TSBKNasdaqSavings Institutions, Not Federally CharteredFiscal year ends September 30
TIMBERLAND BANCORP INC
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$45.39−0.15 (-0.33%)
Close on Oct 19, 2026
- Market cap
- $356.56M
- P/E (TTM)
- 11.4
- Dividend yield
- 2.25%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
35.3%−0.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.6% | +6.4% | +3.9% | +8.4% | |
| Net income | +20.1% | +7.3% | +3.7% | +13.4% | |
| EPS, diluted | +21.9% | +9.2% | +5.0% | +12.1% | |
| Free cash flow | +30.9% | +3.6% | -2.3% | +15.2% | |
| Dividend per share | +7.4% | +5.4% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.9% | 13.5% | 11.5% | |
| Return on assets | 1.2% | 1.7% | 1.5% | |
| Capex to revenue | 1.5% | 2.9% | 2.1% | |
| Diluted shares | 7M | 8M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Timberland Bancorp generated $140.31M from operations and spent $67.60M on capital expenditure, dividends and share buybacks. 9% of that went back into the business.
Generated
$140.31M
Used
$67.60M
Capital expenditure$5.96M9%Dividends$39.82M59%Share buybacks$21.83M32%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin35.3%
×Asset turnover0.04×
×Equity multiplier7.75×
=Return on equity, FY202511.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 35.3% | 0.04× | 7.75× | 11.5% |
| FY2024 | 32.2% | 0.04× | 7.87× | 10.1% |
| FY2023 | 34.1% | 0.04× | 8.19× | 12.0% |
| FY2022 | 34.5% | 0.04× | 8.59× | 11.1% |
| FY2021 | 40.0% | 0.04× | 8.51× | 14.0% |
| FY2020 | 35.7% | 0.05× | 7.84× | 13.5% |
| FY2019 | 36.7% | 0.06× | 7.66× | 16.2% |
| FY2018 | 32.4% | 0.05× | 8.36× | 14.2% |
| FY2017 | 29.8% | 0.05× | 8.87× | 13.6% |
| FY2016 | 24.4% | 0.05× | 9.18× | 10.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$29.16M
- Cash generatingOperating cash flow above zero$30.16M
- Return on assets improvedROA up on the prior year1.3% → 1.5%
- Earnings backed by cashOperating cash flow above net income$30.16M vs $29.16M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04