Timberland Bancorp, Inc. (TSBK) AI Stock Analysis

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank, a community-focused financial institution founded in 1915 and headquartered in Hoquiam, Washington. The bank serves individual and business clients with a suite of deposit products, including checking, regular savings, money market accounts, and certificates of deposit. Its core lending activities span residential and commercial real estate, offering one-to four-family residential loans, multi-family loans, commercial real estate loans, and construction loans. In addition, Timberland Bancorp provides consumer lending products such as home equity lines of credit, automobile loans, and recreational vehicle loans.

Timberland Bancorp increased revenue from $68.6M in FY2021 to $110.5M in FY2025, achieving a five-year revenue CAGR of 9.6%. Annual revenue expanded 29.6% in FY2023, 16.4% in FY2024, and 8.8% in FY2025. Net income rose from $27.6M in FY2021 to $29.2M in FY2025, with diluted EPS moving from $3.14 to $3.68 over that period. Operating margin stood at 50.2% in FY2021, fell to 29.9% in FY2024, and rebounded to 32.8% in FY2025. For the trailing twelve months ended June 30, 2026, revenue was $85.8M with an operating margin of 47.3%. In the latest quarter, quarterly revenue grew 6.1% year-over-year, while quarterly earnings grew 9.0%.

As of June 30, 2026, Timberland Bancorp held $32.8M in cash and short-term investments against $14.3M in total debt, yielding net cash of $18.5M. The company reported a current ratio of 9.28 and a debt-to-equity ratio of 0.05 on $273.2M in shareholders' equity and $2.06B in total assets. In FY2025, operating cash flow reached $30.2M and free cash flow was $28.4M. Capital expenditures were $1.7M, while capital returns included $5.8M in share buybacks and $8.1M in dividends paid.

At $45.54, Timberland Bancorp trades at a trailing P/E of 11.4x, lower than the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 13.4x is higher than the peer median of 10.8x, and its price-to-sales ratio of 4.1x exceeds the peer median of 3.2x. The stock has a price-to-book ratio of 1.3x and a PEG ratio of 2.94. Over the past year, TSBK gained 50.0%, outperforming the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned 86.1% compared to 83.0% for the S&P 500.

Timberland Bancorp pays a forward annual dividend of $1.20 per share, representing a 2.63% dividend yield. The company distributes dividends quarterly and maintains a payout ratio of 29.1%. It has paid consecutive dividends for 14 years, achieving a 5-year annualized dividend growth rate of 5.6%. The last ex-dividend date was August 10, 2026.

Wall Street coverage provides a mean price target of $12.50 for Timberland Bancorp, which sits 72.6% below its last close of $45.54. Trailing twelve months diluted EPS stands at $3.99 following 9.0% quarterly earnings growth in the quarter ended June 30, 2026. The company is scheduled to report its next earnings on October 29, 2026.

This page is an AI-written research summary of Timberland Bancorp, Inc. (TSBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: TSBK income statement, TSBK balance sheet, TSBK key metrics, TSBK chart. See the TSBK stock overview for the latest quote and news.