Stocks · Financial Services · Banks - Regional
Timberland Bancorp, Inc. TSBK
$45.49 +1.93% Close, Oct 2, 2026 · NASDAQ · Market cap $356.1M
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 11.4× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 231 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $3.99, up 17.4% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 31%
- EPS growth (TTM, YoY)Bottom 47%
- FCF growth (TTM, YoY)Bottom 39%
- Revenue growth, 3-year CAGRTop 39%
- Revenue growth accelerationBottom 20%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 47%
- Gross marginTop 21%
- Operating marginTop 19%
- Cash conversion (OCF / net income)Bottom 34%
- Accruals (lower is better)Bottom 30%
- Net debt / EBITDA (lower is better)Top 22%
- Interest coverTop 43%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 27%
- Free-cash-flow yieldBottom 47%
- EBITDA / enterprise valueTop 18%
- Sales / enterprise valueTop 46%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 14%
- 6-month returnTop 33%
- 1-year return vs S&P 500Top 14%
- Distance from 52-week highTop 39%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 7%
- Consecutive EPS beatsBottom 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 32%
- Maximum drawdown, 3 yearsTop 33%
- Beta vs S&P 500 (lower is better)Top 34%
- Net debt / EBITDA (lower is better)Top 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.0% | 1.8% | ↓ |
| EPS growth (YoY) | 20.7% | 17.4% | ↓ |
| Gross margin | 68.8% | 77.3% | ↑ |
| Operating margin | 31.4% | 35.7% | ↑ |
| FCF margin | 23.5% | 24.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1.8% | 9.0% | ↓ | Bottom 31% |
| EPS growth (TTM, YoY) | 17.4% | 20.7% | ↓ | Bottom 47% |
| Gross margin | 77.3% | 68.8% | ↑ | Top 21% |
| Operating margin | 35.7% | 31.4% | ↑ | Top 19% |
| Net margin | 28.7% | 25.1% | ↑ | — |
| Free-cash-flow margin | 24.4% | 23.5% | ↑ | — |
| Return on invested capital | 1.5% | — | Top 47% | |
| Revenue growth, 3-year CAGR | 18.0% | — | Top 39% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.92×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +0.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.45×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.48%
- Net buyback yield (TTM)
- 2.05%
- Shareholder yield
- 4.52%
- Share count change, 1 year
- -0.8%
- Share count change, 3-year CAGR
- -1.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 0 of 1
- Average EPS surprise, last 4
- -61.2%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 8 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | — | +1.0% | +3.3% | +4.3% | — |
| Apr 28, 2026 | — | +2.1% | -1.7% | +0.2% | +6.2% |
| Jan 26, 2026 | — | -0.5% | +6.1% | +3.3% | +9.5% |
| Dec 9, 2025 | — | +2.3% | +8.8% | +3.7% | +11.5% |
| Jul 22, 2025 | — | -0.1% | +2.6% | +0.2% | +0.3% |
| Apr 22, 2025 | — | +3.6% | +5.7% | +9.3% | +10.6% |
| Jan 27, 2025 | — | +0.4% | +2.1% | +3.9% | +2.1% |
| Oct 31, 2024 | — | -4.1% | +12.9% | +9.8% | -0.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.98 | — | — | $21.3M |
| Apr 28, 2026 | $0.90 | — | — | $28.8M |
| Jan 26, 2026 | $1.04 | — | — | $30.0M |
| Dec 9, 2025 | $1.07 | — | — | $29.6M |
| Jul 22, 2025 | $0.90 | — | — | $27.3M |
| Apr 22, 2025 | $0.85 | — | — | $26.6M |
| Jan 27, 2025 | $0.86 | — | — | $27.0M |
| Oct 31, 2024 | $0.79 | — | — | $26.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.4× | 9.3× | 95th | Top 27% |
| EV / EBITDA | 8.2× | — | — | Top 18% |
| EV / Sales | 3.08× | — | — | Top 46% |
| Free-cash-flow yield | 7.51% | — | — | Bottom 47% |
| Earnings yield | 8.77% | — | — | Top 27% |
P/E over the past five years
Range 7.1× – 12.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +38.2%
- Earnings per share growth (TTM)
- +17.4%
- Change in P/E multiple
- +24.4%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 231
- 50-day average slope (20 days)
- +1.6%
- 200-day average slope (20 days)
- +2.8%
- Distance from 50-day average
- -0.3%
- Distance from 200-day average
- +10.0%
- RSI (14)
- 49.7
- Relative volume
- 0.98×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.4%
- Volatility vs own 5-year history
- 29th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.50
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -3.2%
- Maximum drawdown, 3 years
- -23.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 13, 2023 | May 4, 2023 | -36.1% | 56 days | 590 days (Sep 11, 2025) |
| Mar 19, 2021 | Jun 16, 2022 | -20.7% | 314 days | 96 days (Nov 2, 2022) |
| Sep 15, 2025 | Oct 10, 2025 | -14.4% | 19 days | 42 days (Dec 10, 2025) |
| Oct 23, 2020 | Oct 28, 2020 | -13.2% | 3 days | 4 days (Nov 3, 2020) |
| Nov 10, 2020 | Nov 12, 2020 | -10.1% | 2 days | 8 days (Nov 24, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $356.1M
- P/E (TTM)
- 11.4
- EPS, diluted (TTM)
- $3.99
- Revenue (TTM)
- $109.6M
- Dividend yield
- 2.55%
- 52-week range
- $30.93 – $49.38
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $68.6M | $67.3M | $87.2M | $101.5M | $110.5M |
| Gross profit | $65.6M | $64.5M | $73.5M | $69.7M | $77.5M |
| Operating income | $34.4M | $29.6M | $34.0M | $30.4M | $36.2M |
| Net income | $27.6M | $23.6M | $27.1M | $24.3M | $29.2M |
| EPS (diluted) | $3.27 | $2.82 | $3.29 | $3.01 | $3.67 |
| Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $26.8M | $27.0M | $26.6M | $27.3M | $29.6M | $30.0M | $28.8M | $21.3M |
| Net income | $6.4M | $6.9M | $6.8M | $7.1M | $8.4M | $8.2M | $7.1M | $7.7M |
| EPS (diluted) | $0.79 | $0.86 | $0.85 | $0.90 | $1.07 | $1.04 | $0.90 | $0.98 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $29.6M | $26.5M | $31.0M | $23.0M | $30.2M |
| Capital expenditure | -$895,000 | -$911,000 | -$1.1M | -$1.3M | -$1.7M |
| Free cash flow | $28.7M | $25.6M | $29.9M | $21.7M | $28.4M |
| Dividends paid | -$8.6M | -$7.2M | -$8.3M | -$7.7M | -$8.1M |
| Net share buybacks | -$527,000 | -$4.6M | -$5.0M | -$6.0M | -$5.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $32.8M
- Total assets
- $2.06B
- Total liabilities
- $1.79B
- Total debt
- $14.3M
- Net debt
- -$18.5M
- Shareholders’ equity
- $273.2M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 10, 2026 | $0.30 | Aug 24, 2026 |
| May 8, 2026 | $0.29 | May 22, 2026 |
| Feb 13, 2026 | $0.29 | Feb 27, 2026 |
| Nov 14, 2025 | $0.28 | Nov 28, 2025 |
| Aug 8, 2025 | $0.26 | Aug 22, 2025 |
| May 9, 2025 | $0.26 | May 23, 2025 |
| Feb 14, 2025 | $0.25 | Feb 28, 2025 |
| Nov 15, 2024 | $0.25 | Nov 29, 2024 |
Short interest
- Shares sold short
- 155,320
- Days to cover
- 5.22
- Change vs previous report
- -1.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 6, 2007
- 2-for-1