📊 TSBK Key Takeaways
Is Timberland Bancorp Inc. (TSBK) a Good Investment?
Timberland Bancorp exhibits strong revenue growth of 45.7% YoY with fortress-like balance sheet fundamentals (zero debt, $294.7M cash), but profitability growth has stalled completely as net income remains flat despite substantial revenue expansion. The significant gap between operating cash flow ($12.8M) and net income ($15.3M) raises serious earnings quality concerns, warranting caution until underlying operational issues are resolved.
Timberland Bancorp Inc. Key Strengths (TSBK)
- Strong revenue growth of 45.7% year-over-year demonstrating market expansion
- Impeccable balance sheet with $294.7M cash reserves and zero long-term debt (0.00x leverage)
- Healthy net profit margin of 28.9% indicating operational efficiency
- Positive free cash flow generation of $11.8M with 22.3% FCF margin
TSBK Stock Risks: Timberland Bancorp Inc. Investment Risks
- Net income grew 0% YoY despite 45.7% revenue growth, signaling severe margin compression or operating expense deterioration
- Operating cash flow ($12.8M) is only 84% of net income ($15.3M), indicating weak cash conversion and potential earnings quality issues
- Return on assets (0.7%) and return on equity (5.7%) are critically low for financial institutions, suggesting inefficient capital deployment
- Possible asset quality deterioration or rising loan loss provisions not being offset by revenue gains, typical of stressed lending environments
Key Metrics to Watch
- Operating cash flow to net income ratio trend (critical earnings quality indicator)
- Net interest margin expansion and loan loss reserve adequacy
- Return on assets and return on equity progression toward industry standards
- Breakdown of revenue growth by source (interest vs. non-interest income) for sustainability analysis
Timberland Bancorp Inc. (TSBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 22.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
TSBK Profit Margin, ROE & Profitability Analysis
TSBK vs Finance Sector: How Timberland Bancorp Inc. Compares
How Timberland Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Timberland Bancorp Inc. Stock Overvalued? TSBK Valuation Analysis 2026
Based on fundamental analysis, Timberland Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Timberland Bancorp Inc. Balance Sheet: TSBK Debt, Cash & Liquidity
TSBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Timberland Bancorp Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.29 reflects profitable operations.
TSBK Revenue Growth, EPS Growth & YoY Performance
Timberland Bancorp Inc. Dividends, Buybacks & Capital Allocation
TSBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Timberland Bancorp Inc. (CIK: 0001046050)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TSBK
What is the AI rating for TSBK?
Timberland Bancorp Inc. (TSBK) has an AI grade of B with 58% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TSBK's key strengths?
Claude: Strong revenue growth of 45.7% year-over-year demonstrating market expansion. Impeccable balance sheet with $294.7M cash reserves and zero long-term debt (0.00x leverage).
What are the risks of investing in TSBK?
Claude: Net income grew 0% YoY despite 45.7% revenue growth, signaling severe margin compression or operating expense deterioration. Operating cash flow ($12.8M) is only 84% of net income ($15.3M), indicating weak cash conversion and potential earnings quality issues.
What is TSBK's revenue and growth?
Timberland Bancorp Inc. reported revenue of $53.2M.
Does TSBK pay dividends?
Timberland Bancorp Inc. pays dividends, with $4.5M distributed to shareholders in the trailing twelve months.
Where can I find TSBK SEC filings?
Official SEC filings for Timberland Bancorp Inc. (CIK: 0001046050) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TSBK's EPS?
Timberland Bancorp Inc. has a diluted EPS of $1.94.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is TSBK's fundamental grade?
Based on our AI fundamental analysis in June 2026, Timberland Bancorp Inc. has a B grade with 58% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TSBK stock overvalued or undervalued?
Valuation metrics for TSBK: ROE of 5.7% (sector avg: 12%), net margin of 28.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is TSBK's AI grade for 2026?
Our dual AI analysis gives Timberland Bancorp Inc. a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is TSBK's free cash flow?
Timberland Bancorp Inc.'s operating cash flow is $12.8M, with capital expenditures of $978.0K. FCF margin is 22.3%.
How does TSBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.9% (avg: 25%), ROE 5.7% (avg: 12%), current ratio N/A (avg: 1.2).