Timberland Bancorp Inc
TSBK Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 26, 2026
$46.90
KIRA · Stoqly’s AI analyst, in plain words
- Timberland Bancorp Inc had $82.6M of revenue in fiscal 2025, up 9.6% on the year before. Over five years, revenue changed +3.9% a year on average.
- Timberland Bancorp Inc made $29.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.0% a year.
- Timberland Bancorp Inc returned $13.8M to shareholders in fiscal 2025, 49% of free cash flow. The diluted share count fell 1.6%.
- It earned 11.5% on shareholders’ money. Running costs took 55.0% of revenue (the efficiency ratio; lower is better).
Market cap
$368M
P/E
11.8x
Revenue
$82.6M
Net income
$29.2M
Return on equity
11.5%
Efficiency ratio
55.0%
Timberland Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+9.6%
Yes. Sales grew 9.6% last year.
Does it make a profit?
35.3%
Yes. It keeps 35.3% of every sale as profit.
How lean are its costs?
55.0%
Lean. Running costs take 55.0% of revenue.
How much does it earn on its capital?
11.5%
Fair. It earns 11.5% a year on shareholders’ money.
How is the share priced?
11.8x
One share costs 11.8 times its yearly profit per share.
What Timberland Bancorp Inc does
No business description yet.
- Fiscal year ends
- September 30, 2025
- Latest annual report
- 10-K · Dec 9, 2025
- Legal name
- TIMBERLAND BANCORP INC
- CIK
- 0001046050
Timberland Bancorp Inc · TSBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $69.0M | $68.5M | $79.5M | $75.3M | $82.6M |
| Revenue growth | 1.4% | −0.8% | 16.1% | −5.3% | 9.6% |
| Net interest income | $51.9M | $55.8M | $68.4M | $64.2M | $70.2M |
| Net income | $27.6M | $23.6M | $27.1M | $24.3M | $29.2M |
| Net margin | 40.0% | 34.5% | 34.1% | 32.2% | 35.3% |
| Diluted EPS | $3.27 | $2.82 | $3.29 | $3.01 | $3.67 |
| Cash | |||||
| Cash from operations | $29.6M | $26.5M | $31.0M | $23.0M | $30.2M |
| Capital expenditure | $0.9M | $0.9M | $1.1M | $1.3M | $1.7M |
| Free cash flow | $28.7M | $25.6M | $29.9M | $21.7M | $28.4M |
| FCF margin | 41.6% | 37.4% | 37.6% | 28.8% | 34.4% |
| Dividends paid | $8.6M | $7.2M | $8.3M | $7.7M | $8.1M |
| Share buybacks | $0.5M | $4.6M | $5.0M | $6.0M | $5.8M |
| Share count change | 0.3% | −0.7% | −1.6% | −2.0% | −1.6% |
| Debt and strength | |||||
| Cash and short-term investments | $580M | $317M | $129M | $165M | $243M |
| Loans, net | — | — | $1.3B | $1.4B | $1.5B |
| Deposits | $1.6B | $1.6B | $1.6B | $1.6B | $1.7B |
| Shareholders' equity | $207M | $219M | $233M | $245M | $263M |
| Returns and quality | |||||
| Return on equity | 14.0% | 11.1% | 12.0% | 10.1% | 11.5% |
| Return on tangible equity | 14.4% | 11.6% | 12.4% | 10.5% | 11.8% |
| Efficiency ratio | 50.1% | 56.4% | 54.6% | 58.1% | 55.0% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.2M
10 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Timberland Bancorp Inc · TSBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $46.90 a share, the company is worth $368M: 11.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001046050). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.