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TSBK

Strong BuyPremium GrowerFLAG

Timberland Bancorp, Inc. · Financial Services · United States · $361M · Avg Vol: $2M/d

80
StockRank
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Q
64
V
47
M
65
P/E (TTM)
11.6x
ROE
11.9%
D/E
0.1x
Dividend %
2.4%
Dir. Trades · 180d
−$419.2K →
Buybacks · 180d
$8.9M →
AI CONVICTION THESIS

Timberland Bancorp clears stage one, with value exactly on the floor at V50 alongside Q64 and M69, and a buyback providing corroboration. Insiders sold 0.01% with no offsetting purchases, so there is net selling and stage two blocks approval.

COMPANY DESCRIPTION

Timberland Bancorp, Inc. operates as a bank holding company for Timberland Bank, providing traditional banking services to individuals and businesses in the Pacific Northwest region. Its competitive moat is built upon deep community ties, personalized customer service, and a strong understanding of local market dynamics, fostering lasting client relationships. Timberland Bancorp is a regionally focused financial institution deeply embedded in its operating communities.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue64.7M75.6M70.9M78.4M6.6%85.8M
EPS2.843.323.023.689.0%3.99
Shares8.2M8.1M8.0M7.9M-4.0%7.8M
Debt2.1M36.9M21.6M23.1M123.5%14.3M
Equity218.6M233.1M245.4M262.6M6.3%—
Op CF26.5M31.0M23.0M30.2M4.4%31.2M
Inv CF-335.2M-170.2M-45.8M-8.2M——
Fin CF45.2M-48.8M58.8M56.8M——
Loading 1Y...
PRICE (1Y)+3.2%
44.7545.2745.7846.3046.81Jul 29Aug 19Sep 9
SMA 50SMA 200

Close
$46.47
RSI (14)
54.4
52W High
$49.38
From 52W High
0.9%

SCORE BREAKDOWN

Quality
64
ROIC (ROA)
1.6%*50.7
ROE
11.9%60.3
GP/Assets
4.3%N/A
Op. Margin
47.3%67.2
FCF/Assets
1.6%N/A
Piotroski
797.1
Int. Cover
—50.0
D/E Ratio
0.09xN/A
Current Ratio
bankN/A
Value
47
P/E (TTM)
11.6x58.7
EV/EBITDA
bankN/A
P/FCF
11.4xN/A
P/B
1.3x44.1
P/S
4.2x42.2
Div Yield
2.4%32.7
Momentum
65
52W High %
94%66.6
RS 6M
9%70.2
SMA 50/200
1.12x78.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
9%38.1

FUNDAMENTALS

Market Cap
$361M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TSBK are excluded.

TickerCompanyMkt CapStockRankSignal
TSBKTimberland Bancorp, Inc.(you)$361M80Strong Buy
NWFLNorwood Financial Corp.$372M81Strong Buy
MVBFMVB Financial Corp.$394M77Buy
CHMGChemung Financial Corporation$393M77Buy
FRSTPrimis Financial Corp.$397M84Strong Buy
CBNAChain Bridge Bancorp, Inc.$300M77Buy
NEWTNewtekOne, Inc.$344M73Buy
CFFIC&F Financial Corporation$298M85Strong Buy
FMAOFarmers & Merchants Bancorp, Inc.$472M83Strong Buy
NECBNortheast Community Bancorp, Inc.$364M71Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Timberland Bancorp, Inc. (TSBK): Stock Score Summary

Timberland Bancorp, Inc. (TSBK) has a MoatMap StockRank of 80/100 based on Quality (64/100), Value (47/100), and Momentum (65/100) factor scores. The current signal is STRONG BUY. Timberland Bancorp clears stage one, with value exactly on the floor at V50 alongside Q64 and M69, and a buyback providing corroboration. Insiders sold 0.01% with no offsetting purchases, so there is net selling and stage two blocks approval.

Timberland Bancorp, Inc. operates as a bank holding company for Timberland Bank, providing traditional banking services to individuals and businesses in the Pacific Northwest region. Its competitive moat is built upon deep community ties, personalized customer service, and a strong understanding of local market dynamics, fostering lasting client relationships. Timberland Bancorp is a regionally focused financial institution deeply embedded in its operating communities.

Key Financial Metrics

Price$46.47
Market Cap$361M
P/E (TTM)11.64
Price/Book1.32
Return on Equity11.9%
Debt/Equity0.09x
Operating Margin47.3%
Revenue Growth6.1%
Dividend Yield2.4%
Free Cash Flow$32M

Timberland Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Timberland Bancorp, Inc.’s (TSBK) StockRank?
MoatMap’s StockRank for Timberland Bancorp, Inc. (TSBK) is 80/100, with a Strong Buy signal. It is a composite of Quality (64), Value (47), and Momentum (65) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Timberland Bancorp, Inc. have an economic moat?
Timberland Bancorp, Inc. (TSBK) has a Quality factor score of 64/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Timberland Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Timberland Bancorp, Inc. (TSBK) is Strong Buy, based on a StockRank of 80/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Timberland Bancorp, Inc. in?
Timberland Bancorp, Inc. (TSBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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