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Timberland Bancorp, Inc.

TSBK Financial Banks Regional

Timberland Bancorp, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $114.6 million, up 8.18% from fiscal 2024.

Revenue
+4.36%
EPS
+10.0%
Free cash flow
−24.9%
Total debt
−50.0%

Quarter to June 2026, against a year earlier

47.73 0.04 −0.08%
Market cap
$371.8M
P/E
11.9×
Fwd P/E
—
Dividend yield
2.44%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 1.30
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 2 1 5 — — — 1 1 4 — — 2
Insider Ownership 7.37%

Capital & Financial Ratios $m

Size
Market Cap 371.75
Revenue ttm 119.08
Net income ttm 31.51
Free cash flow ttm 29.08
Net debt Q (244.05)
Valuation
P/E 11.86
Forward P/E —
Price / sales 3.12
Forward P/S Powerpack
Price / FCF 12.77
Price / book 1.36
Financial health
Current ratio Q 1.00
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q +4.36% (above 0%: growing)
Operating income growth Q +8.53% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +4.97%
EPS, next 5 yrs A +13.00%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 79.50%
10-year low 10-year high
P/S against its own 10 years 56.62%
10-year low 10-year high
P/B against its own 10 years 74.92%
10-year low 10-year high

Dividends

Yield
2.44%
Annual rate
1.16
Payout ratio
29.1%
Growth, 2018–26
+10.7%/yr
  1. 0.39 ’18
  2. 0.45 ’19 +15
  3. 0.80 ’20 +78
  4. 0.63 ’21 −21
  5. 0.66 ’22 +5
  6. 0.92 ’23 +39
  7. 0.97 ’24 +5
  8. 1.05 ’25 +8
  9. 0.88 ’26 −16
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 144 175 251 254
Receivables — — — —
Inventory — — — —
Other — — — —
1,453 1,603 1,723 1,760
2023 2024 2025 Q'26
Payables 1,561 1,648 1,717 1,764
ST’ Debt — — — —
Other — — — —
1,561 1,648 1,717 1,764

Compound Annual Growth %

10y 5y 3y
Sales 10.91% 9.51% 17.24%
Cash Flow 14.74% (2.29%) 4.40%
Earnings 13.40% 3.74% 7.31%
Book Value 11.40% 6.96% 6.31%

Earnings Trends EPS, adjusted, against the consensus

Q4 FY14 Estimate 0.23 Actual 0.24

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY14 0.21 0.16 Miss by 0.05
Q2 FY14 0.21 0.20 Miss by 0.01
Q3 FY14 0.22 0.23 Beat by 0.01
Q4 FY14 0.23 0.24 Beat by 0.01

EPS $

Dec Mar Jun Sep Year
’26 1.04 0.90 0.98 — —
’25 0.86 0.85 0.90 1.07 3.67
’24 0.77 0.70 0.74 0.79 3.01
’23 0.90 0.80 0.77 0.81 3.29
’22 0.65 0.63 0.69 0.85 2.82
’21 0.87 0.86 0.83 0.71 3.27
’20 0.78 0.60 0.74 0.76 2.88
Fiscal quarters ending in the months shown.

Revenue $m

Dec Mar Jun Sep Year
’26 30 29 30 — —
’25 28 28 28 31 115
’24 25 26 27 28 106
’23 22 22 23 24 91
’22 17 17 18 20 71
’21 19 18 18 17 72
’20 18 18 19 18 73
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Dec Mar Jun Sep Year
’26 6 7 8 — —
’25 (3) 12 11 10 30
’24 5 4 7 7 23
’23 9 6 8 8 31
’22 4 5 9 8 27
’21 1 9 13 7 30
’20 9 6 6 12 34
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Dec Mar Jun Sep Year
’26 6 6 8 — —
’25 (4) 12 10 9 28
’24 5 4 7 6 22
’23 9 6 8 7 30
’22 4 5 8 8 26
’21 1 9 12 7 29
’20 9 5 6 12 32
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 46 51 54 70 73 72 71 91 106 115 119 +10.7% — — — —
Gross margin, % 91.10 93.70 94.89 93.48 93.54 95.70 96.24 87.27 71.07 72.02 73.10 (19.1) pt
EBT 15 21 22 30 30 34 30 34 30 36 39 +10.2%
EBT margin, % 32.90 41.89 41.23 42.70 41.65 47.74 41.56 37.32 28.70 31.61 32.87 (1.3) pt
Net income 10 14 17 24 24 28 24 27 24 29 32 +12.4%
Per share, $
Per share, $ Revenue 6.69 7.10 7.41 8.42 8.74 8.65 8.57 11.14 13.18 14.48 15.26 +9.0%
Earnings 1.48 1.99 2.28 2.89 2.91 3.31 2.84 3.32 3.02 3.68 4.01 +10.7%
Cash flow 1.73 1.94 2.92 2.18 4.07 3.55 3.19 3.79 2.86 3.81 4.00 +9.2%
Capex (0.09) (0.49) (0.23) (0.26) (0.20) (0.11) (0.11) (0.14) (0.16) (0.22) (0.28) +9.9%
Free cash flow 1.63 1.45 2.69 1.92 3.86 3.45 3.08 3.66 2.70 3.59 3.73 +9.1%
Book value 14.15 15.55 16.99 20.56 22.53 24.81 26.32 28.51 30.53 33.17 35.00 +9.9%
Shares, m 7 7 7 8 8 8 8 8 8 8 8 +1.6%
Valuation, ×
Valuation, × P/E 10.57 15.58 14.59 9.52 6.16 8.73 9.70 8.12 9.99 9.04 11.86 10.2
P/S 2.36 4.36 4.47 3.27 2.06 3.34 3.23 2.41 2.30 2.30 3.12 3.0
P/B 1.11 1.99 1.95 1.34 0.80 1.17 1.05 0.94 0.99 1.00 1.36 1.2
EV/Sales (0.53) 1.18 1.12 0.53 (3.02) (5.03) (1.52) 1.22 0.83 0.29 — (0.5)
EV/FCF (2.16) 5.81 3.08 2.34 (6.84) (12.62) (4.22) 3.71 4.07 1.16 — (0.6)
Cash, $m
Cash, $m Operating cash flow 12 14 21 18 34 30 27 31 23 30 31 +11.0%
Capex (1) (4) (2) (2) (2) (1) (1) (1) (1) (2) (2) +11.7%
Free cash flow 11 10 20 16 32 29 26 30 22 28 29 +10.9%
Balance, $m
Balance, $m Working capital 70 50 53 49 44 14 (155) (108) (44) 6 (4) (23.7%)
Net debt (132) (191) (212) (221) (370) (604) (338) (109) (155) (231) (244) +6.4%
Shareholders’ equity 97 111 125 171 188 207 219 233 245 263 273 +11.7%
Returns, %
Returns, % ROA 1.19 1.54 1.70 2.12 1.73 1.64 1.29 1.47 1.29 1.48 1.57 +0.3 pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.11 21.00 70.83 83.89 +70.8 pt
ROE 10.92 13.63 14.19 16.24 13.53 13.98 11.09 12.01 10.15 11.48 11.89 +0.6 pt
People
People Employees 269 274 268 298 286 288 295 298 288 271 — +0.1%
Revenue/emp, $m 0.17 0.19 0.20 0.24 0.25 0.25 0.24 0.31 0.37 0.42 — +10.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Timberland Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ISTR Investar Holding Corporation $383.0M 9.8× 9.7× +40.64% (above 0%: growing) +42.11% (above 0%: growing) +36.91% (above 0%: growing) 65.30% 0.00% Compare
PKBK Parke Bancorp, Inc. $382.0M 8.1× — +6.11% (above 0%: growing) +15.56% (above 0%: growing) +15.62% (above 0%: growing) 60.54% 0.00% Compare
AVBH Avidbank Holdings Inc. $375.0M — (loss-making) 10.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
TSBK Timberland Bancorp, Inc. $371.8M 11.9× — +4.36% (above 0%: growing) +10.00% (above 0%: growing) −24.92% (below 0%: shrinking) 73.48% 0.00%
USCB USCB Financial Holdings, Inc. $366.3M 12.9× 10.0× +9.15% (above 0%: growing) +19.51% (above 0%: growing) +34.55% (above 0%: growing) 64.78% 0.00% Compare
FRST Primis Financial Corp. $363.6M 6.8× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00% Compare
WSBF Waterstone Financial, Inc. $360.6M 11.5× 11.0× +1.53% (above 0%: growing) +13.95% (above 0%: growing) +124.33% (above 0%: growing) 74.78% 0.00% Compare
BRBS Blue Ridge Bankshares, Inc. $357.9M — (loss-making) — −19.39% (below 0%: shrinking) n/m −29.11% (below 0%: shrinking) 59.82% 0.00% Compare
CFFI C&F Financial Corporation $352.3M 11.7× 11.5× +4.17% (above 0%: growing) +16.97% (above 0%: growing) +15.92% (above 0%: growing) 77.02% 0.00% Compare
Median of peers $364.9M 10.7× 10.6× +7.63% +16.97% +35.73% 67.24% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 17 December 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 652.15k 669.42k 117.37

Ownership

Directors and executive officers, together 3.60%
BlackRock, Inc. 7.30%
Dimensional Fund Advisors LP 7.10%
The Vanguard Group 5.60%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Timberland Bancorp, Inc. (TSBK) Latest News

29 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press earnings

25 Sep

Impact 3 ·

3 Aug

Impact 3 ·

28 Jul

Impact 3 ·

28 Apr

Impact 3 · · GlobeNewswire

2 Feb

Impact 3 · · Simply Wall St.

31 Jan

Impact 4 · · MarketBeat

30 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

28 Jan

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

26 Jan

Impact 3 · · Associated Press Finance
Impact 3 · · GlobeNewswire

1 Jan

Impact 4 · · Simply Wall St.

10 Dec

Impact 3 · · Simply Wall St.

6 Dec

Impact 4 · · Simply Wall St.Simply Wall St.

9 Nov

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

4 Nov

Impact 3 · · Simply Wall St.

3 Nov

Impact 4 · · Simply Wall St.

2 Nov

Impact 4 · · Simply Wall St.Associated Press FinanceSimply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

30 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

6 Oct

Impact 3 · · Simply Wall St.

1 Oct

Impact 3 · · Simply Wall St.

29 Sep

Impact 3 · · Simply Wall St.

2 Sep

Impact 4 ·

15 Aug

Impact 4 · · Simply Wall St.

24 Jul

Impact 3 ·

22 Jul

Impact 3 · · GlobeNewswire

17 Jul

Impact 3 · · Simply Wall St.
stockrow.com/TSBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com