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TSBK logoTimberland Bancorp, Inc.(TSBK)Earnings, Financials & Key Ratios

TSBK•NASDAQ•Banking & Credit
$41.18
$325M mkt cap·11.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutTimberland 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 accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate, construction, custom and owner/builder construction, speculative one- to four-family construction, commercial construction, multi-family construction, land development construction, and land development loans. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans; and automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans, as well as commercial business loans. As of September 30, 2021, the company operated 24 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington; and operated 25 proprietary automated teller machines. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.Show more
  • Net Interest Income$70M+9.5%
  • Total Revenue$110M+8.8%
  • Net Income$29M+20.1%
  • Return on Equity11.48%+13.1%
  • Net Interest Margin3.47%+4.6%
  • Efficiency Ratio37.31%-3.6%
  • ROA1.48%+14.8%
  • Equity / Assets13.05%+2.3%
  • Book Value per Share33.02+8.7%
  • Tangible BV/Share30.98+9.6%
  • Debt/Equity0.09
Technical→

TSBK Key Insights

Timberland Bancorp, Inc. (TSBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 37.3% efficiency ratio
  • ✓Well capitalized: 13.0% equity/assets
  • ✓Healthy dividend yield of 2.5%
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TSBK Price & Volume

Timberland Bancorp, Inc. (TSBK) stock price & volume — 10-year historical chart

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TSBK Growth Metrics

Timberland Bancorp, Inc. (TSBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.15%
5 Years9.62%
3 Years17.95%
TTM-

Profit CAGR

10 Years13.4%
5 Years3.74%
3 Years7.31%
TTM22.82%

EPS CAGR

10 Years12.11%
5 Years4.97%
3 Years9.18%
TTM24.92%

Return on Capital

10 Years15.17%
5 Years13.54%
3 Years12.64%
Last Year12.99%

TSBK Recent Earnings

Timberland Bancorp, Inc. (TSBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
Apr 28, 2026
EPS
$0.90
Revenue
$29M
Q1 2026
Jan 26, 2026
EPS
$1.04
Revenue
$30M
Q4 2025
Dec 9, 2025
EPS
$1.07
Revenue
$30M
Q3 2025
Jul 22, 2025
EPS
$0.90
Revenue
$27M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.90
$29M
Q1 2026Jan 26, 2026
$1.04
$30M
Q4 2025Dec 9, 2025
$1.07
$30M
Q3 2025Jul 22, 2025
$0.90
$27M
Based on last 12 quarters of dataView full earnings history →

TSBK Peer Comparison

Timberland Bancorp, Inc. (TSBK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
HONE logoHONEHarborOne Bancorp, Inc.Direct Competitor522.22M12.1018.3310.7%4.56%0.90
NECB logoNECBNortheast Community Bancorp, Inc.Direct Competitor337.14M24.377.50-1.55%13.07%0.21
CFFN logoCFFNCapitol Federal Financial, Inc.Product Competitor1.02B7.8315.0610.03%6.99%1.86
KRNY logoKRNYKearny Financial Corp.Product Competitor510.29M8.1219.325.09%4.31%1.68
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.36B45.2013.5710.36%9.51%0.17
FXNC logoFXNCFirst National CorporationProduct Competitor248.63M27.5014.0327.11%9.98%0.23
BSVN logoBSVNBank7 Corp.Product Competitor412.67M43.619.69-3.87%18.21%

Compare TSBK vs Peers

Timberland Bancorp, Inc. (TSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for TSBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TSBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, HONE, NECB, CFFN

TSBK Income Statement

Timberland Bancorp, Inc. (TSBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemSep'17Sep'18Sep'19Sep'20Sep'21Sep'22Sep'23Sep'24Sep'25TTM
Net Interest Income35.05M38.94M51M50.75M51.75M55.71M68.09M63.81M69.86M71.93M
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 Income38.25M41.71M55.56M55.45M54.85M58.39M79.68M94.46M101.94M103.97M
Interest Expense3.2M2.78M4.57M4.7M3.1M2.67M11.59M30.66M32.08M32.04M
Loan Loss Provision-1.25M04K3.92M-110K151K2.13M1.18M958K891K
Non-Interest Income9.77M9.84M11.18M14.35M13.77M8.94M7.55M7.08M8.55M9.5M
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 Expense24.83M26.35M32.26M30.87M31.2M34.94M39.52M39.3M41.23M42.57M
Efficiency Ratio51.71%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 Tax7.08M5.7M5.9M6.04M6.84M5.96M6.88M6.12M7.07M7.46M
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)14.17M16.72M24.02M24.27M27.58M23.6M27.12M24.28M29.16M30.52M
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)1.992.282.892.913.312.843.323.023.68-
Diluted Shares Outstanding7.38M7.53M8.47M8.42M8.44M8.38M8.25M8.08M7.95M7.92M

TSBK Balance Sheet

Timberland Bancorp, Inc. (TSBK) balance sheet — assets, liabilities & shareholders' equity

Line itemSep'17Sep'18Sep'19Sep'20Sep'21Sep'22Sep'23Sep'24Sep'25TTM
Cash & Short Term Investments192.46M213.31M243.89M437.9M671.85M381.06M185.68M247.19M281.89M889.61M
Cash & Due from Banks191.22M212.15M221.36M380M608.68M339.65M143.91M174.94M250.65M23.18M
Short Term Investments1.24M1.15M22.53M57.91M63.18M41.41M41.77M72.26M31.24M133.26M
Total Investments705.34M744.14M950.33M1.11B1.11B1.45B1.62B1.67B1.68B133.26M
Investments Growth %4.4%5.5%27.71%16.61%-0.02%30.43%12%3.17%0.83%-89.01%
Long-Term Investments704.1M742.99M927.79M1.05B1.04B1.4B1.58B1.6B1.65B4.93B
Accounts Receivables2.52M2.88M3.6M4.48M3.75M4.48M6M6.99M7.39M1.47B
Goodwill & Intangibles7.47M7.68M19.57M19.85M19.88M19.1M17.93M16.95M16.22M15.37M
Goodwill5.65M5.65M15.13M15.13M15.13M15.13M15.13M15.13M15.13M15.13M
Intangible Assets1.82M2.03M4.44M4.72M4.75M3.97M2.8M1.82M1.09M237K
PP&E (Net)18.42M18.95M22.83M25.62M24.65M23.88M23.41M22.96M24.63M24.68M
Other Assets27.05M32.49M29.45M27.87M27.33M28.36M30.14M31.89M30.21M2.78M
Total Current Assets194.98M216.19M247.49M442.39M675.6M385.55M191.68M254.18M289.28M1.62B
Total Non-Current Assets757.04M802.11M999.64M1.12B1.12B1.47B1.65B1.67B1.72B42.83M
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 Payable1.99M2.89M4.71M4.2M4.29M4.91M6.39M6.34M7.92M0
Total Debt00012.63M7.36M2.07M36.87M21.57M23.08M26.03M
Net Debt-191.22M-212.15M-221.36M-367.37M-601.32M-337.58M-107.04M-153.36M-227.57M2.85M
Long-Term Debt00010M5M035M20M20M23.02M
Short-Term Debt0000000000
Other Liabilities1.13M1.24M3.13M3.11M3.07M2.79M2.64M2.48M2.53M1.71B
Total Current Liabilities839.89M892.4M1.07B1.36B1.57B1.64B1.57B1.65B1.72B3.02M
Total Non-Current Liabilities1.13M1.24M3.13M15.74M10.43M4.86M39.51M24.06M25.61M1.73B
Total Liabilities841.02M893.63M1.08B1.38B1.59B1.64B1.61B1.68B1.75B1.74B
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 Share15.0416.5620.2022.2824.5026.0728.2630.3733.0233.88
Tangible BV per Share14.0315.5417.8919.9222.1523.7926.0828.2730.9831.94
Common Stock13.29M14.39M43.03M42.4M42.67M38.75M34.77M29.86M26.3M26.02M
Additional Paid-in Capital0000000000
Retained Earnings98.23M110.53M127.99M145.17M164.17M180.53M199.39M215.53M236.61M242.62M
Accumulated OCI-124K-129K50K61K59K-717K-1.08M20K-298K-233K
Treasury Stock0000000000
Preferred Stock0000000000

TSBK Cash Flow Statement

Timberland Bancorp, Inc. (TSBK) cash flow — operating, investing & free cash flow history

Line itemSep'17Sep'18Sep'19Sep'20Sep'21Sep'22Sep'23Sep'24Sep'25TTM
Cash from Operations13.86M21.45M18.11M33.86M29.64M26.5M31M23.02M30.16M30.16M
Operating CF Growth %17.28%54.77%-15.58%86.97%-12.47%-10.58%16.97%-25.73%31.01%680.1%
Net Income14.17M16.72M24.02M24.27M27.58M23.6M27.12M24.28M29.16M30.52M
Depreciation & Amortization1.75M1.78M2.7M2.82M3.04M2.84M2.66M2.58M2.49M1.87M
Deferred Taxes385K797K703K76K275K-177K-291K-383K-383K-310K
Other Non-Cash Items-1.83M1.1M-6.6M4.01M273K1.9M377K-251K-3.29M5.72M
Working Capital Changes-1.37M-2K-3.31M2.47M-1.7M-1.9M809K-3.6M1.64M11.85M
Cash from Investing-20.16M-68.27M-44.55M-154.67M37.45M-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 Investments677K595K18.46M19.62M25.17M32.11M29.49M114.99M83.05M64.07M
Net Investment Activity-2.32M-5.48M-15.61M-31.85M-46.58M-176.67M-3.1M70.04M30.16M19.76M
Acquisitions0014.28M0000000
Other Investing-14.31M-60.6M-41.07M-120.83M84.92M-157.58M-166.01M-114.53M-36.67M-39.21M
Cash from Financing45.55M47.49M20.59M292.25M198.66M45.22M-48.81M58.78M56.79M61.65M
Dividends Paid-3.64M-4.43M-6.5M-7.08M-8.59M-7.23M-8.27M-7.65M-8.09M-8.3M
Share Repurchases00-499K-1.24M-527K-4.58M-5M-5.96M-5.76M-5.88M
Stock Issued000000000562K
Net Stock Activity00-499K-1.24M-527K-4.58M-5M-5.96M-5.76M-5.31M
Debt Issuance (Net)-1000K001000K-1000K-1000K1000K-1000K00
Other Financing79.19M51.93M27.58M290.57M212.78M62.04M-70.54M87.39M70.63M75.26M
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 Effect0000000000
Cash at Beginning108.94M148.19M148.86M143.01M314.45M580.2M316.75M128.72M164.73M243.43M
Cash at End148.19M148.86M143.01M314.45M580.2M316.75M128.72M164.73M243.43M246.86M
Interest Paid3.28M2.71M4.46M4.76M3.24M2.7M10.3M29.92M32.25M23.7M
Income Taxes Paid7.6M4.46M6.59M5.52M5.96M5.45M6.99M6.49M7.66M0
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%

TSBK Banking Ratios

Timberland Bancorp, Inc. (TSBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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 Margin3.68%3.82%4.09%3.24%2.89%2.99%3.7%3.32%3.47%3.59%
Efficiency Ratio51.71%51.12%48.33%44.23%45.46%51.9%45.3%38.7%37.31%37.52%
Equity / Assets11.66%12.24%13.72%11.98%11.54%11.75%12.67%12.76%13.05%13.38%
Book Value / Share15.0416.5620.222.2824.526.0728.2630.3733.0233.88
NII Growth14.19%11.07%30.98%-0.48%1.96%7.67%22.21%-6.29%9.5%11.05%
Dividend Payout25.7%26.5%27.04%29.19%31.14%30.64%30.49%31.5%27.73%27.19%

TSBK SEC Filings & Documents

Timberland Bancorp, Inc. (TSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Jan 29, 2026·SEC

Material company update

Jan 27, 2026·SEC

10-K Annual Reports

4
FY 2025

Dec 9, 2025·SEC

FY 2024

Dec 11, 2024·SEC

FY 2023

Dec 11, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

Feb 6, 2026·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

TSBK Frequently Asked Questions

Timberland Bancorp, Inc. (TSBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More TSBK

Timberland Bancorp, Inc. (TSBK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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