# Timberland Bancorp, Inc. (TSBK)

> Source: Nexqual · https://nexqual.com/TSBK · data as of 2026-10-29 20:00 UTC · cite as "Nexqual, Timberland Bancorp, Inc. (TSBK), nexqual.com/TSBK" · informational, not investment advice.

**Price:** USD 47.26 (+0.38% on the day) · last close of Oct 29, 2026; US market closed, not a live price. Prev close 47.08 · day 47.03–48.35 · 52w 31.19–49.38 · market cap $367M · NGM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $87.0M, net income $31.5M (36.2% margin) (SEC filings).
- Valuation: P/E 11.7x (avg 9.1x at the last 3 fiscal year-ends).
- Analysts: None.
- Total return with dividends: 1Y +55.2% vs S&P 500 +14.8%; 5Y +100.5% vs S&P 500 +79.1%.
- Next earnings: 2026-10-29 (date not yet confirmed by the company), EPS estimate USD —, revenue estimate $0K. All companies reporting that day: https://nexqual.com/earnings/2026-10-29
- Dividend: USD 1.2 a year (yield 2.56%), paid quarterly; latest ex-dividend date 2026-08-10; annual dividends grew 2.3% a year 2022–2025.
- Short interest: 1.69% of float (as of 2026-10-15), 4.4 days to cover.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| 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)
P/E 11.7x · P/S 4.2x · P/FCF 12.6x · P/B 1.4x · FCF yield 7.91% · Earnings yield 8.58% · Dividend yield (paid, TTM) 2.40% · Buyback yield (TTM) 2.42%
P/E at fiscal year-ends: Sep 2025 9.1x, Sep 2024 10.1x, Sep 2023 8.2x.

## Analysts
Consensus None.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-30) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +55.2% | +100.5% |
| S&P 500 (SPY) | +14.8% | +79.1% |
| Per year | +55.6% | +14.9% |
| Volatility (annualized) | 22.7% | 24.4% |
| Max drawdown | -9.1% (Apr 2026→May 2026) | -34.9% (Feb 2023→May 2023) |

## Dividends
Annual dividend rate USD 1.20 per share, yield 2.56% at the current price. Paid over the last 12 months: USD 1.16 in 4 payments (quarterly).
Most recent ex-dividend date: Aug 10, 2026; payment date: Aug 24, 2026. To receive a dividend, shares must be owned before the ex-dividend date.
Latest change: raised 3.4% to USD 0.30 per payment from USD 0.29, starting with the Aug 10, 2026 ex-dividend date.
Payout ratio 28% of earnings · 5-year average yield 3.06% · annual dividends grew 2.3% a year from 2022 to 2025.
| Ex-dividend date | Amount per share |
|---|---|
| 2026-08-10 | USD 0.30 |
| 2026-05-08 | USD 0.29 |
| 2026-02-13 | USD 0.29 |
| 2025-11-14 | USD 0.28 |
| 2025-08-08 | USD 0.26 |
| 2025-05-09 | USD 0.26 |
| 2025-02-14 | USD 0.25 |
| 2024-11-15 | USD 0.25 |
Total by calendar year: 2022 USD 0.98 · 2023 USD 0.92 · 2024 USD 0.97 · 2025 USD 1.05.

## Short interest
126,420 shares sold short, 1.69% of the float, as of Oct 15, 2026 (exchange short-interest report, published about twice a month). Prior report (Sep 15, 2026): 155,320 shares (-18.6%). Days to cover: 4.4 (short shares ÷ average daily volume).

## Peers (Banks - Regional)
FITB (Fifth Third Bancorp) USD 54.44 +1.81% · NU (Nu Holdings Ltd.) USD 12.05 +0.67% · TFC (Truist Financial Corporation) USD 49.32 +1.86% · DB (Deutsche Bank AG) USD 34.86 +4.03% · NWG (NatWest Group plc) USD 17 -1.33% · LYG (Lloyds Banking Group Plc) USD 5.25 -4.55%

## More
Full page: https://nexqual.com/TSBK · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter (ends 2015-06-30) | — | — | — | $0 | — |
| Current fiscal year (ends 2015-09-30) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |

## Earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Dec 31, 2014 | $0.24 | $0.23 | Beat +4.3% | — |
| — | Quarter ended Sep 30, 2014 | $0.23 | $0.22 | Beat +4.5% | — |
| — | Quarter ended Jun 30, 2014 | $0.20 | $0.21 | Miss −4.8% | — |
| — | Quarter ended Mar 31, 2014 | $0.16 | $0.21 | Miss −23.8% | — |
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).