Timberland Bancorp, Inc. (TSBK) Stock Price & Analysis
Timberland Bancorp, Inc. (TSBK) closed at USD 47.08 on Wednesday, October 28, 2026, down 1.71% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 47.9; the Oct 28, 2026 session ranged USD 46.84–48.57 on volume of 39,467 shares. Market capitalization is $366.08M, with a 52-week range of USD 31.09–49.38 (NGM). Source: Nexqual, retrieved October 29, 2026 at 02:55 UTC.
Also available as compact Markdown for AI agents: nexqual.com/TSBK.md
Key facts (TSBK)
- Last four reported quarters (through Jun 30, 2026): revenue $87.0M, net income $31.5M (36.2% margin) (SEC filings).
- Valuation: P/E 11.6x (avg 9.1x at the last 3 fiscal year-ends).
- Analysts: None.
- Total return with dividends: 1Y +54.6% vs S&P 500 +13.6%; 5Y +99.7% vs S&P 500 +79.8%.
- Next earnings: 2026-10-29, EPS estimate USD —, revenue estimate $0K.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (TSBK)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $69.0M | $68.5M | $79.5M | $75.3M | $82.6M | $87.0M |
| Net income | $27.6M | $23.6M | $27.1M | $24.3M | $29.2M | $31.5M |
| EPS (diluted) | $3.27 | $2.82 | $3.29 | $3.01 | $3.67 | — |
| Free cash flow | $28.7M | $25.6M | $29.9M | $21.7M | $28.4M | $29.1M |
| Net margin | 40.0% | 34.5% | 34.1% | 32.2% | 35.3% | 36.2% |
| Revenue growth | +1.4% | -0.8% | +16.1% | -5.3% | +9.6% | — |
| Cash + short-term investments | $580M | $317M | $129M | $165M | $243M | — |
Fiscal years end Sep. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (TSBK)
P/E 11.6x · P/S 4.2x · P/FCF 12.6x · P/B 1.3x · FCF yield 7.94% · Earnings yield 8.61% · Dividend yield (paid, TTM) 2.41% · Buyback yield (TTM) 2.43%
P/E at fiscal year-ends: Sep 2025 9.1x, Sep 2024 10.1x, Sep 2023 8.2x.
Analysts (TSBK)
Consensus None.
Total return (dividends reinvested) (TSBK)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +54.6% | +99.7% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | +54.8% | +14.8% |
| Volatility (annualized) | 22.6% | 24.4% |
| Max drawdown | -9.1% (Apr 2026→May 2026) | -34.9% (Feb 2023→May 2023) |
TSBK earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| Jul 29, 2026 | — | — | — | — | +1.0% |
| Apr 30, 2026 | — | — | — | — | -0.5% |
| Jan 27, 2026 | — | — | — | — | +0.4% |
| Oct 31, 2025 | — | — | — | — | +3.8% |
| Jul 23, 2025 | — | — | — | — | +2.8% |
| Apr 24, 2025 | — | — | — | — | -4.0% |
| Jan 28, 2025 | — | — | — | — | +1.8% |
| Nov 5, 2024 | — | — | — | — | +12.7% |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
TSBK recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Aug 7, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Jul 29, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
TSBK analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter (ends Jun 2015) | — | — | — | $0 | — |
| Current fiscal year (ends Sep 2015) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |
TSBK options: expected move
Options price a move of about ±15.9% (±$7.60) by Apr 16, 2027, which includes earnings on Oct 29, 2026. Over the last 8 reports the stock moved ±3.4% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Apr 16, 2027 | 170 | 28.1% | ±15.9% |
30-day implied volatility 34.1% vs 18.2% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 29, 2026 at 02:55 UTC)
| Price | USD 47.08 |
|---|---|
| Change | ▼ 1.71% (down) |
| Previous Close | USD 47.9 |
| Open | USD 48.23 |
| Day Range | USD 46.84 – 48.57 |
| 52-Week Range | USD 31.09 – 49.38 |
| Volume | 39,467 shares |
| Market Cap | $366.08M |
| Exchange | NGM |
Technical Analysis (TSBK)
Nexqual's technical model rates TSBK "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 29, 2026 at 02:55 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 57.73 (neutral) |
| vs SMA50 | Above (USD 45.84) |
| MACD | 0.43 (positive) |
Analyst Ratings (TSBK)
Wall Street analysts rate TSBK "None", per Nexqual as of October 29, 2026 at 02:55 UTC.
| Consensus Rating | None |
|---|
Earnings (TSBK)
| Next Earnings Date | 2026-10-29 |
|---|
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2014-12-31 | USD 0.24 vs est 0.23 ▲ beat |
| 2014-09-30 | USD 0.23 vs est 0.22 ▲ beat |
| 2014-06-30 | USD 0.2 vs est 0.21 ▼ miss |
| 2014-03-31 | USD 0.16 vs est 0.21 ▼ miss |
Source: Nexqual, October 29, 2026 at 02:55 UTC.
Financials & Fundamentals (TSBK)
| Total Revenue | $85.83M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +6.10% |
| Gross Margin | +0.00% |
| Operating Margin | +47.27% |
| Profit Margin | +36.72% |
| ROE | +11.89% |
| Total Cash | $254.05M |
| Total Debt | $14.32M |
Source: Nexqual, October 29, 2026 at 02:55 UTC.
Financial Health Score (TSBK)
Nexqual rates Timberland Bancorp, Inc.'s overall financial health "Mixed" across five dimensions, as of October 29, 2026 at 02:55 UTC.
| Growth | Weak — Revenue -4% YoY (annual), declining |
|---|---|
| Profitability | Strong — Net margin 36% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Savings Institutions, Not Federally Chartered) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Savings Institutions, Not Federally Chartered) |
| Efficiency | Mixed — ROE 12%, ROA 1.5% (last 4 quarters, SEC) |
Ownership (TSBK)
| Insider Ownership | +7.13% |
|---|---|
| Institutional Ownership | +69.89% |
| Shares Outstanding | 7.78M |
| Float | 7.17M |
| Short % of Float | +1.69% |
Source: Nexqual, October 29, 2026 at 02:55 UTC.
Leadership (TSBK)
Timberland Bancorp, Inc. is led by Dean J. Brydon, CEO & Director, per Nexqual as of October 29, 2026 at 02:55 UTC.
| CEO & Director | Dean J. Brydon |
|---|---|
| COO, President & Secretary | Jonathan Arthur Fischer |
| Executive VP, Treasurer & CFO | Marci A. Basich |
| Executive VP & CTO | Breanne D. Antich |
| Advisory Director | Clarence E. Hamre |
Major Backers & Investors (TSBK)
Notable institutional backers of Timberland Bancorp, Inc. include Cutler Capital Management, LLC, Manufacturers Life Insurance Co., John Hancock Investment Trust II-Regional Bank Fund, according to Nexqual as of October 29, 2026 at 02:55 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Cutler Capital Management, LLC | 3.67% |
| Manufacturers Life Insurance Co. | 3.66% |
| John Hancock Investment Trust II-Regional Bank Fund | 3.39% |
| Royce & Associates LP | 3.35% |
| Siena Capital Partners GP, LLC | 2.97% |
| Renaissance Technologies | 2.73% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 8.88% |
| Dimensional Fund Advisors | 7.18% |
| Vanguard Group | 4.06% |
| Geode Capital | 2.41% |
Source: Nexqual, October 29, 2026 at 02:55 UTC.
From Timberland Bancorp, Inc.'s Latest SEC 10-K Filing (filed 2025-12-09)
Key Strengths & Strategy (as disclosed to the SEC)
- Accordingly, the information set forth in this report, including consolidated financial statements and related data, relates primarily to the Bank and its subsidiary, Timberland Service Corp.
- The Bank attempts to reduce the potential for delinquencies and defaults on ARM loans by qualifying the borrower based on the borrower's ability to repay the ARM loan assuming a 2.0% increase in the initial interest rate.
Partnerships
- Loan officers may be granted individual approval authority for loans up to $250,000 on a case-by-case basis by the Bank's Chief Credit Officer or Chief Executive Officer.
- The Bank's Commercial Loan Committee, composed of the Bank's Chief Executive Officer, Chief Credit Officer, Chief Lending Officer, and a commercial underwriter may approve commercial real estate and business loans up to $3.00 million.
Legal & Regulatory Risks (Item 1A, quoted)
- The level of our commercial real estate loan portfolio may subject us to additional regulatory scrutiny.
- We operate in a highly regulated environment and may be adversely affected by changes in federal and state laws and regulations that could increase our costs of operations.
- Any new regulations or legislation, changes in existing regulations or oversight, or changes in regulatory interpretation could materially impact our operations, increase our costs of compliance and doing business, and adversely affect our profitability.
- Climate change and related legislative and regulatory initiatives may materially affect our business and results of operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FITB | Fifth Third Bancorp | USD 53.47 | ▼ 0.22% |
| NU | Nu Holdings Ltd. | USD 11.97 | ▼ 3.47% |
| TFC | Truist Financial Corporation | USD 48.42 | ▼ 0.25% |
| DB | Deutsche Bank AG | USD 33.51 | ▲ 4.33% |
| NWG | NatWest Group plc | USD 17.23 | ▲ 2.13% |
| LYG | Lloyds Banking Group Plc | USD 5.5 | ▲ 1.85% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 02:55 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt