Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 4.36%, EPS grew 10.0%, free cash flow fell 24.9% and total debt fell 50.0%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three.
45.54
0.16
+0.35%
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| Sep '16 | Sep '17 | Sep '18 | Sep '19 | Sep '20 | Sep '21 | Sep '22 | Sep '23 | Sep '24 | Sep '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | 6 | 7 | 5 | 4 | 5 | 6 | 7 | 6 | 9 |
P/E ratio |
10.57 | 15.58 | 14.59 | 9.52 | 6.16 | 8.73 | 9.70 | 8.12 | 9.99 | 9.04 |
P/S ratio |
2.36 | 4.36 | 4.47 | 3.27 | 2.06 | 3.34 | 3.23 | 2.41 | 2.30 | 2.30 |
P/FCF ratio |
9.64 | 21.41 | 12.32 | 14.34 | 4.66 | 8.39 | 8.97 | 7.36 | 11.20 | 9.27 |
P/Operating CF |
23.46 | 70.73 | 49.51 | 421.31 | 12.08 | 34.88 | 28.31 | 28.31 | 36.77 | 26.13 |
P/B ratio |
1.11 | 1.99 | 1.95 | 1.34 | 0.80 | 1.17 | 1.05 | 0.94 | 0.99 | 1.00 |
Price to Tangible BV |
1.20 | 2.14 | 2.08 | 1.51 | 0.89 | 1.29 | 1.15 | 1.02 | 1.06 | 1.07 |
EV/Sales |
(0.53) | 1.18 | 1.12 | 0.53 | (3.02) | (5.03) | (1.52) | 1.22 | 0.83 | 0.29 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(2.04) | 4.33 | 2.84 | 2.07 | (6.50) | (12.24) | (4.08) | 3.58 | 3.84 | 1.09 |
EV/FCF |
(2.16) | 5.81 | 3.08 | 2.34 | (6.84) | (12.62) | (4.22) | 3.71 | 4.07 | 1.16 |
Quick Ratio |
0.21 | 0.23 | 0.24 | 0.21 | 0.28 | 0.39 | 0.21 | 0.09 | 0.11 | 0.15 |
Current Ratio |
1.09 | 1.06 | 1.06 | 1.05 | 1.03 | 1.01 | 0.91 | 0.93 | 0.97 | 1.00 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.37% | 0.00% | 0.00% | 0.00% | 0.64% | 0.28% | 0.11% | 1.90% | 1.04% | 0.99% |
Debt/Equity |
0.31 | 0.00 | 0.00 | 0.00 | 0.05 | 0.02 | 0.01 | 0.15 | 0.08 | 0.08 |
Asset Turnover |
0.05 | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.16 | 0.98 | 1.28 | 0.75 | 1.40 | 1.07 | 1.12 | 1.14 | 0.95 | 1.03 |
Capex/Depreciation |
(0.34) | (2.02) | (0.98) | (0.75) | (0.64) | (0.32) | (0.33) | (0.77) | (0.85) | (1.40) |
| 10.92% | 13.63% | 14.19% | 16.24% | 13.53% | 13.98% | 11.09% | 12.01% | 10.15% | 11.48% | |
| 1.19% | 1.54% | 1.70% | 2.12% | 1.73% | 1.64% | 1.29% | 1.47% | 1.29% | 1.48% | |
ROIC |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 17.11% | 21.00% | 70.83% |
Return on Tangible Assets |
11.85% | 20.77% | 23.34% | 33.22% | 35.96% | 76.82% | (17.75%) | (31.29%) | (106.82%) | 104.88% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
58.21% | 51.80% | 53.66% | 50.14% | 51.34% | 47.46% | 54.24% | 49.66% | 42.16% | 40.25% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.42% | 0.31% | 0.32% | 0.23% | 0.25% | 0.24% | 0.35% | 0.35% | 0.37% | 0.47% |
Graham Net Nets |
0.34 | 0.21 | 0.20 | 0.18 | 0.16 | 0.00 | (0.72) | (0.70) | (0.31) | (0.10) |
Graham Number |
21.78 | 26.39 | 29.46 | 36.57 | 38.48 | 42.98 | 41.08 | 46.08 | 45.62 | 52.41 |
Earnings Yield |
9.46% | 6.42% | 6.85% | 10.51% | 16.22% | 11.45% | 10.31% | 12.31% | 10.01% | 11.06% |
Free Cash Flow Yield |
10.37% | 4.67% | 8.12% | 6.98% | 21.47% | 11.92% | 11.14% | 13.60% | 8.93% | 10.79% |
Revenue per Share |
6.69 | 7.10 | 7.41 | 8.42 | 8.74 | 8.65 | 8.57 | 11.14 | 13.18 | 14.48 |
Operating CF per Share |
1.73 | 1.94 | 2.92 | 2.18 | 4.07 | 3.55 | 3.19 | 3.79 | 2.86 | 3.81 |
Capex per Share |
(0.09) | (0.49) | (0.23) | (0.26) | (0.20) | (0.11) | (0.11) | (0.14) | (0.16) | (0.22) |
Free Cash Flow per Share |
1.63 | 1.45 | 2.69 | 1.92 | 3.86 | 3.45 | 3.08 | 3.66 | 2.70 | 3.59 |
Cash per Share |
23.67 | 26.79 | 28.92 | 26.61 | 45.63 | 72.97 | 40.90 | 17.60 | 21.76 | 31.66 |
Shareholders Equity per Share |
14.15 | 15.55 | 16.99 | 20.56 | 22.53 | 24.81 | 26.32 | 28.51 | 30.53 | 33.17 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
14.15 | 15.55 | 16.99 | 20.56 | 22.53 | 24.81 | 26.32 | 28.51 | 30.53 | 33.17 |
Free Cash Flow |
11.18 | 10.33 | 19.73 | 15.96 | 32.18 | 28.74 | 25.59 | 29.89 | 21.72 | 28.42 |
Working Capital |
69.51 | 49.81 | 52.70 | 49.47 | 44.46 | 13.54 | (154.87) | (108.32) | (44.22) | 6.12 |
Capital Expenditures |
(0.64) | (3.53) | (1.72) | (2.15) | (1.68) | (0.89) | (0.91) | (1.11) | (1.30) | (1.73) |
Net Current Asset Value |
36.49 | 46.68 | 48.57 | 41.63 | 24.52 | (1.19) | (164.63) | (154.21) | (74.61) | (27.41) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.07 | 0.03 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
Price to Operating Income |
7.16 | 10.42 | 10.84 | 7.71 | 4.95 | 7.00 | 7.70 | 6.47 | 8.00 | 7.27 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.10 | 0.09 | 0.13 | 0.11 | 0.13 | 0.13 | 0.07 | 0.07 | 0.06 |
Cash ROIC |
3.87% | 3.42% | 5.86% | 4.07% | 5.57% | 3.50% | 4.57% | 7.26% | 4.93% | 5.33% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
68,261.27 | 95,662.42 | 116,871.74 | 85,411.36 | 105,470.79 | 184,681.89 | 222,791.41 | 49,149.52 | 19,616.37 | 19,533.37 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
720.22 | 799.72 | 863.70 | 978.87 | 1,213.32 | 1,464.48 | 1,601.37 | 1,596.56 | 1,604.30 | 1,682.15 |
Average Assets |
853.60 | 921.71 | 985.16 | 1,132.71 | 1,406.56 | 1,679.08 | 1,826.34 | 1,850.21 | 1,881.69 | 1,968.13 |
Average Common Equity |
93.01 | 103.92 | 117.83 | 147.86 | 179.35 | 197.26 | 212.73 | 225.82 | 239.24 | 254.01 |
Columns are period end dates