Timberland Bancorp, Inc. is the banking holding company for Timberland Bank providing various banking services in Washington. The company is headquartered in Hoquiam, Washington.
| Revenue (TTM) | $85.92M |
| Gross Profit (TTM) | $85.92M |
| EBITDA | — |
| Operating Margin | 47.00% |
| Return on Equity | 11.60% |
| Return on Assets | 1.53% |
| Revenue/Share (TTM) | $10.97 |
| Book Value | $35.51 |
| Price-to-Book | 1.34 |
| Price-to-Sales (TTM) | 4.34 |
| EV/Revenue | 4.566 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | -2.90% |
| Quarterly Revenue Growth (YoY) | 0.40% |
| Shares Outstanding | $7.78M |
| Float | $7.17M |
| % Insiders | 7.13% |
| % Institutions | 69.91% |
Volatility is currently expanding
TSBK's fiscal Q4 earnings per share are dampened by increased credit costs and operating expenses, partly offset by expanding net interest margins, solid loan growth and higher net interest income.
The U.S. savings and loan industry is navigating a mixed operating backdrop. Interest rates remain elevated after the Federal Reserve's September 2026 rate hike, but loan demand is expected to stay resilient, supported by steady economic growth, low unemployment and improving mortgage activity.
Three well-known dividend payers share a single deadline this week. SiriusXM (NASDAQ:SIRI | SIRI Price Prediction), American Electric Power (NASDAQ:AEP), and Timberland Bancorp (NASDAQ:TSBK) all go ex-dividend on Monday, August 10.
TSBK reports a year-over-year rise in fiscal Q3 earnings per share on loan growth, expanding net interest margin and solid deposit growth. The company also increased its quarterly cash dividend.
TSBK delivers consistent earnings, strong capital, healthy asset growth and disciplined risk management, reinforcing its community banking franchise and long-term growth potential.
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.
Timberland Bancorp has doubled its share price in five years, driven by robust financial results and exceptionally low loan loss provisions. TSBK's net interest income rose over 10% year-over-year, with bottom line net profit up 20% to $1.04 per share in the December quarter. The loan book remains high quality, with less than 0.1% of commercial real estate loans past due and strong collateral backing residential mortgages.
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