M | 950.33M | 1.11B | 1.11B | 1.45B | 1.62B | 1.67B | 1.68B | 133.26M |
| Investments Growth % | 4.4% | 5.5% | 27.71% | 16.61% | -0.02% | 30.43% | 12% | 3.17% | 0.83% | -89.01% |
| Long-Term Investments | 704.1M | 742.99M | 927.79M | 1.05B | 1.04B | 1.4B | 1.58B | 1.6B | 1.65B | 4.93B |
| Accounts Receivables | 2.52M | 2.88M | 3.6M | 4.48M | 3.75M | 4.48M | 6M | 6.99M | 7.39M | 1.47B |
| Goodwill & Intangibles | 7.47M | 7.68M | 19.57M | 19.85M | 19.88M | 19.1M | 17.93M | 16.95M | 16.22M | 15.37M |
| Goodwill | 5.65M | 5.65M | 15.13M | 15.13M | 15.13M | 15.13M | 15.13M | 15.13M | 15.13M | 15.13M |
| Intangible Assets | 1.82M | 2.03M | 4.44M | 4.72M | 4.75M | 3.97M | 2.8M | 1.82M | 1.09M | 237K |
| PP&E (Net) | 18.42M | 18.95M | 22.83M | 25.62M | 24.65M | 23.88M | 23.41M | 22.96M | 24.63M | 24.68M |
| Other Assets | 27.05M | 32.49M | 29.45M | 27.87M | 27.33M | 28.36M | 30.14M | 31.89M | 30.21M | 2.78M |
| Total Current Assets | 194.98M | 216.19M | 247.49M | 442.39M | 675.6M | 385.55M | 191.68M | 254.18M | 289.28M | 1.62B |
| Total Non-Current Assets | 757.04M | 802.11M | 999.64M | 1.12B | 1.12B | 1.47B | 1.65B | 1.67B | 1.72B | 42.83M |
| Total Assets | 952.02M▲ 0% | 1.02B▲ 7.0% | 1.25B▲ 22.5% | 1.57B▲ 25.6% | 1.79B▲ 14.4% | 1.86B▲ 3.8% | 1.84B▼ 1.1% | 1.92B▲ 4.5% | 2.01B▲ 4.6% | 2.01B▲ 0% |
| Asset Growth % | 6.8% | 6.96% | 22.47% | 25.57% | 14.44% | 3.81% | -1.11% | 4.54% | 4.64% | 14.02% |
| Return on Assets (ROA) | 1.54% | 1.7% | 2.12% | 1.73% | 1.64% | 1.29% | 1.47% | 1.29% | 1.48% | 1.54% |
| Accounts Payable | 1.99M | 2.89M | 4.71M | 4.2M | 4.29M | 4.91M | 6.39M | 6.34M | 7.92M | 0 |
| Total Debt | 0 | 0 | 0 | 12.63M | 7.36M | 2.07M | 36.87M | 21.57M | 23.08M | 26.03M |
| Net Debt | -191.22M | -212.15M | -221.36M | -367.37M | -601.32M | -337.58M | -107.04M | -153.36M | -227.57M | 2.85M |
| Long-Term Debt | 0 | 0 | 0 | 10M | 5M | 0 | 35M | 20M | 20M | 23.02M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1.13M | 1.24M | 3.13M | 3.11M | 3.07M | 2.79M | 2.64M | 2.48M | 2.53M | 1.71B |
| Total Current Liabilities | 839.89M | 892.4M | 1.07B | 1.36B | 1.57B | 1.64B | 1.57B | 1.65B | 1.72B | 3.02M |
| Total Non-Current Liabilities | 1.13M | 1.24M | 3.13M | 15.74M | 10.43M | 4.86M | 39.51M | 24.06M | 25.61M | 1.73B |
| Total Liabilities | 841.02M | 893.63M | 1.08B | 1.38B | 1.59B | 1.64B | 1.61B | 1.68B | 1.75B | 1.74B |
| Total Equity | 111M▲ 0% | 124.66M▲ 12.3% | 171.07M▲ 37.2% | 187.63M▲ 9.7% | 206.9M▲ 10.3% | 218.57M▲ 5.6% | 233.07M▲ 6.6% | 245.41M▲ 5.3% | 262.61M▲ 7.0% | 268.41M▲ 0% |
| Equity Growth % | 14.63% | 12.3% | 37.23% | 9.68% | 10.27% | 5.64% | 6.64% | 5.29% | 7.01% | 26.92% |
| Equity / Assets (Capital Ratio) | 11.66% | 12.24% | 13.72% | 11.98% | 11.54% | 11.75% | 12.67% | 12.76% | 13.05% | 13.38% |
| Return on Equity (ROE) | 13.63% | 14.19% | 16.24% | 13.53% | 13.98% | 11.09% | 12.01% | 10.15% | 11.48% | 11.73% |
| Book Value per Share | 15.04 | 16.56 | 20.20 | 22.28 | 24.50 | 26.07 | 28.26 | 30.37 | 33.02 | 33.88 |
| Tangible BV per Share | 14.03 | 15.54 | 17.89 | 19.92 | 22.15 | 23.79 | 26.08 | 28.27 | 30.98 | 31.94 |
| Common Stock | 13.29M | 14.39M | 43.03M | 42.4M | 42.67M | 38.75M | 34.77M | 29.86M | 26.3M | 26.02M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 98.23M | 110.53M | 127.99M | 145.17M | 164.17M | 180.53M | 199.39M | 215.53M | 236.61M | 242.62M |
| Accumulated OCI | -124K | -129K | 50K | 61K | 59K | -717K | -1.08M | 20K | -298K | -233K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Timberland Bancorp, Inc. (TSBK) cash flow — operating, investing & free cash flow history
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 13.86M | 21.45M | 18.11M | 33.86M | 29.64M | 26.5M | 31M | 23.02M | 30.16M | 30.16M |
| Operating CF Growth % | 17.28% | 54.77% | -15.58% | 86.97% | -12.47% | -10.58% | 16.97% | -25.73% | 31.01% | 680.1% |
| Net Income | 14.17M | 16.72M | 24.02M | 24.27M | 27.58M | 23.6M | 27.12M | 24.28M | 29.16M | 30.52M |
| Depreciation & Amortization | 1.75M | 1.78M | 2.7M | 2.82M | 3.04M | 2.84M | 2.66M | 2.58M | 2.49M | 1.87M |
| Deferred Taxes | 385K | 797K | 703K | 76K | 275K | -177K | -291K | -383K | -383K | -310K |
| Other Non-Cash Items | -1.83M | 1.1M | -6.6M | 4.01M | 273K | 1.9M | 377K | -251K | -3.29M | 5.72M |
| Working Capital Changes | -1.37M | -2K | -3.31M | 2.47M | -1.7M | -1.9M | 809K | -3.6M | 1.64M | 11.85M |
| Cash from Investing | -20.16M | -68.27M | -44.55M | -154.67M | 37.45M | -335.16M | -170.22M | -45.8M | -8.25M | -20.68M |
| Purchase of Investments | -3M | -6.07M | -34.08M | -51.47M | -71.75M | -208.78M | -32.6M | -44.95M | -52.89M | -44.31M |
| Sale/Maturity of Investments | 677K | 595K | 18.46M | 19.62M | 25.17M | 32.11M | 29.49M | 114.99M | 83.05M | 64.07M |
| Net Investment Activity | -2.32M | -5.48M | -15.61M | -31.85M | -46.58M | -176.67M | -3.1M | 70.04M | 30.16M | 19.76M |
| Acquisitions | 0 | 0 | 14.28M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -14.31M | -60.6M | -41.07M | -120.83M | 84.92M | -157.58M | -166.01M | -114.53M | -36.67M | -39.21M |
| Cash from Financing | 45.55M | 47.49M | 20.59M | 292.25M | 198.66M | 45.22M | -48.81M | 58.78M | 56.79M | 61.65M |
| Dividends Paid | -3.64M | -4.43M | -6.5M | -7.08M | -8.59M | -7.23M | -8.27M | -7.65M | -8.09M | -8.3M |
| Share Repurchases | 0 | 0 | -499K | -1.24M | -527K | -4.58M | -5M | -5.96M | -5.76M | -5.88M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 562K |
| Net Stock Activity | 0 | 0 | -499K | -1.24M | -527K | -4.58M | -5M | -5.96M | -5.76M | -5.31M |
| Debt Issuance (Net) | -1000K | 0 | 0 | 1000K | -1000K | -1000K | 1000K | -1000K | 0 | 0 |
| Other Financing | 79.19M | 51.93M | 27.58M | 290.57M | 212.78M | 62.04M | -70.54M | 87.39M | 70.63M | 75.26M |
| Net Change in Cash | 39.25M▲ 0% | 676K▼ 98.3% | -5.85M▼ 965.2% | 171.44M▲ 3031.0% | 265.74M▲ 55.0% | -263.44M▼ 199.1% | -188.03M▲ 28.6% | 36.01M▲ 119.1% | 78.7M▲ 118.6% | 82.79M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 108.94M | 148.19M | 148.86M | 143.01M | 314.45M | 580.2M | 316.75M | 128.72M | 164.73M | 243.43M |
| Cash at End | 148.19M | 148.86M | 143.01M | 314.45M | 580.2M | 316.75M | 128.72M | 164.73M | 243.43M | 246.86M |
| Interest Paid | 3.28M | 2.71M | 4.46M | 4.76M | 3.24M | 2.7M | 10.3M | 29.92M | 32.25M | 23.7M |
| Income Taxes Paid | 7.6M | 4.46M | 6.59M | 5.52M | 5.96M | 5.45M | 6.99M | 6.49M | 7.66M | 0 |
| Free Cash Flow | 10.33M▲ 0% | 19.26M▲ 86.4% | 15.96M▼ 17.2% | 31.87M▲ 99.7% | 28.74M▼ 9.8% | 25.59M▼ 11.0% | 29.89M▲ 16.8% | 21.71M▼ 27.4% | 28.42M▲ 30.9% | 40.09M▲ 0% |
| FCF Growth % | -6.36% | 86.43% | -17.17% | 99.72% | -9.82% | -10.96% | 16.81% | -27.37% | 30.92% | 195.25% |
Timberland Bancorp, Inc. (TSBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.63% | 14.19% | 16.24% | 13.53% | 13.98% | 11.09% | 12.01% | 10.15% | 11.48% | 11.73% |
| Return on Assets (ROA) | 1.54% | 1.7% | 2.12% | 1.73% | 1.64% | 1.29% | 1.47% | 1.29% | 1.48% | 1.54% |
| Net Interest Margin | 3.68% | 3.82% | 4.09% | 3.24% | 2.89% | 2.99% | 3.7% | 3.32% | 3.47% | 3.59% |
| Efficiency Ratio | 51.71% | 51.12% | 48.33% | 44.23% | 45.46% | 51.9% | 45.3% | 38.7% | 37.31% | 37.52% |
| Equity / Assets | 11.66% | 12.24% | 13.72% | 11.98% | 11.54% | 11.75% | 12.67% | 12.76% | 13.05% | 13.38% |
| Book Value / Share | 15.04 | 16.56 | 20.2 | 22.28 | 24.5 | 26.07 | 28.26 | 30.37 | 33.02 | 33.88 |
| NII Growth | 14.19% | 11.07% | 30.98% | -0.48% | 1.96% | 7.67% | 22.21% | -6.29% | 9.5% | 11.05% |
| Dividend Payout | 25.7% | 26.5% | 27.04% | 29.19% | 31.14% | 30.64% | 30.49% | 31.5% | 27.73% | 27.19% |
Timberland Bancorp, Inc. (TSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 30, 2026·SEC
Jan 29, 2026·SEC
Jan 27, 2026·SEC
Timberland Bancorp, Inc. (TSBK) stock FAQ — growth, dividends, profitability & financials explained
Timberland Bancorp, Inc. (TSBK) grew revenue by 8.8% over the past year. This is steady growth.
Yes, Timberland Bancorp, Inc. (TSBK) is profitable, generating $30.5M in net income for fiscal year 2025 (26.4% net margin).
Yes, Timberland Bancorp, Inc. (TSBK) pays a dividend with a yield of 2.47%. This makes it attractive for income-focused investors.
Timberland Bancorp, Inc. (TSBK) has a return on equity (ROE) of 11.5%. This is reasonable for most industries.
Timberland Bancorp, Inc. (TSBK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
Timberland Bancorp, Inc. (TSBK) has an efficiency ratio of 37.3%. This is excellent, indicating strong cost control.
Timberland Bancorp, Inc. (TSBK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates