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Timberland Bancorp

NMQ:TSBK · US8870981011
BanksSmall

360

64
Medium confidence — indicative
Profit price63
Cash yield1
Price/Sales35
EV / Gross Profit97
Price/Book33
Returns on capital82
Profit margins—
Cash Conversion48
Accruals72
Owner Earnings Margin84
Sales growth25
Profit Growth40
Owner Earnings Growth44
Reinvestment72
Price momentum63
Debt load98
Debt serviceability35
Liquidity86
Analyst ratings—
Expectations trend—
Market mood61
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Timberland Bancorp generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGM
Founded1997
Websitetimberlandbank.com
ISINUS8870981011
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Finance

Description

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank (the bank). The bank serves consumers and businesses across Grays Harbor, Pierce, Thurston, King, Kitsap, and Lewis counties, Washington with a full range of lending a…

Analysis

Quality compounder

Timberland Bancorp, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.5×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 17/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
83
2026

All-time high

83

Jun 2026

All-time low

69

Mar 2026

Average rank

76

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
35
—
—
19
Price/Earnings
86
—
—
37
Price/Book
33
—
—
13
Dividend Yield
1
—
—
57
Value (overall)
29
—
—
28

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →