TSBK

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Timberland Bancorp, Inc.

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Key Metrics

Previous Close: $44.63
52-Week Range: $30.93 – $49.38
Market Cap: $353.72M
P/E (TTM): 11.40
EPS (TTM): 3.99
Dividend Yield: 2.64%

Advanced Metrics

Price/Book: 1.29
PEG Ratio: 2.94
Return on Equity: 11.89%
Return on Assets: 1.57%
Gross Margin: 0.00%
Operating Margin: 47.27%
Profit Margin: 36.72%
Current Ratio: —
Debt/Equity: —
Total Debt: $14.32M
Free Cash Flow: —
Revenue Growth: 6.10%
Earnings Growth: 9.00%
Enterprise Value: $113.99M

TSBK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$64.65M	$75.64M	$70.89M	$78.42M
Selling, General & Admin	$22.02M	$25.06M	$25.32M	$25.53M
Pretax Income	$29.56M	$33.99M	$30.41M	$36.23M
Income Tax	$5.96M	$6.88M	$6.12M	$7.07M
Net Income	$23.60M	$27.12M	$24.28M	$29.16M
Diluted EPS	2.82	3.29	3.01	3.67
Diluted Shares	8.38M	8.25M	8.08M	7.95M

TSBK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$339.65M	$143.91M	$174.94M	$250.65M
Receivables	$4.48M	$6.00M	$6.99M	$7.39M
Total Assets	$1.86B	$1.84B	$1.92B	$2.01B
Long-Term Debt	—	$35.00M	$20.00M	$20.00M
Total Debt	$2.07M	$36.87M	$21.57M	$23.08M
Total Liabilities	$1.64B	$1.61B	$1.68B	$1.75B
Retained Earnings	$180.53M	$199.39M	$215.53M	$236.61M
Shareholders' Equity	$218.57M	$233.07M	$245.41M	$262.61M

TSBK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$26.50M	$31.00M	$23.02M	$30.16M
Capital Expenditure	-$911.00K	-$1.11M	-$1.31M	-$1.74M
Free Cash Flow	$25.59M	$29.89M	$21.71M	$28.42M
Depreciation & Amortisation	$2.84M	$2.66M	$2.58M	$2.49M
Stock-Based Compensation	$246.00K	$320.00K	$390.00K	$537.00K
Investing Cash Flow	-$335.16M	-$170.22M	-$45.80M	-$8.25M
Financing Cash Flow	$45.22M	-$48.81M	$58.78M	$56.79M
Dividends Paid	-$7.23M	-$8.27M	-$7.65M	-$8.09M
Share Repurchases	-$4.58M	-$5.00M	-$5.96M	-$5.76M
Net Change in Cash	-$263.44M	-$188.03M	$36.01M	$78.70M

TSBK Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$19.40M	$21.42M	$20.71M	$20.08M	$20.76M
Selling, General & Admin	$6.22M	$6.45M	$6.87M	$6.88M	$6.81M
Pretax Income	$8.89M	$10.31M	$10.32M	$8.87M	$9.65M
Income Tax	$1.79M	$1.86M	$2.10M	$1.74M	$1.93M
Net Income	$7.10M	$8.45M	$8.22M	$7.13M	$7.72M
Diluted EPS	0.90	1.07	1.04	0.90	0.98
Diluted Shares	7.92M	7.92M	7.92M	7.92M	7.85M

TSBK Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$202.09M	$250.65M	$253.33M	$300.64M	$254.05M
Receivables	$7.17M	$7.39M	$7.43M	$7.40M	$7.32M
Total Assets	$1.96B	$2.01B	$2.01B	$2.05B	$2.06B
Long-Term Debt	$20.00M	$20.00M	$20.00M	$20.00M	$10.00M
Total Debt	$21.35M	$23.08M	$23.02M	$22.94M	$14.32M
Total Liabilities	$1.70B	$1.75B	$1.74B	$1.78B	$1.79B
Retained Earnings	$230.21M	$236.61M	$242.62M	$247.46M	$252.91M
Shareholders' Equity	$256.66M	$262.61M	$268.41M	$271.09M	$273.21M

TSBK Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$10.78M	$10.08M	$6.08M	$6.72M	$8.36M
Capital Expenditure	-$432.00K	-$600.00K	-$505.00K	-$473.00K	-$587.00K
Free Cash Flow	$10.35M	$9.48M	$5.58M	$6.25M	$7.77M
Depreciation & Amortisation	$611.00K	$646.00K	$570.00K	$557.00K	$507.00K
Stock-Based Compensation	$121.00K	$144.00K	$158.00K	$188.00K	$188.00K
Investing Cash Flow	-$24.03M	-$4.32M	$12.15M	$6.88M	-$62.31M
Financing Cash Flow	$15.67M	$44.04M	-$14.80M	$34.21M	$5.36M
Dividends Paid	-$2.05M	-$2.05M	-$2.21M	-$2.29M	-$2.27M
Share Repurchases	-$1.05M	-$1.91M	-$1.00M	-$3.11M	-$2.86M
Net Change in Cash	$2.42M	$49.80M	$3.44M	$47.81M	-$48.59M

Market Snapshot

About

Timberland Bancorp is the holding company for Timberland Bank, a community bank serving Washington state with a focus on residential and commercial real estate lending. The company provides traditional banking services including deposit accounts, residential mortgages, commercial loans, and consumer banking products. Timberland Bank operates through branches primarily in western and central Washington.