TSBK

Timberland Bancorp, Inc.

Financial Services · USD

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Price alert · TSBK

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46.82 USD -0.44 -0.93%
As of Oct 30, 2026 Extended hours 46.82 0.00%
Bid
46.75 × 2
Ask
47.09 × 2
46.75 Day range 47.51
31.25 52-week range 47.90
YTD
+30.78%
1 year
+49.82%
Open
47.51
Prev close
47.26
Mkt cap
364.06M
Vol
15.50K
Avg vol
34.40K
EPS
3.99
P/E
11.73
Div yield
3.20%
More statistics
Low
46.75
High
47.51
Forward P/E
0.00
Beta
0.65
Short ratio
1.40
Inst. own
64.94%
Dividend
1.00
Ex-div date
Nov 14, 2024
50-d avg
31.71
200-d avg
28.42
1y target
0.00

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Financial health

Altman Z-Score

0.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 9.0×
FY 2016: 10.6×FY 2017: 15.7×FY 2018: 14.5×FY 2019: 9.5×FY 2020: 6.2×FY 2021: 8.7×FY 2022: 9.7×FY 2023: 8.2×FY 2024: 10.0×FY 2025: 9.0×
FY 2016 5y median 9.0× FY 2025
P/S 2.4×
FY 2016: 2.5×FY 2017: 4.7×FY 2018: 4.7×FY 2019: 3.4×FY 2020: 2.1×FY 2021: 3.5×FY 2022: 3.4×FY 2023: 2.5×FY 2024: 2.4×FY 2025: 2.4×
FY 2016 5y median 2.5× FY 2025
P/B 1.0×
FY 2016: 1.1×FY 2017: 2.0×FY 2018: 1.9×FY 2019: 1.3×FY 2020: 0.8×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 9.3×
FY 2016: 9.8×FY 2017: 21.6×FY 2018: 12.6×FY 2019: 14.3×FY 2020: 4.7×FY 2021: 8.4×FY 2022: 9.0×FY 2023: 7.4×FY 2024: 11.2×FY 2025: 9.3×
FY 2016 5y median 9.0× FY 2025
EV/EBITDA 0.9×
FY 2016: -1.4×FY 2017: 1.4×FY 2018: 1.3×FY 2019: 0.2×FY 2020: -6.6×FY 2021: -9.6×FY 2022: -3.3×FY 2023: 3.1×FY 2024: 2.7×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
EV/Sales 0.3×
FY 2016: -0.6×FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.1×FY 2020: -3.1×FY 2021: -5.3×FY 2022: -1.6×FY 2023: 1.3×FY 2024: 0.9×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
FCF Yield 10.8%
FY 2016: 10.2%FY 2017: 4.6%FY 2018: 7.9%FY 2019: 7.0%FY 2020: 21.3%FY 2021: 11.9%FY 2022: 11.1%FY 2023: 13.5%FY 2024: 8.9%FY 2025: 10.8%
FY 2016 5y median 11.1% FY 2025

Profitability

Gross Margin 70.1%
FY 2016: 90.6%FY 2017: 95.9%FY 2018: 94.6%FY 2019: 93.2%FY 2020: 87.6%FY 2021: 95.6%FY 2022: 95.8%FY 2023: 84.3%FY 2024: 68.6%FY 2025: 70.1%
FY 2016 5y median 84.3% FY 2025
Operating Margin 32.8%
FY 2016: 34.9%FY 2017: 44.2%FY 2018: 43.5%FY 2019: 44.8%FY 2020: 43.4%FY 2021: 50.2%FY 2022: 43.9%FY 2023: 39.0%FY 2024: 29.9%FY 2025: 32.8%
FY 2016 5y median 39.0% FY 2025
Net Margin 26.4%
FY 2016: 23.5%FY 2017: 29.5%FY 2018: 32.4%FY 2019: 36.0%FY 2020: 34.8%FY 2021: 40.2%FY 2022: 35.1%FY 2023: 31.1%FY 2024: 23.9%FY 2025: 26.4%
FY 2016 5y median 31.1% FY 2025
ROE 11.1%
FY 2016: 10.5%FY 2017: 12.8%FY 2018: 13.4%FY 2019: 14.0%FY 2020: 12.9%FY 2021: 13.3%FY 2022: 10.8%FY 2023: 11.6%FY 2024: 9.9%FY 2025: 11.1%
FY 2016 5y median 11.1% FY 2025
ROIC 10.1%
FY 2016: 7.9%FY 2017: 12.6%FY 2018: 13.3%FY 2019: 13.8%FY 2020: 11.9%FY 2021: 12.7%FY 2022: 10.6%FY 2023: 9.9%FY 2024: 9.0%FY 2025: 10.1%
FY 2016 5y median 10.1% FY 2025
ROA 1.4%
FY 2016: 1.1%FY 2017: 1.5%FY 2018: 1.6%FY 2019: 1.9%FY 2020: 1.5%FY 2021: 1.5%FY 2022: 1.3%FY 2023: 1.5%FY 2024: 1.3%FY 2025: 1.4%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue 8.8%
FY 2016: 12.4%FY 2017: 11.3%FY 2018: 7.4%FY 2019: 29.5%FY 2020: 4.6%FY 2021: -1.7%FY 2022: -1.9%FY 2023: 29.6%FY 2024: 16.4%FY 2025: 8.8%
FY 2016 FY 2025
Operating Income 19.2%
FY 2016: 20.6%FY 2017: 41.1%FY 2018: 5.6%FY 2019: 33.4%FY 2020: 1.3%FY 2021: 13.6%FY 2022: -14.1%FY 2023: 15.0%FY 2024: -10.6%FY 2025: 19.2%
FY 2016 FY 2025
EPS (diluted) 21.9%
FY 2016: 22.2%FY 2017: 34.3%FY 2018: 15.6%FY 2019: 27.9%FY 2020: 1.4%FY 2021: 13.5%FY 2022: -13.8%FY 2023: 16.7%FY 2024: -8.5%FY 2025: 21.9%
FY 2016 FY 2025
Free Cash Flow 30.9%
FY 2016: 59.4%FY 2017: -6.4%FY 2018: 86.4%FY 2019: -17.2%FY 2020: 99.7%FY 2021: -9.8%FY 2022: -11.0%FY 2023: 16.8%FY 2024: -27.4%FY 2025: 30.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 0.3×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -5.9×
FY 2016: -7.8×FY 2017: -8.3×FY 2018: -8.8×FY 2019: -6.8×FY 2020: -11.1×FY 2021: -16.1×FY 2022: -10.4×FY 2023: -2.9×FY 2024: -4.6×FY 2025: -5.9×
FY 2016 5y median -5.9× FY 2025
Interest Coverage 1.1×
FY 2016: 3.7×FY 2017: 6.6×FY 2018: 8.1×FY 2019: 6.6×FY 2020: 6.4×FY 2021: 11.1×FY 2022: 11.1×FY 2023: 2.9×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 2.9× FY 2025

Dividends

Dividend Yield 3.1%
FY 2016: 2.4%FY 2017: 1.6%FY 2018: 1.8%FY 2019: 2.8%FY 2020: 4.7%FY 2021: 3.6%FY 2022: 3.1%FY 2023: 3.7%FY 2024: 3.1%FY 2025: 3.1%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 27.7%
FY 2016: 25.4%FY 2017: 25.7%FY 2018: 26.5%FY 2019: 27.0%FY 2020: 29.2%FY 2021: 31.1%FY 2022: 30.6%FY 2023: 30.5%FY 2024: 31.5%FY 2025: 27.7%
FY 2016 5y median 30.6% FY 2025

Annual · latest fiscal year ends 2025-09-30