| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | 2 | 1 | 5 | — | — | — | 1 | 1 | 4 | — |
| total | individual payouts | |
|---|---|---|
| 2026 | 0.88 |
—
—
—
|
| 2025 | 1.05 |
—
—
—
—
|
| 2024 | 0.97 |
—
—
—
—
|
| 2023 | 0.92 |
—
—
—
—
|
| 2022 | 0.66 |
—
—
—
—
|
| 2021 | 0.63 |
—
—
—
—
|
| 2020 | 0.80 |
—
—
—
—
|
| 2019 | 0.45 |
—
—
—
—
|
| 2018 | 0.39 |
—
—
—
—
|
| 2017 | 0.33 |
—
—
—
—
|
| 2016 | 0.34 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 143.91 | 174.94 | 250.65 | 254.05 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 1,452.62 | 1,603.45 | 1,722.76 | 1,759.79 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 1,560.94 | 1,647.67 | 1,716.64 | 1,763.55 |
| ST’ Debt | 0.00 | — | — | — |
| Other | — | — | — | — |
| 1,560.94 | 1,647.67 | 1,716.64 | 1,763.55 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Dec | Mar | Jun | Sep | Year | |
|---|---|---|---|---|---|
| ’26 | 29.96 | 28.76 | 29.66 | — |
—
|
| ’25 | 27.95 | 27.55 | 28.42 | 30.70 |
114.63
|
| ’24 | 25.29 | 25.77 | 26.93 | 27.97 |
105.96
|
| ’23 | 21.82 | 22.02 | 22.76 | 24.49 |
91.09
|
| ’22 | 16.78 | 16.60 | 17.73 | 20.02 |
71.13
|
| ’21 | 18.52 | 18.25 | 18.13 | 17.23 |
72.12
|
| ’20 | 18.13 | 17.81 | 18.52 | 18.31 |
72.77
|
| Dec | Mar | Jun | Sep | Year | |
|---|---|---|---|---|---|
| ’26 | 6.08 | 6.72 | 8.36 | — |
—
|
| ’25 | (3.06) | 12.35 | 10.78 | 10.08 |
30.16
|
| ’24 | 4.87 | 4.11 | 7.43 | 6.62 |
23.02
|
| ’23 | 9.42 | 5.94 | 7.87 | 7.77 |
31.00
|
| ’22 | 4.26 | 5.15 | 8.98 | 8.11 |
26.50
|
| ’21 | 0.85 | 9.31 | 12.56 | 6.91 |
29.64
|
| ’20 | 9.38 | 5.82 | 6.25 | 12.41 |
33.86
|
| Dec | Mar | Jun | Sep | Year | |
|---|---|---|---|---|---|
| ’26 | 5.58 | 6.25 | 7.77 | — |
—
|
| ’25 | (3.56) | 12.16 | 10.35 | 9.48 |
28.42
|
| ’24 | 4.57 | 3.61 | 7.22 | 6.32 |
21.72
|
| ’23 | 9.28 | 5.57 | 7.72 | 7.33 |
29.89
|
| ’22 | 4.16 | 5.03 | 8.38 | 8.02 |
25.59
|
| ’21 | 0.75 | 8.91 | 12.41 | 6.67 |
28.74
|
| ’20 | 9.34 | 4.97 | 5.79 | 12.08 |
32.18
|
| 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
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 24.05 | 22.11 | 23.93 | 27.51 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 35.62 | 35.50 | 33.98 | 38.28 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 295 | 298 | 288 | 271 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.24 | 0.31 | 0.37 | 0.42 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 71.13 | 91.09 | 105.96 | 114.63 | — | — | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 96.24% | 87.27% | 71.07% | 72.02% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.56 | 33.99 | 30.41 | 36.23 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 41.56% | 37.32% | 28.70% | 31.61% | — | — | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 23.60 | 27.12 | 24.28 | 29.16 | — | — | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.80 | 1.44 | 1.53 | 1.24 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.57 | 11.14 | 13.18 | 14.48 | — | — | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 2.84 | 3.32 | 3.02 | 3.68 | — | — | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.19 | 3.79 | 2.86 | 3.81 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.11) | (0.14) | (0.16) | (0.22) | — | — | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.08 | 3.66 | 2.70 | 3.59 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 26.32 | 28.51 | 30.53 | 33.17 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.30 | 8.18 | 8.04 | 7.92 | — | — | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.70 | 8.12 | 9.99 | 9.04 | — | — | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.23 | 2.41 | 2.30 | 2.30 | — | — | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.05 | 0.94 | 0.99 | 1.00 | — | — | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.52) | 1.22 | 0.83 | 0.29 | — | — | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (4.22) | 3.71 | 4.07 | 1.16 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 26.50 | 31.00 | 23.02 | 30.16 | — | — | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.91) | (1.11) | (1.30) | (1.73) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 25.59 | 29.89 | 21.72 | 28.42 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (154.87) | (108.32) | (44.22) | 6.12 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | — | — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.00 | 35.00 | 20.00 | 20.00 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (337.65) | (108.91) | (154.94) | (230.64) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 218.57 | 233.07 | 245.41 | 262.61 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.29% | 1.47% | 1.29% | 1.48% | — | — | — |
ROA
|
| ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | 0.00% | 17.11% | 21.00% | 70.83% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.09% | 12.01% | 10.15% | 11.48% | — | — | — |
ROE
|
Timberland Bancorp (TSBK), a resilient community bank in Washington’s Olympic Peninsula and Puget Sound, has delivered impressive growth amid sector storms like COVID-19 and the 2023 banking crisis, with revenue surging at an 11% CAGR to $106 million in 2024 and efficiency metrics like revenue per employee doubling to $368,000. EPS climbed 104% over the decade to $3.02, supported by a fortress balance sheet—negative net debt, 170% equity growth, and robust free cash flow—positioning it for projected 2025 gains of 8% revenue and 22% EPS.
Yet cracks emerge: profitability margins have plunged (EBT from 47.7% to 28.7%, gross from 96% to 71%), ROE softened to 10.2%, and heavy insider selling ($1.46 million in shares dumped over 21 months with zero buys) coincides with stock highs near $38. Uniform analyst targets imply 68% downside, clashing with cheap valuations (9.99x PE, 2.3x PS) and hinting at risks from normalizing rates, deposit costs, and potential lending slowdowns.
This sets up a pivotal 2025: can efficiency and buybacks sustain momentum, or is it a value trap masking regional woes? Contrarians eye TSBK’s underappreciated buffers for outperformance, but watch Q1 2026 for margin inflection and provisions—growth is real, yet caution screams trim.
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