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TSBKTimberland Bancorp, Inc.
$43.98$344M
Overview & Verdict
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TSBK logoTimberland Bancorp, Inc.(TSBK)Earnings, Financials & Key Ratios

TSBK•NASDAQ•Banking & Credit
$43.98
12.0× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutTimberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate, construction, custom and owner/builder construction, speculative one- to four-family construction, commercial construction, multi-family construction, land development construction, and land development loans. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans; and automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans, as well as commercial business loans. As of September 30, 2021, the company operated 24 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington; and operated 25 proprietary automated teller machines. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.Show more
  • Net Interest Income$70M+9.5%
  • Total Revenue$110M+8.8%
  • Net Income$29M+20.1%
  • Return on Equity11.48%+13.1%
  • Net Interest Margin3.47%+4.6%
  • Efficiency Ratio37.31%-3.6%
  • ROA1.48%+14.8%
  • Equity / Assets13.05%+2.3%
  • Book Value per Share33.02+8.7%

TSBK Price & Volume

Timberland Bancorp, Inc. (TSBK) stock price & volume — 10-year historical chart

Loading chart...

Stable Margin Performance Faces Asset Concentration Risks

Investment Thesis • Updated 2026Q2

VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regional housing market concentration

Key Thesis Takeaways

  • Timberland Bancorp demonstrates consistent operational discipline, evidenced by a stable 0.9% net interest margin maintained over the last ten quarters despite broader regional volatility.
  • While the bank's commitment to shareholder returns is supported by $5.4 million in combined dividends and buybacks during 2026Q2, the heavy concentration of $1.9 billion in investment securities against $2.0 billion in total assets warrants caution.
  • Investors should monitor the bank's proactive provisioning, which rose to $523,000 in 2026Q2, as it may indicate underlying credit sensitivity within its Pacific Northwest construction-heavy portfolio.

Verdict Logic

while the bank maintains a solid 0.13 equity-to-assets ratio and consistent profitability, the 19.23 forward P/E valuation appears elevated given the potential risks associated with its high concentration in investment securities.

TSBK Growth Metrics

Timberland Bancorp, Inc. (TSBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.15%
5 Years9.62%
3 Years17.95%
TTM-

Profit CAGR

10 Years13.4%
5 Years3.74%
3 Years7.31%
TTM19.31%

EPS CAGR

10 Years12.11%
5 Years4.97%
3 Years9.18%
TTM20.68%

Return on Capital

10 Years15.17%
5 Years13.54%
3 Years12.64%
Last Year12.99%

TSBK Recent Earnings

Timberland Bancorp, Inc. (TSBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.90
—
Rev
$29M
—
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$1.04
—
Rev
$30M
—
Q4 2025
Dec 9, 2025
Metric
Actual
Est
EPS
$1.07
—
Rev
$30M
—
Q3 2025
Jul 22, 2025
Metric
Actual
Est
EPS
$0.90
—
Rev
$27M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.90
$29M
Q1 2026Jan 26, 2026
$1.04
$30M
Q4 2025Dec 9, 2025
$1.07
$30M
Q3 2025Jul 22, 2025
$0.90
$27M
Based on last 12 quarters of dataView full earnings history →

Latest TSBK News

Recent stock market news and headlines for Timberland Bancorp, Inc. (TSBK)

Zacks Investment Research·Jun 25, 2026
Zacks Initiates Coverage of Timberland With Neutral Recommendation

Explore why Zacks initiated coverage of TSBK with a "Neutral" rating, being the first on Wall Street to initiate coverage on the stock. Find out how steady earnings, strong capital, improving profitability and healthy liquidity are balanced by rising credit risk and funding cost pressures.

Peers Comparison

Key metrics vs top competitors for Timberland Bancorp, Inc. (TSBK)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TSBK logoTSBKTimberland Bancorp, Inc.Current
$43.98$344.27M11.988.81%26.39%11.48%2.31%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.10$222.78M15.82-9.41%16.49%8%—
HONE logoHONEHarborOne Bancorp, Inc.
$12.10$522.22M18.3310.7%8.56%4.56%—
NECB logoNECBNortheast Community Bancorp, Inc.
$27.68$382.93M8.52-1.55%28.51%12.62%—
CFFN logoCFFNCapitol Federal Financial, Inc.
$8.46$1.07B16.2710.03%17.88%7.46%—
KRNY logoKRNYKearny Financial Corp.
$9.41$592.2M22.405.09%10.39%4.75%—

Compare TSBK vs Peers

Timberland Bancorp, Inc. (TSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for TSBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TSBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, HONE, NECB, CFFN

TSBK SEC Filings & Documents

Timberland Bancorp, Inc. (TSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Jan 29, 2026·SEC

Material company update

Jan 27, 2026·SEC

10-K Annual Reports

4
FY 2025

Dec 9, 2025·SEC

FY 2024

Dec 11, 2024·SEC

FY 2023

Dec 11, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2026

Feb 6, 2026·SEC

FY 2025

Aug 8, 2025·SEC

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TSBK Frequently Asked Questions

Timberland Bancorp, Inc. (TSBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Timberland Bancorp, Inc. growing?

Timberland Bancorp, Inc. (TSBK) grew revenue by 8.8% over the past year. This is steady growth.

Is TSBK profitable?

Yes, Timberland Bancorp, Inc. (TSBK) is profitable, generating $30.9M in net income for fiscal year 2025 (26.4% net margin).

Dividend & Returns
Does TSBK pay dividends?

Yes, Timberland Bancorp, Inc. (TSBK) pays a dividend with a yield of 2.31%. This makes it attractive for income-focused investors.

What is TSBK's return on equity?

Timberland Bancorp, Inc. (TSBK) has a return on equity (ROE) of 11.5%. This is reasonable for most industries.

Industry Metrics
What is Timberland Bancorp, Inc.'s net interest margin?

Timberland Bancorp, Inc. (TSBK) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

What is Timberland Bancorp, Inc.'s efficiency ratio?

Timberland Bancorp, Inc. (TSBK) has an efficiency ratio of 37.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in TSBK back in 1997?

Total return calculator · dividends reinvested · 29+ years of data

See returns →