Timberland Bncp Financials
Timberland Bncp (TSBK) reported $102.3M in revenue for fiscal year 2025, up 7.9% from the prior fiscal year. 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).
A lightly capitalized but de-levering balance sheet is producing a cash-backed earnings recovery rather than growth bought with extra leverage.
FY2025 net income recovered to$29.2M from$24.3M in FY2024 while debt-to-equity still eased from 6.8x to 6.7x and ROA rebounded from1.3% to1.5% . With operating cash flow rising to$30.2M , the stronger profit appears to come from a more productive asset base, not from adding balance-sheet risk faster than capital.
The company remains highly liability-funded, with
Cash conversion quality looks disciplined: free cash flow was
Financial Health Signals
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 Bncp'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.
Not available for Timberland Bncp, and counted as zero in the overall score.
Timberland Bncp 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.
For every $1 of reported earnings, Timberland Bncp 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
Earnings & Revenue
Timberland Bncp generated $102.3M in revenue in fiscal year 2025. This represents an increase of 7.9% from the prior year.
Timberland Bncp reported $29.2M in net income in fiscal year 2025. This represents an increase of 20.1% from the prior year.
Timberland Bncp earned $3.67 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.9% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Timberland Bncp generated $28.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 30.9% from the prior year.
Timberland Bncp held $243.4M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Timberland Bncp paid $1.02 per share in dividends in fiscal year 2025. This represents an increase of 7.4% from the prior year.
Margins & Returns
Timberland Bncp's net profit margin was 28.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.9 percentage points from the prior year.
Timberland Bncp's ROE was 11.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Timberland Bncp spent $5.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 3.3% from the prior year.
Timberland Bncp invested $1.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 32.5% from the prior year.
Not reported for fiscal year 2025.
TSBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $106.4M | $102.3M+7.9% | $94.8M+18.6% | $80.0M+36.6% | $58.5M+6.5% | $55.0M-1.1% | $55.6M-0.3% | $55.7M+33.2% | $41.8M+9.1% | $38.3M+9.9% | $34.9M+11.9% | $31.2M+4.4% | $29.9M-1.3% | $30.2M-4.3% | $31.6M-7.0% | $34.0M |
| 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 (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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TSBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
TSBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
TTM is the trailing twelve months, Q4 FY2025 through Q3 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TSBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.5%+2.9pp | 25.6%-8.3pp | 33.9%-6.4pp | 40.3%-9.9pp | 50.2%+6.5pp | 43.7%+0.6pp | 43.1%+3.1pp | 40.0%+3.0pp | 37.0%+7.8pp | 29.1%+2.5pp | 26.6%+7.0pp | 19.6%+3.9pp | 15.7%+1.2pp | 14.5%+11.3pp | 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 |
| FCF Margin | 27.8%+4.9pp | 22.9%-14.5pp | 37.4%-6.3pp | 43.7%-8.6pp | 52.3%-5.0pp | 57.3%+28.7pp | 28.6%-17.4pp | 46.1%+19.1pp | 27.0%-5.1pp | 32.0%+9.8pp | 22.2%-2.7pp | 24.9%-9.1pp | 34.0%-10.2pp | 44.1%+15.6pp | 28.5% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Timberland Bncp Ranks
Frequently Asked Questions
What is Timberland Bncp's annual revenue?
Timberland Bncp (TSBK) reported $102.3M in total revenue for fiscal year 2025. This represents a 7.9% 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 Bncp's revenue growing?
Timberland Bncp (TSBK) revenue grew by 7.9% year-over-year, from $94.8M to $102.3M in fiscal year 2025.
Is Timberland Bncp profitable?
Yes, Timberland Bncp (TSBK) reported a net income of $29.2M in fiscal year 2025, with a net profit margin of 28.5%.
What is Timberland Bncp's net profit margin?
Timberland Bncp (TSBK) had a net profit margin of 28.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Timberland Bncp pay dividends?
Yes, Timberland Bncp (TSBK) paid $1.02 per share in dividends during fiscal year 2025.
What is Timberland Bncp's return on equity (ROE)?
Timberland Bncp (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 Bncp's free cash flow?
Timberland Bncp (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 Bncp's operating cash flow?
Timberland Bncp (TSBK) generated $30.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Timberland Bncp's total assets?
Timberland Bncp (TSBK) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Timberland Bncp's capital expenditures?
Timberland Bncp (TSBK) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Timberland Bncp's debt-to-equity ratio?
Timberland Bncp (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 Bncp's return on assets (ROA)?
Timberland Bncp (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 Bncp's Piotroski F-Score?
Timberland Bncp (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 Bncp's earnings high quality?
Timberland Bncp (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 Bncp?
Timberland Bncp (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.