Timberland Bancorp, Inc. (TSBK) Key Metrics
TSBK valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $354.1M
- Enterprise value
- $114.4M
- P/E (TTM)
- 11.4 10-yr median 9.8
- Forward P/E
- 13.4
- PEG ratio
- 2.94
- Price / sales
- 4.1 10-yr median 3.0
- Price / book
- 1.3 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 0.9
- Dividend yield
- 2.64% $1.20 a year
- Beta
- 0.30
TSBK key metrics, FY2016–FY2025
Fiscal year ended September 30, 2025 · U.S. dollarsTSBK valuation Price multiples at each fiscal year-end price.
TSBK returns How much profit the business earns on the capital it uses.
TSBK per-share figures Results divided by the shares outstanding at year-end.
TSBK financial health Debt, liquidity and how easily interest is covered.
TSBK efficiency & capital use Working capital cycle and where the cash goes.
TSBK valuation history
TSBK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
TSBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
TSBK cash returned to shareholders
TSBK price vs earnings per share
TSBK key metrics
FY2016–FY2025| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $264.7M | $244.5M | $223.5M | $231.8M | $244.0M | $151.6M | $232.9M | $235.1M | $231.3M | $111.9M |
| Enterprise value | $5.9M | $18.9M | $74.7M | −$147.2M | −$420.5M | −$273.7M | −$11.0M | $21.8M | $38.8M | −$21.4M |
| P/E ratio | 9.1 | 10.1 | 8.2 | 9.8 | 8.8 | 6.2 | 9.7 | 14.1 | 16.3 | 11.0 |
| Price / sales | 2.4 | 2.4 | 2.6 | 3.4 | 3.6 | 2.2 | 3.5 | 4.6 | 4.8 | 2.6 |
| Price / book | 1.0 | 1.0 | 1.0 | 1.1 | 1.2 | 0.8 | 1.4 | 1.9 | 2.1 | 1.2 |
| Price / free cash flow | 9.3 | 11.3 | 7.5 | 9.1 | 8.5 | 4.8 | 14.6 | 12.2 | 22.4 | 10.1 |
| Price / operating cash flow | 8.8 | 10.6 | 7.2 | 8.7 | 8.2 | 4.5 | 12.9 | 11.0 | 16.7 | 9.5 |
| EV / sales | 0.1 | 0.2 | 0.9 | -2.2 | -6.1 | -3.9 | -0.2 | 0.4 | 0.8 | -0.5 |
| EV / EBITDA | 0.2 | 0.6 | 2.0 | — | — | — | — | 0.9 | 1.7 | — |
| EV / free cash flow | 0.2 | 0.9 | 2.5 | — | — | — | — | 1.1 | 3.8 | — |
| Earnings yield | 11.0% | 9.9% | 12.1% | 10.2% | 11.3% | 16.0% | 10.3% | 7.1% | 6.1% | 9.1% |
| Free cash flow yield | 10.7% | 8.9% | 13.4% | 11.0% | 11.8% | 21.0% | 6.9% | 8.2% | 4.5% | 9.9% |
| Dividend yield | 3.1% | 3.1% | 3.7% | 3.1% | 3.5% | 4.7% | 2.8% | 1.9% | 1.6% | 2.3% |
| Shareholder yield (dividends + buybacks) | 5.2% | 5.6% | 5.9% | 5.1% | 3.7% | 5.5% | 3.0% | 1.9% | 1.6% | 3.0% |
| Share price at fiscal year-end | $33.28 | $30.26 | $27.10 | $27.65 | $28.90 | $18.00 | $27.50 | $31.24 | $31.34 | $15.75 |
| Per share | ||||||||||
| Revenue per share | $13.89 | $12.57 | $10.58 | $8.03 | $8.13 | $8.29 | $7.88 | $6.85 | $6.51 | $6.07 |
| Earnings per share | $3.67 | $3.01 | $3.29 | $2.82 | $3.27 | $2.88 | $2.84 | $2.22 | $1.92 | $1.43 |
| Operating cash flow per share | $3.79 | $2.85 | $3.76 | $3.16 | $3.51 | $4.02 | $2.14 | $2.85 | $1.88 | $1.66 |
| Free cash flow per share | $3.57 | $2.69 | $3.62 | $3.05 | $3.40 | $3.78 | $1.88 | $2.56 | $1.40 | $1.55 |
| Cash per share | $35.45 | $30.59 | $22.51 | $45.45 | $79.56 | $51.99 | $28.80 | $28.34 | $26.08 | $22.98 |
| Book value per share | $33.02 | $30.37 | $28.26 | $26.07 | $24.50 | $22.28 | $20.20 | $16.56 | $15.04 | $13.63 |
| Tangible book value per share | $30.98 | $28.27 | $26.08 | $23.79 | $22.15 | $19.92 | $17.89 | $15.54 | $14.03 | $12.61 |
| Dividends per share | $1.02 | $0.95 | $1.00 | $0.86 | $1.02 | $0.84 | $0.77 | $0.59 | $0.49 | $0.36 |
| Capex per share | $0.22 | $0.16 | $0.13 | $0.11 | $0.11 | $0.24 | $0.25 | $0.29 | $0.48 | $0.11 |
| Debt per share | $2.90 | $2.67 | $4.47 | $0.25 | $0.87 | $1.50 | — | $0.00 | $0.00 | $4.22 |
| Shares outstanding | 8.0M | 8.1M | 8.2M | 8.4M | 8.4M | 8.4M | 8.5M | 7.5M | 7.4M | 7.1M |
| Change in shares outstanding | −1.6% | −2.0% | −1.6% | −0.7% | +0.3% | −0.5% | +12.5% | +2.0% | +3.9% | +0.5% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.5% | 10.1% | 12.0% | 11.1% | 14.0% | 13.5% | 16.2% | 14.2% | 13.6% | 10.9% |
| Return on invested capital (ROIC) | 247.2% | 46.7% | — | — | — | — | — | — | — | — |
| Return on assets (ROA) | 1.5% | 1.3% | 1.5% | 1.3% | 1.6% | 1.7% | 2.1% | 1.7% | 1.5% | 1.2% |
| Return on tangible assets | 1.5% | 1.3% | 1.5% | 1.3% | 1.6% | 1.6% | 2.0% | 1.7% | 1.5% | 1.1% |
| Free cash flow margin | 25.7% | 21.4% | 34.3% | 38.0% | 41.9% | 45.7% | 23.9% | 37.4% | 21.5% | 25.6% |
| Income quality (OCF / net income) | 1.03 | 0.95 | 1.14 | 1.12 | 1.07 | 1.40 | 0.75 | 1.28 | 0.98 | 1.16 |
| Financial health | ||||||||||
| Total debt | $23.1M | $21.6M | $36.9M | $2.1M | $7.4M | $12.6M | — | $0 | $0 | $30.0M |
| Cash & short-term investments | $281.9M | $247.2M | $185.7M | $381.1M | $671.9M | $437.9M | $243.9M | $213.3M | $192.5M | $163.3M |
| Net debt | −$258.8M | −$225.6M | −$148.8M | −$379.0M | −$664.5M | −$425.3M | −$243.9M | −$213.3M | −$192.5M | −$133.3M |
| Debt / equity | 0.09 | 0.09 | 0.16 | 0.01 | 0.04 | 0.07 | — | 0.00 | 0.00 | 0.31 |
| Debt / assets | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 | 0.01 | — | 0.00 | 0.00 | 0.03 |
| Net debt / EBITDA | −6.68 | −6.84 | −4.06 | −11.70 | −17.74 | −12.84 | −7.47 | −8.81 | −8.37 | −7.87 |
| Current ratio | 0.17 | 0.15 | 0.12 | 0.24 | 0.43 | 0.32 | 0.23 | 0.24 | 0.23 | 0.22 |
| Quick ratio | 0.17 | 0.15 | 0.22 | 0.45 | 0.43 | 0.32 | 0.23 | 0.24 | 0.23 | 0.21 |
| Interest coverage | 1.1 | 1.0 | 2.9 | 11.1 | 11.1 | 6.4 | 6.6 | 8.1 | 6.6 | 3.7 |
| Working capital | −$1.44B | −$1.40B | −$1.38B | −$1.25B | −$899.2M | −$920.2M | −$825.4M | −$676.2M | −$644.9M | −$597.9M |
| Invested capital | $3.8M | $19.8M | $84.3M | −$160.4M | −$457.6M | −$237.6M | −$72.8M | −$88.7M | −$81.5M | −$36.4M |
| Tangible asset value | $246.4M | $228.5M | $215.1M | $199.5M | $187.0M | $167.8M | $151.5M | $117.0M | $103.5M | $89.6M |
| Net current asset value | −$1.46B | −$1.42B | −$1.42B | −$1.26B | −$909.7M | −$936.0M | −$828.6M | −$677.4M | −$646.0M | −$628.9M |
| Graham number | $52.20 | $45.32 | $45.72 | $40.64 | $42.44 | $38.00 | $35.91 | $28.77 | $25.49 | $20.93 |
| Graham net-net per share | −$183.93 | −$176.44 | −$180.85 | −$170.53 | −$107.82 | −$111.20 | −$97.83 | −$89.95 | −$87.36 | −$88.26 |
| Capital allocation | ||||||||||
| Dividends paid | $8.1M | $7.7M | $8.3M | $7.2M | $8.6M | $7.1M | $6.5M | $4.4M | $3.6M | $2.6M |
| Share buybacks (net) | $5.8M | $6.0M | $5.0M | $4.6M | $527,000 | $1.2M | $499,000 | $0 | $0 | $820,000 |
| Dividend payout ratio | 27.7% | 31.5% | 30.5% | 30.6% | 31.1% | 29.2% | 27.0% | 26.5% | 25.7% | 25.4% |
| Dividends + buybacks / free cash flow | 48.7% | 62.7% | 44.4% | 46.2% | 31.7% | 26.1% | 43.8% | 23.0% | 35.2% | 30.8% |
| Capex / revenue | 1.6% | 1.3% | 1.3% | 1.4% | 1.3% | 2.8% | 3.2% | 4.2% | 7.3% | 1.8% |
| Capex / operating cash flow | 5.8% | 5.7% | 3.6% | 3.4% | 3.0% | 5.9% | 11.9% | 10.2% | 25.4% | 6.6% |
| Capex / depreciation | 0.70 | 0.51 | 0.42 | 0.32 | 0.29 | 0.71 | 0.80 | 1.23 | 2.02 | 0.42 |
| Stock-based compensation / revenue | 0.5% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.9% | 2.0% | 1.6% | 1.4% |
| SG&A / revenue | 23.1% | 24.9% | 28.7% | 32.7% | 28.8% | 31.6% | 35.4% | 37.3% | 38.1% | 40.4% |
| Efficiency | ||||||||||
| Days sales outstanding | 23.8 | 23.4 | 21.9 | 22.3 | 21.9 | 21.1 | 17.7 | 19.1 | 18.5 | 19.1 |
| Days of inventory on hand | — | — | -6,571.2 | -22,211.1 | 83.3 | 64.1 | 171.6 | 404.2 | 814.1 | 611.2 |
| Days payables outstanding | 78.8 | 72.9 | 150.2 | 594.3 | 517.8 | 188.6 | 303.5 | 320.9 | 377.3 | 175.7 |
| Cash conversion cycle (days) | -55.0 | -49.6 | -6,699.4 | -22,783.2 | -412.7 | -103.4 | -114.2 | 102.5 | 455.3 | 454.6 |
| Receivables turnover | 15.36 | 15.63 | 16.64 | 16.37 | 16.68 | 17.27 | 20.62 | 19.10 | 19.73 | 19.10 |
| Payables turnover | 4.63 | 5.00 | 2.43 | 0.61 | 0.70 | 1.94 | 1.20 | 1.14 | 0.97 | 2.08 |
| Inventory turnover | — | — | — | — | 4.38 | 5.70 | 2.13 | 0.90 | 0.45 | 0.60 |
| Asset turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 |
| Average receivables | $7.2M | $6.5M | $5.2M | $4.1M | $4.1M | $4.0M | $3.2M | $2.7M | $2.4M | $2.3M |
| Average payables | $7.1M | $6.4M | $5.6M | $4.6M | $4.2M | $4.5M | $3.8M | $2.4M | $2.0M | $2.0M |
| Average inventory | — | — | −$247.1M | −$171.9M | $683,000 | $1.5M | $2.1M | $3.1M | $4.3M | $6.8M |
| Intangibles / total assets | 0.8% | 0.9% | 1.0% | 1.0% | 1.1% | 1.3% | 1.6% | 0.8% | 0.8% | 0.8% |
Computed from TSBK's annual financial statements (latest annual report filed December 9, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
TSBK valuation and financial ratios
At the end of fiscal 2025 (September 30, 2025), Timberland Bancorp traded at 9.1 times earnings, against a 10-year median of 9.8. Based on the latest twelve months, the trailing P/E is 11.4 and the forward P/E is 13.4. Timberland Bancorp earned a return on equity of 11.5% and a return on invested capital of 247.2% in fiscal 2025. It ended the year with $23.1 million of debt and $281.9 million in cash and short-term investments, a net cash position of $258.8 million. It returned $13.8 million to shareholders: $8.1 million in dividends and $5.8 million in share buybacks, 49% of free cash flow. The share count rose 11.9% from 7.1M to 8.0M over 9 years.
See the TSBK income statement, the TSBK chart for price history, or the TSBK stock overview for the latest quote and news.
TSBK key metrics FAQ
What is Timberland Bancorp's P/E ratio?
Timberland Bancorp's trailing P/E ratio is 11.4 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 13.4. At the end of fiscal 2025 it was 9.1, compared with a 10-year median of 9.8.
What is Timberland Bancorp's EV/EBITDA?
Timberland Bancorp's enterprise value was 0.2 times EBITDA at the end of fiscal 2025 (enterprise value $5.9 million, EBITDA $38.7 million).
What is Timberland Bancorp's return on equity?
Timberland Bancorp's return on equity (ROE) was 11.5% in fiscal 2025: net income of $29.2 million on average shareholders' equity of $254.0 million.
What is Timberland Bancorp's ROIC?
Timberland Bancorp's return on invested capital was 247.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Timberland Bancorp have?
Timberland Bancorp had total debt of $23.1 million at the end of fiscal 2025, a debt-to-equity ratio of 0.09 and more cash than debt.
What is Timberland Bancorp's dividend yield?
Timberland Bancorp's forward dividend yield is 2.64%. Timberland Bancorp paid $8.1 million in dividends in fiscal 2025 ($1.02 per share), a payout ratio of 27.7%.
Does Timberland Bancorp buy back its shares?
Yes. Timberland Bancorp spent $5.8 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.6% over the year, to 8.0M..
What is Timberland Bancorp's free cash flow yield?
Timberland Bancorp generated $28.4 million of free cash flow in fiscal 2025, a free cash flow yield of 10.7% on its market value at year-end ($264.7 million).
What is Timberland Bancorp's current ratio?
Timberland Bancorp's current ratio was 0.17 at the end of fiscal 2025: current assets were 0.17 times current liabilities.