Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

TSBK

BUYREMOVE

Timberland Bancorp, Inc. · Financial Services · United States · $333M · Avg Vol: $1M/d

67
StockRank
Q
50
V
40
M
67
P/E (TTM)
10.7x
ROE
11.8%
D/E
—
Dividend %
2.6%
Director Trades · 180d
−$43.9K →
Buybacks · 180d
None in 180d →
AI CONVICTION THESIS

Timberland Bancorp is a small community bank with no clear competitive advantage or thematic tailwinds to drive asymmetric returns.

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)

Year20212022202320242025CAGR
Revenue—64.7M75.6M70.9M78.4M6.6%
EPS—2.843.323.023.689.0%
Shares—8.2M8.1M8.0M7.9M-4.0%
Debt5.0M2.1M36.9M21.6M23.1M46.6%
Equity—218.6M233.1M245.4M262.6M6.3%
Op CF—26.5M31.0M23.0M30.2M4.4%
Inv CF—-335.2M-170.2M-45.8M-8.2M—
Fin CF—45.2M-48.8M58.8M56.8M—
Loading...
PRICE (1Y)+11.4%
39.1640.5241.8943.2544.61May 13Jun 4Jun 25
SMA 50SMA 200
Close
$44.13
RSI (14)
68.5
52W High
$45.28
From 52W High
1.0%

SCORE BREAKDOWN

Quality
50
ROIC (ROA)
1.6%*53.3
ROE
11.8%59.9
GP/Assets
4.2%49.2
Op. Margin
45.2%65.9
FCF/Assets
—N/A
Piotroski
796.0
Int. Cover
—N/A
D/E Ratio
—N/A
Current Ratio
—N/A
Value
40
P/E (TTM)
10.7x65.3
EV/EBITDA
—N/A
P/FCF
—N/A
P/B
1.2x46.2
P/S
3.9x43.3
Div Yield
2.6%34.6
Momentum
67
52W High %
97%85.3
RS 6M
16%86.8
SMA 50/200
1.11x79.3
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
6%38.4

FUNDAMENTALS

Market Cap
$333M
P/E (Forward)
—
Gross Margin
0.0%

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)$333M67BUY
CHMGChemung Financial Corporation$344M66BUY
WSBFWaterstone Financial, Inc.$347M70BUY
FMAOFarmers & Merchants Bancorp, Inc.$401M67BUY
FRAFFranklin Financial Services Corporation$275M68BUY
PLBCPlumas Bancorp$389M69BUY
FNLCThe First Bancorp, Inc.$375M70BUY
WTBAWest Bancorporation, Inc.$426M68BUY
ATLOAmes National Corporation$263M66BUY
NECBNortheast Community Bancorp, Inc.$337M74BUY

Peer medians: ROE 10.6% · P/E 13.5x · Gross margin 0.0%

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

Timberland Bancorp, Inc. (TSBK) has a MoatMap StockRank of 67/100 based on Quality (50/100), Value (40/100), and Momentum (67/100) factor scores. The current signal is BUY. Timberland Bancorp is a small community bank with no clear competitive advantage or thematic tailwinds to drive asymmetric returns.

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$44.13
Market Cap$333M
P/E (TTM)10.70
Price/Book1.22
Return on Equity11.8%
Gross Margin0.0%
Operating Margin45.2%
Revenue Growth4.4%
Dividend Yield2.6%

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 67/100, with a Buy signal. It is a composite of Quality (50), Value (40), and Momentum (67) factor ranks across MoatMap’s 20,000+ stock universe.
Does Timberland Bancorp, Inc. have an economic moat?
Timberland Bancorp, Inc. (TSBK) has a Quality factor score of 50/100. 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 Buy, based on a StockRank of 67/100. 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).
Browse all ranked stocksTSBK deep dive reportAI ChampionsHow we score stocksSense-check another stock