Timberland Bancorp, Inc. (TSBK)
Valuation Overview•Is Timberland Bancorp, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 71/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral. This is paired with healthy capital returns, driven by a balanced mix of reliable dividends and share buybacks.
TSBK demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($228M) and minimal debt risk.
The company maintains stable top-line performance paired with robust earnings compounding (9.2% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 33.2% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $28.8M | +8.8% | — | — | +11.2% | |
| EBITDA | $9.4M | — | +6.1% | — | — | |
| Net Income | $7.1M | +20.1% | +7.3% | — | +13.4% | |
| EPS (Diluted) | $0.90 | +21.9% | +9.2% | +5.0% | +12.1% | |
| Free Cash Flow | $3.9M | +30.9% | +3.6% | -2.3% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 71.2% | 74.3% | 82.9% | 87.6% |
| Operating Margin | 33.2% | 33.9% | 39.2% | 40.7% |
| Net Margin | 26.7% | 27.1% | 31.3% | 31.3% |
| FCF Margin | 27.5% | 27.1% | 32.3% | 31.5% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.90 | — | ||
| Q1'26 | — | $1.04 | — | ||
| Q4'25 | — | $1.07 | — | ||
| Q3'25 | — | $0.90 | — | ||
| Q2'25 | — | $0.85 | — | ||
| Q1'25 | — | $0.86 | — | ||
| Q4'24 | — | $0.80 | — | ||
| Q4'24 | — | $0.79 | — |
Total return is +45.6% (1Y), outperforming the benchmark by +24.7%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +27.9% | +20.6% | — |
| 1Y | +45.6% | +24.7% | +3.6% |
| 3YCAGR | +24.4% | +4.3% | +12.4% |
| 5YCAGR | +11.9% | 0.0% | +17.7% |
| 10YCAGR | +13.3% | -0.7% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Timberland Bancorp, Inc. (TSBK) valuation, health, and returns.
Based on peer relative multiples, Timberland Bancorp, Inc. appears Fair versus peers compared to industry peers.
Timberland Bancorp, Inc. has multiple valuation anchors: Peer Relative Fair Value: $45.90. A convergence of these signals offers higher conviction.
Timberland Bancorp, Inc. displays good financial health with a composite quality score of 71/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 9.8%.
Timberland Bancorp, Inc. pays a 2.3% dividend yield, covered by a 28% payout ratio with 12 years of growth, supplemented by a 1.6% buyback yield.
Timberland Bancorp, Inc.'s current growth trajectory is Stable. The company achieved +8.8% 1Y revenue growth and +21.9% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 1 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for Timberland Bancorp, Inc. include: -14.5% 1-year max drawdown. Volatility risk is characterized by a beta of 0.46x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.