Timberland Bancorp (TSBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Timberland Bancorp

NasdaqGM•Financial Services•Banks - Regional

$46.45+0.36(0.01%)Market closed

Market Cap

$363.10M

P/E

11.5x

P/S

3.0x

P/B

1.3x

Timberland 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 loans, and land loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. The company was founded in 1915 and is headquartered in Hoquiam, Washington.

How this company scores

ExcellentMetricSide Score: 86/100

Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability23/25

Growth21/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.5x5y range 7.6x – 11.5x

Currently above its 20-quarter median.

P/S · 3.0x5y range 2.1x – 3.7x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.9x – 1.3x

Price & Volume

Market Cap $363.10M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $119.08M
Q. Revenue: $29.66M
TTM EBITDA: $40.96M
TTM Op. Income: $39.14M
Q. Op. Income: $9.65M
TTM Net Income: $31.51M
Q. Net Income: $7.72M
EPS: $0.99
Shares Out.: $7.81M

$119.08M in TTM revenue grew 6.4% YoY, reaching $29.66M last quarter. TTM EBITDA of $40.96M and TTM operating income of $39.14M show growth is flowing through to the bottom line. TTM net income of $31.51M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.5%
EBITDA Margin: 36.3%
Op. Margin: 32.5%
Net Margin: 26.0%

Op. margin of 32.5% is up 1.2% YoY — cost efficiency is improving. Net margin at 26.0% and gross margin of 73.5% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 4% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.5x
P/S Ratio: 3.0x
P/B Ratio: 1.3x

At 11.5x P/E, the stock trades below typical market levels. P/S of 3.0x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.06B
Cash: $246.08M
Long-Term Debt: $10.00M
Book Value: $273.21M
D/E Ratio: 0.0
Debt/EBITDA: 0.9

With $2.06B in assets and $10.00M in long-term debt, D/E is 0.0and book value is $273.21M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $8.36M
TTM Free Cash Flow: $29.08M
FCF Margin: 24.4%
FCF / Net Income: 0.9

TTM FCF of $29.08M on $8.36M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.