Timberland Bancorp Inc. Common Stock (TSBK)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Timberland Bancorp as a small Washington community bank with 271 employees and a $351.2M market cap at the $45.17 close on 2026-10-13. It takes deposits and makes local loans, a business I can understand, though the moat is modest: local relationships help, but larger banks and credit cycles still matter. The filed results show fiscal Q3 2026, the quarter ended 2026-06-30, net income of $7.7M and diluted EPS of $0.98; fiscal Q2 2026, the quarter ended 2026-03-31, net income of $7.1M and EPS of $0.90; fiscal Q1 2026, the quarter ended 2025-12-31, net income of $8.2M and EPS of $1.04; and fiscal Q4 2025, the quarter ended 2025-09-30, net income of $8.4M and EPS of $1.07. Full-year fiscal 2025 had net income of $29.2M and EPS of $3.67, against $24.3M and $3.01 in fiscal 2024 and $27.1M and $3.29 in fiscal 2023. Earnings are reasonable but not perfectly steady. FairStock calculations put P/E at 11.32, P/B at 1.28, ROE at 11.89%, and PEG at 1.30; the 2.66% dividend yield and 0.30 beta suggest a defensive profile. Piotroski is 7/9. The Lynch category is Slow Grower, with profit growth of only 3.7% a year over five years. Banks live on credit, and CET1, net interest margin, nonperforming loans, charge-offs, and reserves are not in the data. Without those, 1.28 times book is fair, not a fat bargain.

In plain English: Timberland Bancorp is a small community bank in Washington that takes deposits and makes loans. Recent profit figures are steady, and the company earns a reasonable return on its shareholders' money. At $45.17, the price looks fair rather than clearly cheap, and the missing details on loan quality make it hard to call it a bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-06-30) · fiscal Q2 2026 10-Q (period ended 2026-03-31) · fiscal Q1 2026 10-Q (period ended 2025-12-31) · fiscal Q4 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-09-30) · FY2024 10-K (period ended 2024-09-30) · FY2023 10-K (period ended 2023-09-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer