TSBK
Timberland Bancorp, Inc.
TSBK's fundamentals are strong, but it looks expensive: trading at 12x earnings, above its usual 9.2x.
TSBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TSBK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like TSBK.
TSBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $32.69 | -31% |
| Fair | 9.2x | $36.80 | -23% |
| Expensive | 10x | $41.53 | -13% |
| Current | 12x | $47.61 | — |
Historical ranges are pointers, not guarantees.
TSBK's PE is in its expensive range at 12x.
TSBK Forward outlook
There aren't enough analyst estimates for TSBK to show an outlook.
TSBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $3.99 | +17% |
| Q1 2026 | $3.91 | +21% |
| Q4 2025 | $3.86 | +25% |
| Q3 2025 | $3.68 | +23% |
| Q2 2025 | $3.40 | +13% |
| Q1 2025 | $3.24 | +6.2% |
| Q4 2024 | $3.09 | -1.9% |
| Q3 2024 | $3.00 | -8.5% |
TSBK earned $3.99 per share over the past year, up 17% from the year before.
TSBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $21.8M | +6.3% |
| Q1 2026 | $21.1M | +5.8% |
| Q4 2025 | $21.7M | +10% |
| Q3 2025 | $22.5M | +15% |
| Q2 2025 | $20.5M | +9.2% |
| Q1 2025 | $19.9M | +9% |
| Q4 2024 | $19.7M | +4.6% |
| Q3 2024 | $19.5M | -1.4% |
TSBK's revenue has grown year over year for seven quarters in a row: $22M last quarter, up 6.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 44% | +0.9 points |
| Q1 2026 | 42% | -0.4 points |
| Q4 2025 | 48% | +3.9 points |
| Q3 2025 | 46% | +5.1 points |
| Q2 2025 | 43% | +3.6 points |
| Q1 2025 | 43% | +3.2 points |
| Q4 2024 | 44% | +1.9 points |
| Q3 2024 | 41% | -1.1 points |
TSBK's operating margin was 44% last quarter, up 0.9 points from the same quarter a year ago.
TSBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $7.8M | -25% |
| Q1 2026 | $6.2M | -49% |
| Q4 2025 | $5.6M | +$9.1M |
| Q3 2025 | $9.5M | +50% |
| Q1 2025 | $12.2M | +237% |
| Q4 2024 | -$3.6M | -178% |
| Q3 2024 | $6.3M | -14% |
| Q4 2023 | $4.6M | -51% |
TSBK's free cash flow was $29M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TSBK.
TSBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -66.8K shares |
| 1 year | -0.8% | -66.4K shares |
| 3 years | -4.4% | -359K shares |
| 5 years | -7.2% | -610K shares |
| Available history | -7.2% | -613K shares |
TSBK has 8M diluted shares, down 0.8% from a year ago, with $9M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q2 2026 | $2.9M |
| Q1 2026 | $3.1M |
| Q4 2025 | $1M |
| Q3 2025 | $1.9M |
| Q2 2025 | $1.1M |
| Q1 2025 | $1.9M |
| Q4 2024 | $884,000 |
| Q3 2024 | $1.2M |
TSBK spent $9M buying back its own shares over the past year, up 78% from the year before.
TSBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -5.6x | Net Cash |
| Q1 2026 | -6.6x | Net Cash |
| Q4 2025 | -5.5x | Net Cash |
| Q3 2025 | -5.7x | Net Cash |
| Q2 2025 | -4.7x | Net Cash |
| Q1 2025 | -4.8x | Net Cash |
| Q4 2024 | -4.2x | Net Cash |
| Q3 2024 | -4.3x | Net Cash |
TSBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like TSBK.
TSBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.9 | Neutral |
| Stochastic | 67.8 | Neutral |
TSBK's weekly RSI is 69 (neutral) and its Stochastic is 68 (neutral).
TSBK PE vs Financial Services Sector
| Metric | TSBK | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.4% below |
| PE % | 98 | 63 | 35 pts above |
TSBK is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
TSBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.3 | 2.8% above |
| 20 week MA | $45.7 | 4.2% above |
| 50 week MA | $41.7 | 14% above |
| 100 week MA | $36.6 | 30% above |
| 200 week MA | $32.6 | 46% above |
TSBK is in an uptrend: it's above all five of its weekly moving averages, and 46% above its 200-week average.
TSBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.8 | $24.6 | -18% |
| 2021 | $24.6 | $27.7 | +13% |
| 2022 | $27.7 | $33.1 | +19% |
| 2023 | $33.1 | $31.5 | -5% |
| 2024 | $31.5 | $30.5 | -3% |
| 2025 | $30.5 | $35.8 | +17% |
| 2026 YTD | $35.8 | $47.6 | +33% |
TSBK is up 33% so far in 2026, after finishing lower in three of the previous six years.