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TSBK

NEUTRAL
$41.27 Live
Timberland Bancorp, Inc. · NASDAQ
$29.09 52W Range $43.55
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$325.39M
P/E
10.72
ROE
11.8%
Profit margin
36.4%
Debt/Equity
N/A
Dividend yield
2.64%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
TSBK presents a dichotomy between strong fundamental value and bearish sentiment. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and trades at a significant discount to both its Graham Number ($54.32) and Intrinsic Value ($113.58). While earnings growth is robust at 20.9% YoY and the P/E ratio is attractive at 10.72, these positives are heavily offset by a very bearish technical trend (10/100) and aggressive insider selling by the CFO and President. The stock is fundamentally undervalued but currently lacks a positive catalyst.

Key Strengths

Significant undervaluation relative to Graham Number ($54.32) and Intrinsic Value ($113.58)
Strong earnings growth (20.9% YoY) and revenue growth (10.7% YoY)
Healthy profitability with an ROA of 1.56% and ROE of 11.79%
Conservative dividend payout ratio (27.27%), ensuring sustainability
Low P/E ratio (10.72) compared to broader financial sector averages

Key Risks

Strongly bearish insider sentiment with multiple C-suite executives selling shares
Severe technical breakdown indicated by a Technical Trend score of 10/100
Piotroski F-Score of 4/9 suggests only stable, not strong, financial health
Regional bank exposure to interest rate volatility and credit risk
Lack of analyst coverage and target price guidance
AI Fair Value Estimate
Based on comprehensive analysis
$68.5
+66.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
72
Strong
Value
90
Future
75
Past
80
Health
50
Dividend
65
AI Verdict
Undervalued but Momentum-Negative
Key drivers: Deep value gap, Strong EPS growth, C-suite insider selling, Bearish technicals
Confidence
80%
Value
90/100

Ref P/E 10.72, Graham Number $54.32, Intrinsic Value $113.58

Positives
  • Price is 24% below Graham Number
  • P/E of 10.72 is highly attractive
  • P/B of 1.21 is reasonable for regional banks
Watchpoints
  • PEG ratio of 2.94 suggests growth may be overpriced relative to current P/E
Future
75/100

Ref Growth rates and Technical Trend

Positives
  • 20.9% YoY Earnings growth
  • 10.7% YoY Revenue growth
Watchpoints
  • Technical trend is extremely bearish (10/100)
Past
80/100

Ref 1Y Change and Earnings Track Record

Positives
  • Strong 1Y price performance (+47.2%)
  • Consistent earnings beats in recent quarters
Watchpoints
  • Historical volatility in EPS surprises (2009-2011)
Health
50/100

Ref Piotroski F-Score 4/9; Altman Z-Score N/A for banks

Positives
  • ROA of 1.56% is above the typical 1% bank benchmark
Watchpoints
  • Piotroski F-Score of 4/9 is only mediocre/stable
Dividend
65/100

Ref Yield 2.64%, Payout 27.27%

Positives
  • Low payout ratio (27.27%) provides room for growth
Watchpoints
  • Modest yield of 2.64%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$41.27

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TSBK and closest competitors.

Updated 2026-04-20
TSB
Timberland Bancorp, Inc.
Primary
5Y
+77.3%
3Y
+67.3%
1Y
+47.2%
6M
+30.4%
1M
+8.1%
1W
+0.1%
LNK
LINKBANCORP, Inc.
Peer
5Y
+34.6%
3Y
+48.1%
1Y
+42.7%
6M
+27.5%
1M
+4.7%
1W
+4.0%
ARD
Ares Dynamic Credit Allocation Fund, Inc.
Peer
5Y
+50.0%
3Y
+48.4%
1Y
-2.1%
6M
-0.8%
1M
+2.4%
1W
+0.1%
BFZ
BlackRock California Municipal Income Trust
Peer
5Y
-0.2%
3Y
+13.3%
1Y
+3.6%
6M
+8.5%
1M
+2.2%
1W
-0.3%
ASG
Liberty All-Star Growth Fund, Inc.
Peer
5Y
-5.8%
3Y
+31.9%
1Y
-1.2%
6M
+1.3%
1M
+1.1%
1W
+0.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
10.72
Forward P/E
N/A
PEG Ratio
2.94
P/B Ratio
1.21
P/S Ratio
3.89
EV/Revenue
1.14
EV/EBITDA
N/A
Market Cap
$325.39M

Profitability

Profit margins and return metrics

Profit Margin 36.45%
Operating Margin 49.0%
Gross Margin N/A
ROE 11.79%
ROA 1.56%

Growth

Revenue and earnings growth rates

Revenue Growth +10.7%
Earnings Growth +20.9%
Q/Q Revenue Growth +10.78%
Q/Q Earnings Growth +19.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$32.13

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
39.7%
Total Assets
$2.0B
Liabilities
$1.7B
Equity
$0.3B
Debt/Equity
6.47x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-28
$N/A
2015-01-26
$0.24
+4.3% surprise
2014-11-03
$0.23
+4.5% surprise
2014-07-22
$0.2
-4.8% surprise

Financial Services Sector Comparison

Comparing TSBK against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
P/E Ratio
10.72
This Stock
vs
41.68
Sector Avg
-74.3% (Discount)
Return on Equity (ROE)
11.79%
This Stock
vs
-0.24%
Sector Avg
-4953.5% (Below Avg)
Profit Margin
36.45%
This Stock
vs
47.47%
Sector Avg
-23.2% (Weaker)
Revenue Growth
10.7%
This Stock
vs
39.3%
Sector Avg
-72.8% (Slower)

Similar Companies

Peer comparison within the same industry

TSBK Timberland Bancorp, Inc.
NEUTRAL
Mkt Cap
$325M
P/E
10.7
ROE
11.8%
Price
$41.27
LNKB LINKBANCORP, Inc.
BEARISH
Mkt Cap
$327M
P/E
9.7
ROE
11.4%
Price
$8.74
 Compare with TSBK
ARDC Ares Dynamic...
BEARISH
Mkt Cap
$322M
P/E
10.8
ROE
-%
Price
$13.5
 Compare with TSBK
BFZ BlackRock...
BEARISH
Mkt Cap
$329M
P/E
-
ROE
-6.5%
Price
$10.95
 Compare with TSBK
ASG Liberty...
BEARISH
Mkt Cap
$331M
P/E
9.5
ROE
9.7%
Price
$5.34
 Compare with TSBK

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

ANTICH BREANNE D
Chief Technology Officer
Sell
2026-02-06
800 shares · $32,040
ANTICH BREANNE D
Chief Technology Officer
Option Exercise
2026-02-06
800 shares · $22,252
BASICH MARCI ANN
Chief Financial Officer
Sell
2026-02-05
477 shares · $18,842
BASICH MARCI ANN
Chief Financial Officer
Option Exercise
2026-02-05
477 shares · $13,466
FISCHER JONATHAN ARTHUR
President
Sell
2026-02-05
2,000 shares · $79,000
FISCHER JONATHAN ARTHUR
President
Option Exercise
2026-02-05
2,000 shares · $31,340
BASICH MARCI ANN
Chief Financial Officer
Sell
2026-02-03
4,723 shares · $186,645
BASICH MARCI ANN
Chief Financial Officer
Option Exercise
2026-02-03
4,723 shares · $141,962
DEBORD MATTHEW J
Officer
Sell
2026-02-02
3,805 shares · $150,412
DEBORD MATTHEW J
Officer
Option Exercise
2026-02-02
3,805 shares · $95,002
CLINTON ANDREA M
Director
Sell
2026-01-30
1,600 shares · $62,704
CLINTON ANDREA M
Director
Option Exercise
2026-01-30
1,600 shares · $42,398
DEBORD MATTHEW J
Officer
Sell
2025-12-15
5,195 shares · $194,864
DEBORD MATTHEW J
Officer
Option Exercise
2025-12-15
5,195 shares · $151,546
STONEY MICHAEL JOHN
Director
Sell
2025-12-11
1,000 shares · $36,990
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-Q
10-Q
2026-02-06

TSBK filed its 10-Q on February 6, 2026, which includes a section on risk factors under Item 1A. Due to the limited content provided, specific financial highlights and detailed risk disclosures are not available in the excerpt.

8-K
8-K
2026-01-29

TSBK filed an 8-K on January 29, 2026, likely announcing its year-end financial results or a significant corporate update.

8-K
8-K
2026-01-27

TSBK filed an 8-K on January 27, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-07
DEF 14A
DEF 14A
2025-12-17

TSBK filed a definitive proxy statement on December 17, 2025, providing shareholders with necessary information and voting materials for an upcoming meeting.

8-K
8-K
2025-12-11
10-K
10-K
2025-12-09

TSBK's 10-K filing for the fiscal year ended September 30, 2025, details the company's operating results, liquidity, and capital resources. The report focuses on core banking activities, including lending, investment, and deposit operations, while addressing critical accounting estimates and market risks.

8-K
8-K
2025-10-31

Webster Financial Corporation (TSBK) filed an 8-K on October 31, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-08-08

TSBK filed its 10-Q on August 8, 2025. The filing includes a section on Risk Factors under Item 1A, although specific financial highlights and risk details were not provided in the available excerpt.

8-K
8-K
2025-07-23

TSBK filed an 8-K on July 23, 2025, likely to announce its second-quarter financial results.

10-Q
10-Q
2025-05-09
8-K
8-K
2025-04-24
10-Q
10-Q
2025-02-10
8-K
8-K
2025-01-31
8-K
8-K
2025-01-28
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning TSBK from our newsroom.

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