What is Timberland Bancorp Inc's earnings per share (EPS)?

Timberland Bancorp Inc (TSBK) reported diluted earnings per share of $3.67 for fiscal year 2025. This represents a 21.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Timberland Bancorp Inc (TSBK) Financials

TSBK

Trailing 12 months to June 30, 2026

Revenue $87.0M +9.4% YoY

Net Income $31.5M +16.4% YoY

EPS (Diluted) $3.99 +17.4% YoY

Free Cash Flow $29.1M +15.1% YoY

Market Cap $353.7M as of Oct 3, 2026

Price / Sales 4.1x on $87.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.2x on $31.5M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $273.2M equity, Q3 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE September

Newest figures come from the 10-Q for Q3 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TSBK SEC filings page.

Timberland Bancorp Inc (TSBK) reported $87.0M in revenue over the twelve months to Jun 30, 2026, up 9.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TSBK FY2025 2026-10-04

Timberland's earnings largely convert into cash, while a liability-funded balance sheet keeps leverage high but gradually improving.

Cash conversion strengthened in FY2025: net income reached $29.2M while operating cash flow reached $30.2M, showing reported profits were broadly realized in cash. Free-cash-flow margin then rose from 28.8% in FY2024 to 34.4%, indicating more of that cash remained after reinvestment.

Balance-sheet scale is central to the business: assets expanded from $1.79B in FY2021 to $2.01B in FY2025, yet ROA was only 1.5%. That pairing points to a capital-intensive financial model in which modest returns are generated on a large asset base.

Reported leverage eased from 7.7x in FY2021 to 6.7x in FY2025, showing balance-sheet strengthening rather than simple asset expansion. The share count also fell from 8.4M to 7.9M, so FY2025's earnings-per-share improvement reflected fewer shares as well as higher net income.

Financial Health Signals

Financial Health Score 58/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Timberland Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Timberland Bancorp Inc earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.3% the prior year. Earnings ranks banks on that return over three years, and Timberland Bancorp Inc scores 83/100 among other banks.

Growth

Timberland Bancorp Inc reported revenue of $82.6M in fiscal year 2025, against $75.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Timberland Bancorp Inc scores 23/100 among other banks.

Capital

Timberland Bancorp Inc funded 13.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $262.6M of equity against $2.0B of assets. Capital ranks banks on that cushion, and Timberland Bancorp Inc scores 69/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Timberland Bancorp Inc scores 79/100 on it among other banks.

Credit Quality

Not available for Timberland Bancorp Inc, and counted as zero in the overall score.

Stability

Timberland Bancorp Inc reported net income of $29.2M in fiscal year 2025, against $24.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Timberland Bancorp Inc scores 92/100 among other banks.

Piotroski F-Score Partial

6/6

Timberland Bancorp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.03x

For every $1 of reported earnings, Timberland Bancorp Inc generates $1.03 in operating cash flow ($30.2M OCF vs $29.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$21.8M

YoY+6.3%

QoQ+3.5%

5Y CAGR+4.6%

10Y CAGR+7.7%

Timberland Bancorp Inc generated $21.8M in revenue in Q3 2026. This represents an increase of 6.3% from the same quarter a year earlier. Against the prior quarter it is up 3.5%.

Net Income

$7.7M

YoY+8.7%

QoQ+8.3%

5Y CAGR+1.9%

10Y CAGR+11.7%

Timberland Bancorp Inc reported $7.7M in net income in Q3 2026. This represents an increase of 8.7% from the same quarter a year earlier. Against the prior quarter it is up 8.3%.

EPS (Diluted)

$0.98

YoY+8.9%

QoQ+8.9%

5Y CAGR+3.4%

10Y CAGR+10.5%

Timberland Bancorp Inc earned $0.98 per diluted share (EPS) in Q3 2026. This represents an increase of 8.9% from the same quarter a year earlier. Against the prior quarter it is up 8.9%.

EBITDA

Not reported for Q3 2026.

Cash & Balance Sheet

Free Cash Flow

$7.8M

YoY-24.9%

QoQ+24.3%

5Y CAGR-8.9%

10Y CAGR+56.3%

Timberland Bancorp Inc generated $7.8M in free cash flow in Q3 2026, representing cash available after capex. This represents a decrease of 24.9% from the same quarter a year earlier. Against the prior quarter it is up 24.3%.

Cash & Debt

$246.1M

YoY+27.1%

QoQ-16.5%

5Y CAGR-13.3%

10Y CAGR+10.7%

Timberland Bancorp Inc held $246.1M in cash as of Q3 2026; long-term debt is not reported for that period.

Shares Outstanding

YoY-1.5%

QoQ-0.7%

5Y CAGR-1.4%

10Y CAGR+1.1%

Timberland Bancorp Inc had 8M shares outstanding in Q3 2026. This represents a decrease of 1.5% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.

Dividends Per Share

Not reported for Q3 2026.

Margins & Returns

Net Margin

35.4%

YoY+0.8pp

QoQ+1.6pp

5Y change-4.9pp

10Y change+10.9pp

Timberland Bancorp Inc's net profit margin was 35.4% in Q3 2026, showing the share of revenue converted to profit. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.

Return on Equity

2.8%

YoY+0.1pp

QoQ+0.2pp

5Y change-0.6pp

10Y change+0.1pp

Timberland Bancorp Inc's ROE was 2.8% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q3 2026.

Operating Margin

Not reported for Q3 2026.

Capital Allocation

Share Buybacks

$2.9M

YoY+171.3%

QoQ-8.0%

5Y CAGR+43.6%

Timberland Bancorp Inc spent $2.9M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 171.3% from the same quarter a year earlier. Against the prior quarter it is down 8.0%.

Capital Expenditures

$587K

YoY+35.9%

QoQ+24.1%

5Y CAGR+31.5%

10Y CAGR+11.7%

Timberland Bancorp Inc invested $587K in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 35.9% from the same quarter a year earlier. Against the prior quarter it is up 24.1%.

R&D Spending

Not reported for Q3 2026.

TSBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TSBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$87.0M	$82.6M+9.6%	$75.3M-5.3%	$79.5M+16.1%	$68.5M-0.8%	$69.0M+1.4%	$68.1M+3.9%	$65.5M+26.9%	$51.6M+8.6%	$47.5M+14.0%	$41.7M+13.3%	$36.8M+6.8%	$34.4M-4.5%	$36.1M+1.8%	$35.4M+3.9%	$34.1M
SG&A Expenses	$31.3M	$23.9M+0.8%	$23.7M+0.7%	$23.6M+13.2%	$20.8M+11.0%	$18.8M+2.2%	$18.4M-1.0%	$18.5M+17.8%	$15.7M+5.6%	$14.9M+7.1%	$13.9M+5.5%	$13.2M-0.7%	$13.3M+5.5%	$12.6M+4.6%	$12.1M-4.2%	$12.6M
Interest Expense	$32.0M	$32.1M+4.6%	$30.7M+164.5%	$11.6M+333.5%	$2.7M-13.9%	$3.1M-34.0%	$4.7M+3.0%	$4.6M+64.3%	$2.8M-13.1%	$3.2M-21.5%	$4.1M+4.7%	$3.9M-1.2%	$3.9M-11.3%	$4.4M-25.4%	$5.9M-30.3%	$8.5M
Income Tax	$7.6M	$7.1M+15.5%	$6.1M-11.0%	$6.9M+15.3%	$6.0M-12.9%	$6.8M+13.4%	$6.0M+2.3%	$5.9M+3.5%	$5.7M-19.4%	$7.1M+44.4%	$4.9M+16.9%	$4.2M+49.7%	$2.8M+11.4%	$2.5M+41.2%	$1.8M+485.9%	$304K
Net Income	$31.5M	$29.2M+20.1%	$24.3M-10.5%	$27.1M+14.9%	$23.6M-14.4%	$27.6M+13.7%	$24.3M+1.0%	$24.0M+43.7%	$16.7M+18.0%	$14.2M+39.5%	$10.2M+22.5%	$8.3M+41.7%	$5.8M+23.0%	$4.8M+3.6%	$4.6M+321.5%	$1.1M
EPS (Basic)	N/A	$3.68+21.9%	$3.02-9.0%	$3.32+16.9%	$2.84-14.2%	$3.31+13.7%	$2.91+0.7%	$2.89+26.8%	$2.28+14.6%	$1.99+34.5%	$1.48+23.3%	$1.20+46.3%	$0.82+39.0%	$0.59+13.5%	$0.52	$0.00
EPS (Diluted)	$3.99	$3.67+21.9%	$3.01-8.5%	$3.29+16.7%	$2.82-13.8%	$3.27+13.5%	$2.88+1.4%	$2.84+27.9%	$2.22+15.6%	$1.92+34.3%	$1.43+22.2%	$1.17+46.2%	$0.80+37.9%	$0.58+11.5%	$0.52	$0.00
Diluted Shares (Avg)	N/A	8M-1.6%	8M-2.0%	8M-1.6%	8M-0.7%	8M+0.3%	8M-0.5%	8M+12.5%	8M+2.0%	7M+3.9%	7M+0.5%	7M+0.7%	7M+1.9%	7M+1.6%	7M+0.5%	7M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$21.8M+6.3%	$21.1M+5.8%	$21.7M+10.4%	$22.5M+15.4%	$20.5M+9.2%	$19.9M+9.0%	$19.7M+4.6%	$19.5M-1.4%
SG&A Expenses	$6.4M+9.6%	$6.5M+8.2%	$6.5M+5.9%	$12.0M+8.1%	$5.8M-1.7%	$6.0M-0.8%	$6.1M+3.1%	$11.1M+0.9%
Interest Expense	$7.9M-0.7%	$7.7M+0.8%	$8.2M-0.5%	$8.2M-3.2%	$7.9M-2.9%	$7.7M+1.7%	$8.3M+27.6%	$8.5M+79.4%
Income Tax	$1.9M+7.7%	$1.7M+1.9%	$2.1M+22.7%	$1.9M+18.4%	$1.8M+16.6%	$1.7M+16.0%	$1.7M+10.8%	$1.6M-3.2%
Net Income	$7.7M+8.7%	$7.1M+5.6%	$8.2M+19.8%	$8.4M+32.9%	$7.1M+19.9%	$6.8M+18.3%	$6.9M+9.0%	$6.4M-4.3%
EPS (Basic)	$0.99+10.0%	$0.91+7.1%	$1.04+20.9%	$1.07+33.8%	$0.90+21.6%	$0.85+19.7%	$0.86+10.3%	$0.80-2.4%
EPS (Diluted)	$0.98+8.9%	$0.90+5.9%	$1.04+20.9%	$1.07+35.4%	$0.90+21.6%	$0.85+21.4%	$0.86+11.7%	$0.79-2.5%
Diluted Shares (Avg)	8M-0.8%	8M-0.6%	8M-1.0%	N/A	8M-1.5%	8M-1.9%	8M-2.0%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TSBK Balance Sheet

TSBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.0B+4.6%	$1.9B+4.5%	$1.8B-1.1%	$1.9B+3.8%	$1.8B+14.4%	$1.6B+25.6%	$1.2B+22.5%	$1.0B+7.0%	$952.0M+6.8%	$891.4M+9.3%	$815.8M+9.4%	$745.6M0.0%	$745.6M+1.2%	$737.0M-0.2%	$738.2M
Cash & Equivalents	$243.4M+47.8%	$164.7M+28.0%	$128.7M-59.4%	$316.8M-45.4%	$580.2M+84.5%	$314.5M+119.9%	$143.0M-3.9%	$148.9M+0.5%	$148.2M+36.0%	$108.9M+18.0%	$92.3M+27.6%	$72.4M-23.4%	$94.5M-2.2%	$96.7M0.0%	$96.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M+167.8%	$5.7M0.0%	$5.7M0.0%	$5.7M0.0%	$5.7M0.0%	$5.7M0.0%	$5.7M0.0%	$5.7M0.0%	$5.7M
Total Liabilities	$1.8B+4.3%	$1.7B+4.4%	$1.6B-2.1%	$1.6B+3.6%	$1.6B+15.0%	$1.4B+28.1%	$1.1B+20.4%	$893.6M+6.3%	$841.0M+5.8%	$794.6M+9.3%	$726.6M+9.6%	$662.8M+1.0%	$656.0M+1.4%	$646.6M-0.8%	$652.0M
Total Equity	$262.6M+7.0%	$245.4M+5.3%	$233.1M+6.6%	$218.6M+5.6%	$206.9M+10.3%	$187.6M+9.7%	$171.1M+37.2%	$124.7M+12.3%	$111.0M+14.6%	$96.8M+8.6%	$89.2M+7.7%	$82.8M-7.7%	$89.7M-0.7%	$90.3M+9.1%	$82.8M
Retained Earnings	$236.6M+9.8%	$215.5M+8.1%	$199.4M+10.4%	$180.5M+10.0%	$164.2M+13.1%	$145.2M+13.4%	$128.0M+15.8%	$110.5M+12.5%	$98.2M+12.0%	$87.7M+9.5%	$80.1M+9.0%	$73.5M+6.6%	$69.0M+4.9%	$65.8M+5.6%	$62.3M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$2.1B+5.3%	$2.0B+5.9%	$2.0B+5.1%	$2.0B+4.6%	$2.0B+3.0%	$1.9B+1.3%	$1.9B+0.8%	$1.9B+4.5%
Cash & Equivalents	$246.1M+27.1%	$294.7M+54.1%	$246.9M+50.5%	$243.4M+47.8%	$193.6M+21.8%	$191.2M+6.0%	$164.1M+3.8%	$164.7M+28.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%	$15.1M0.0%
Total Liabilities	$1.8B+5.1%	$1.8B+5.7%	$1.7B+4.7%	$1.8B+4.3%	$1.7B+2.5%	$1.7B+0.7%	$1.7B+0.2%	$1.7B+4.4%
Total Equity	$273.2M+6.4%	$271.1M+7.4%	$268.4M+7.7%	$262.6M+7.0%	$256.7M+6.4%	$252.5M+5.8%	$249.2M+5.0%	$245.4M+5.3%
Retained Earnings	$252.9M+9.9%	$247.5M+9.9%	$242.6M+10.1%	$236.6M+9.8%	$230.2M+9.1%	$225.2M+8.7%	$220.4M+8.4%	$215.5M+8.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

TSBK Cash Flow Statement

TSBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$31.2M	$30.2M+31.0%	$23.0M-25.7%	$31.0M+17.0%	$26.5M-10.6%	$29.6M-12.5%	$33.9M+87.0%	$18.1M-15.6%	$21.4M+54.8%	$13.9M+17.3%	$11.8M+55.0%	$7.6M-11.6%	$8.6M-25.5%	$11.6M-24.8%	$15.4M+43.8%	$10.7M
Depreciation & Amortization	N/A	$1.7M+1.9%	$1.7M+2.0%	$1.7M-1.8%	$1.7M-12.5%	$1.9M-2.7%	$2.0M-3.8%	$2.1M+59.4%	$1.3M+2.2%	$1.3M-5.0%	$1.3M-2.3%	$1.4M-0.1%	$1.4M+11.0%	$1.2M+12.6%	$1.1M-6.1%	$1.2M
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$441K-50.0%	$882K+45.8%	$605K+49.8%	$404K+20.2%	$336K+27.3%	$264K-0.4%	$265K+0.4%	$264K0.0%	$264K
Capital Expenditures	$2.2M	$1.7M+32.5%	$1.3M+18.4%	$1.1M+21.4%	$911K+1.8%	$895K-54.9%	$2.0M-7.7%	$2.2M-1.6%	$2.2M-38.0%	$3.5M+450.9%	$640K-8.6%	$700K-41.1%	$1.2M-8.7%	$1.3M-9.3%	$1.4M+41.5%	$1.0M
Free Cash Flow	$29.1M	$28.4M+30.9%	$21.7M-27.4%	$29.9M+16.8%	$25.6M-11.0%	$28.7M-9.8%	$31.9M+99.7%	$16.0M-17.2%	$19.3M+86.4%	$10.3M-7.6%	$11.2M+61.4%	$6.9M-6.8%	$7.4M-27.6%	$10.3M-26.4%	$14.0M+44.1%	$9.7M
Investing Cash Flow	-$47.6M	-$8.2M+82.0%	-$45.8M+73.1%	-$170.2M+49.2%	-$335.2M-995.1%	$37.4M+124.2%	-$154.7M-247.2%	-$44.5M+34.7%	-$68.3M-238.6%	-$20.2M+66.1%	-$59.5M-21.2%	-$49.1M-100.8%	-$24.5M-39.5%	-$17.5M+26.9%	-$24.0M-466.0%	-$4.2M
Financing Cash Flow	$68.8M	$56.8M-3.4%	$58.8M+220.4%	-$48.8M-207.9%	$45.2M-77.2%	$198.7M-32.0%	$292.2M+1319.4%	$20.6M-56.6%	$47.5M+4.3%	$45.6M-29.2%	$64.4M+4.8%	$61.4M+1074.5%	-$6.3M-266.3%	$3.8M+155.7%	-$6.8M-10.0%	-$6.2M
Dividends Paid	$8.8M	$8.1M+5.7%	$7.7M-7.5%	$8.3M+14.3%	$7.2M-15.8%	$8.6M+21.3%	$7.1M+9.1%	$6.5M+46.6%	$4.4M+21.7%	$3.6M+41.2%	$2.6M+52.3%	$1.7M+42.9%	$1.2M-13.4%	$1.4M-34.2%	$2.1M	$0
Share Buybacks	$8.9M	$5.8M-3.3%	$6.0M+19.2%	$5.0M+9.1%	$4.6M+769.6%	$527K-57.4%	$1.2M+148.1%	$499K	$0	$0-100.0%	$820K+15.7%	$709K	$0	$0	N/A	N/A

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$8.4M-22.5%	$6.7M-45.6%	$6.1M+299.1%	$10.1M+52.4%	$10.8M+45.1%	$12.4M+200.7%	-$3.1M-162.8%	$6.6M-14.8%
Depreciation & Amortization	$397K-6.1%	$408K-3.5%	$397K-5.5%	$451K+5.4%	$423K-0.2%	$423K+0.5%	$420K+1.9%	$428K+0.2%
Capital Expenditures	$587K+35.9%	$473K+140.1%	$505K-0.2%	$600K+100.7%	$432K+101.9%	$197K-60.4%	$506K+69.8%	$299K-24.3%
Free Cash Flow	$7.8M-24.9%	$6.2M-48.6%	$5.6M+256.6%	$9.5M+50.1%	$10.3M+43.4%	$12.2M+236.8%	-$3.6M-178.0%	$6.3M-14.3%
Investing Cash Flow	-$62.3M-159.3%	$6.9M+453.7%	$12.1M-44.9%	-$4.3M+74.8%	-$24.0M-58.4%	-$1.9M-117.2%	$22.1M+188.8%	-$17.1M+50.6%
Financing Cash Flow	$5.4M-65.8%	$34.2M+104.4%	-$14.8M+24.7%	$44.0M+169.9%	$15.7M+214.4%	$16.7M+142.5%	-$19.7M-139.9%	$16.3M-36.3%
Dividends Paid	$2.3M+10.6%	$2.3M+15.3%	$2.2M+10.7%	$2.1M+7.4%	$2.1M+6.8%	$2.0M+1.9%	$2.0M+6.7%	$1.9M+2.6%
Share Buybacks	$2.9M+171.3%	$3.1M+62.9%	$1.0M+13.1%	$1.9M+65.3%	$1.1M-40.4%	$1.9M-28.6%	$884K+144.2%	$1.2M+31.6%

Not reported in any period shown, so not listed: Stock-Based Compensation.

TSBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TSBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	35.3%+3.1pp	32.3%-1.9pp	34.1%-0.4pp	34.5%-5.5pp	40.0%+4.3pp	35.6%-1.0pp	36.7%+4.3pp	32.4%+2.6pp	29.8%+5.5pp	24.3%+1.8pp	22.5%+5.5pp	17.0%+3.8pp	13.2%+0.2pp	13.0%+9.8pp	3.2%
Return on Equity	11.1%+1.2pp	9.9%-1.7pp	11.6%+0.8pp	10.8%-2.5pp	13.3%+0.4pp	12.9%-1.1pp	14.0%+0.6pp	13.4%+0.7pp	12.8%+2.3pp	10.5%+1.2pp	9.3%+2.2pp	7.1%+1.8pp	5.3%+0.2pp	5.1%+3.8pp	1.3%
Return on Assets	1.5%+0.2pp	1.3%-0.2pp	1.5%+0.2pp	1.3%-0.3pp	1.5%0.0pp	1.6%-0.4pp	1.9%+0.3pp	1.6%+0.2pp	1.5%+0.3pp	1.1%+0.1pp	1.0%+0.2pp	0.8%+0.1pp	0.6%0.0pp	0.6%+0.5pp	0.1%
Debt-to-Equity	6.66-0.2x	6.84-0.1x	6.89-0.6x	7.51-0.1x	7.66+0.3x	7.35+1.1x	6.29-0.9x	7.17-0.4x	7.58-0.6x	8.21+0.1x	8.15+0.1x	8.01+0.7x	7.31+0.2x	7.16-0.7x	7.88
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	34.4%+5.6pp	28.8%-8.8pp	37.6%+0.2pp	37.4%-4.3pp	41.6%-5.2pp	46.8%+22.5pp	24.4%-13.0pp	37.3%+15.6pp	21.8%-5.1pp	26.8%+8.0pp	18.8%-2.8pp	21.6%-6.9pp	28.5%-10.9pp	39.4%+11.0pp	28.4%

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Net Margin	35.4%+0.8pp	33.9%-0.1pp	37.8%+3.0pp	37.6%+4.9pp	34.6%+3.1pp	33.9%+2.7pp	34.9%+1.4pp	32.6%-1.0pp
Return on Equity	2.8%+0.1pp	2.6%0.0pp	3.1%+0.3pp	3.2%+0.6pp	2.8%+0.3pp	2.7%+0.3pp	2.8%+0.1pp	2.6%-0.3pp
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.4%0.0pp	0.3%0.0pp
Debt-to-Equity	6.54-0.1x	6.55-0.1x	6.47-0.2x	6.66-0.2x	6.63-0.3x	6.65-0.3x	6.66-0.3x	6.84-0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	35.6%-14.8pp	29.7%-31.4pp	25.7%+43.8pp	42.2%+9.7pp	50.5%+12.1pp	61.1%+41.3pp	-18.1%-42.4pp	32.4%-4.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Timberland Bancorp Inc TSBK	FY2025	$82.6M	$29.2M	35.3%	$353.7M	58/100
Waterstone Financial, Inc. WSBF	FY2025	$141.9M	$26.4M	18.6%	$358.5M	47/100
Fidelity D & D Bancorp, Inc. FDBC	FY2025	$93.2M	$28.2M	30.3%	$321.3M	40/100
Parke Bancorp Inc. PKBK	FY2025	$79.9M	$37.8M	47.3%	$386.6M	73/100
HomeStreet, Inc. HMST	FY2025	$49.7M	$265.7M	N/A	$262.4M	16/100
Northeast Community Bancorp, Inc. NECB	FY2025	$104.8M	$44.4M	42.4%	$366.9M	55/100

Where Timberland Bancorp Inc Ranks

Frequently Asked Questions

What is Timberland Bancorp Inc's annual revenue?

Timberland Bancorp Inc (TSBK) reported $82.6M in total revenue for fiscal year 2025. This represents a 9.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Timberland Bancorp Inc's revenue growing?

Timberland Bancorp Inc (TSBK) revenue grew by 9.6% year-over-year, from $75.3M to $82.6M in fiscal year 2025.

Is Timberland Bancorp Inc profitable?

Yes, Timberland Bancorp Inc (TSBK) reported a net income of $29.2M in fiscal year 2025, with a net profit margin of 35.3%.

What is Timberland Bancorp Inc's net profit margin?

Timberland Bancorp Inc (TSBK) had a net profit margin of 35.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Timberland Bancorp Inc pay dividends?

Yes, Timberland Bancorp Inc (TSBK) paid $1.02 per share in dividends during fiscal year 2025.

What is Timberland Bancorp Inc's return on equity (ROE)?

Timberland Bancorp Inc (TSBK) has a return on equity of 11.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Timberland Bancorp Inc's free cash flow?

Timberland Bancorp Inc (TSBK) generated $28.4M in free cash flow during fiscal year 2025. This represents a 30.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Timberland Bancorp Inc's operating cash flow?

Timberland Bancorp Inc (TSBK) generated $30.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Timberland Bancorp Inc's total assets?

Timberland Bancorp Inc (TSBK) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Timberland Bancorp Inc's capital expenditures?

Timberland Bancorp Inc (TSBK) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Timberland Bancorp Inc buy back shares?

Yes, Timberland Bancorp Inc (TSBK) spent $5.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Timberland Bancorp Inc have outstanding?

Timberland Bancorp Inc (TSBK) had 8M shares outstanding as of fiscal year 2025.

What is Timberland Bancorp Inc's debt-to-equity ratio?

Timberland Bancorp Inc (TSBK) had a debt-to-equity ratio of 6.66 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Timberland Bancorp Inc's return on assets (ROA)?

Timberland Bancorp Inc (TSBK) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Timberland Bancorp Inc's P/E ratio?

Timberland Bancorp Inc (TSBK) trades at 11.2x earnings, its market capitalization divided by net income of $31.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $353.7M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Timberland Bancorp Inc's price-to-sales ratio?

Timberland Bancorp Inc (TSBK) trades at 4.1x sales, its market capitalization divided by revenue of $87.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $353.7M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Timberland Bancorp Inc's Piotroski F-Score?

Timberland Bancorp Inc (TSBK) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Timberland Bancorp Inc's earnings high quality?

Timberland Bancorp Inc (TSBK) has an earnings quality ratio of 1.03x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Timberland Bancorp Inc?

Timberland Bancorp Inc (TSBK) scores 58 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.