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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%
Market cap
$352.9M
P/E
11.4×
Fwd P/E
—
Dividend yield
2.55%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 1.18
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — 2 1 5 — — — 1 1 4 — —
Insider Ownership 7.37%

Capital & Financial Ratios $m

Market Cap 352.86
Revenue 119.08
Net Income 31.51
Free Cash Flow 29.08
Net Debt (244.05)
Current Ratio 1.00
Debt/Equity 0.04
P/E ratio 11.36
Fwd P/E —
P/S ratio 2.98
P/B ratio 1.30
Past 5Y EPS Growth 4.97%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth 13.00%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 76.26%
10-year low 10-year high
P/S against its own 10 years 49.28%
10-year low 10-year high
P/B against its own 10 years 70.48%
10-year low 10-year high

Dividends

Payout Ratio 0.29
Annual Dividend Rate 1.16
Annual Dividend Yield 2.55%
total individual payouts
2026 0.88
0.29
0.29
0.30
2025 1.05
0.25
0.26
0.26
0.28
2024 0.97
0.24
0.24
0.24
0.25
2023 0.92
0.23
0.23
0.23
0.23
2022 0.66
0.22
0.22
0.22
0.10
2021 0.63
0.21
0.21
0.10
0.21
2020 0.80
0.20
0.20
0.20
0.20
2019 0.45
0.15
0.10
0.15
0.15
2018 0.39
0.13
0.10
0.13
0.13
2017 0.33
0.11
0.11
0.08
0.11
2016 0.34
0.08
0.08
0.09
0.09
special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 12.14 20.00 21.91 22.08 13.60 24.13 24.05 22.11 23.93 27.51

Analyst estimates 2026–2028

Powerpack
High 21.15 32.10 39.45 31.50 31.00 30.75 35.62 35.50 33.98 38.28
People
People Employees 269 274 268 298 286 288 295 298 288 271
Revenue/emp, $m 0.17 0.19 0.20 0.24 0.25 0.25 0.24 0.31 0.37 0.42
Income, $m
Income, $m Revenue 46 51 54 70 73 72 71 91 106 115
Gross margin, % 91.10 93.70 94.89 93.48 93.54 95.70 96.24 87.27 71.07 72.02
EBT 15 21 22 30 30 34 30 34 30 36
EBT margin, % 32.90 41.89 41.23 42.70 41.65 47.74 41.56 37.32 28.70 31.61
Net income 10 14 17 24 24 28 24 27 24 29
Depreciation 2 2 2 3 3 3 3 1 2 1
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
Earnings 1.48 1.99 2.28 2.89 2.91 3.31 2.84 3.32 3.02 3.68
Cash flow 1.73 1.94 2.92 2.18 4.07 3.55 3.19 3.79 2.86 3.81
Capex (0.09) (0.49) (0.23) (0.26) (0.20) (0.11) (0.11) (0.14) (0.16) (0.22)
Free cash flow 1.63 1.45 2.69 1.92 3.86 3.45 3.08 3.66 2.70 3.59
Book value 14.15 15.55 16.99 20.56 22.53 24.81 26.32 28.51 30.53 33.17
Shares, m 7 7 7 8 8 8 8 8 8 8
Valuation, ×
Valuation, × P/E 10.57 15.58 14.59 9.52 6.16 8.73 9.70 8.12 9.99 9.04
P/S 2.36 4.36 4.47 3.27 2.06 3.34 3.23 2.41 2.30 2.30
P/B 1.11 1.99 1.95 1.34 0.80 1.17 1.05 0.94 0.99 1.00
EV/Sales (0.53) 1.18 1.12 0.53 (3.02) (5.03) (1.52) 1.22 0.83 0.29
EV/FCF (2.16) 5.81 3.08 2.34 (6.84) (12.62) (4.22) 3.71 4.07 1.16
Cash, $m
Cash, $m Operating cash flow 12 14 21 18 34 30 27 31 23 30
Capex (1) (4) (2) (2) (2) (1) (1) (1) (1) (2)
Free cash flow 11 10 20 16 32 29 26 30 22 28
Balance, $m
Balance, $m Working capital 70 50 53 49 44 14 (155) (108) (44) 6
Total debt 30 — — — 10 5 2 35 20 20
Net debt (132) (191) (212) (221) (370) (604) (338) (109) (155) (231)
Shareholders’ equity 97 111 125 171 188 207 219 233 245 263
Returns, %
Returns, % ROA 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
ROE 10.92 13.63 14.19 16.24 13.53 13.98 11.09 12.01 10.15 11.48
Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Charts ten years each

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
NWFL Norwood Financial Corp. $364.8M 11.7× 10.1× +28.48% (above 0%: growing) +28.36% (above 0%: growing) +65.58% (above 0%: growing) 68.32% 0.00% Compare
WSBF Waterstone Financial, Inc. $357.2M 11.5× 11.0× +1.53% (above 0%: growing) +13.95% (above 0%: growing) +124.33% (above 0%: growing) 74.78% 0.00% Compare
TSBK Timberland Bancorp, Inc. $352.9M 11.4× — +4.36% (above 0%: growing) +10.00% (above 0%: growing) −24.92% (below 0%: shrinking) 73.48% 0.00%
FSBW FS Bancorp, Inc. $350.9M 10.1× 9.4× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
BRBS Blue Ridge Bankshares, Inc. $349.1M 37.9× — −19.39% (below 0%: shrinking) n/m −84.87% (below 0%: shrinking) 59.82% 0.00% Compare
BCML Bay Commercial Bank $338.1M 26.0× 13.8× −3.52% (below 0%: shrinking) n/m −19.47% (below 0%: shrinking) 74.74% 0.00% Compare
AVBH Avidbank Holdings Inc. $337.8M — (loss-making) 9.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $336.0M 11.0× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
CFFI C&F Financial Corporation $334.0M 11.4× — +10.31% (above 0%: growing) +10.97% (above 0%: growing) +549.86% (above 0%: growing) 78.40% 0.00% Compare
Median of peers $343.6M 11.5× 10.6× +4.75% +11.32% +136.52% 70.03% 0.00%

All 323 Banks Regional stocks →

Timberland Bancorp, Inc. (TSBK) key facts

  • Strength: Timberland Bancorp, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $114.6 million, up 8.18% from fiscal 2024.
  • Strength: Net income was $29.2 million, or $3.68 per share (basic), a net margin of 25.4%.
  • Timberland Bancorp, Inc. (TSBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, TSBK traded at $45.54, a market capitalization of $352.9 million.
  • At that price the stock trades at 11.4× trailing-twelve-month earnings and 3.0× sales; its P/E is higher than 76% of its own readings over the past ten years.
  • Timberland Bancorp, Inc. pays an annual dividend of $1.16 per share, a yield of 2.55%, with a payout ratio of 29.1%.
  • Return on equity was 11.5% and debt-to-equity 0.04.
  • Its Piotroski F-score is 9 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Timberland Bancorp, Inc. (TSBK) Latest News

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