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Timberland Bancorp Inc (TSBK)
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Upturn Advisory Summary
01/09/2026: TSBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 14.14% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 250.63M USD | Price to earnings Ratio 9.76 | 1Y Target Price 12.5 |
Price to earnings Ratio 9.76 | 1Y Target Price 12.5 | ||
Volume (30-day avg) - | Beta 0.45 | 52 Weeks Range 24.01 - 33.22 | Updated Date 06/29/2025 |
52 Weeks Range 24.01 - 33.22 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 3.25 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.71% | Operating Margin (TTM) 45.22% |
Management Effectiveness
Return on Assets (TTM) 1.35% | Return on Equity (TTM) 10.54% |
Valuation
Trailing PE 9.76 | Forward PE - | Enterprise Value 72132600 | Price to Sales(TTM) 3.26 |
Enterprise Value 72132600 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 3.68 | Enterprise Value to EBITDA - | Shares Outstanding 7901280 | Shares Floating 7296358 |
Shares Outstanding 7901280 | Shares Floating 7296358 | ||
Percent Insiders 7.17 | Percent Institutions 65.02 |
Upturn AI SWOT
Timberland Bancorp Inc
Company Overview
History and Background
Timberland Bancorp, Inc. (NASDAQ: TSBK) was founded in 1911 as Grays Harbor State Bank, a community bank serving the Grays Harbor County in Washington State. Over the decades, it has grown and evolved, rebranding to Timberland Bank and eventually becoming Timberland Bancorp, Inc. It has expanded its branch network and service offerings, focusing on providing personalized banking services to its local communities.
Core Business Areas
- Community Banking: Timberland Bancorp, Inc. operates as a community bank, offering a wide range of financial products and services to individuals, small businesses, and commercial customers. This includes accepting deposits, making loans (commercial, real estate, consumer), and providing related financial services.
- Mortgage Lending: The company provides residential and commercial mortgage lending services, catering to the real estate needs of its customer base. This is a significant component of its loan portfolio.
- Wealth Management: Timberland Bancorp offers wealth management services, including investment and trust services, to help clients manage and grow their assets.
Leadership and Structure
Timberland Bancorp, Inc. is led by a board of directors and an executive management team. Key leadership roles typically include a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various banking divisions. The company operates as a holding company for Timberland Bank, which is its primary operating subsidiary.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides various types of commercial loans, including term loans, lines of credit, and SBA loans, to support business growth and operations. Competitors include national banks, regional banks, and other community banks.
- Residential Mortgages: Offers a range of mortgage products for home purchases and refinancing. Competitors include national mortgage lenders, other banks, and credit unions.
- Deposit Accounts: Includes checking, savings, money market, and certificate of deposit (CD) accounts, offering various interest rates and features. Competitors are virtually all financial institutions offering deposit services.
- Business Banking Services: Provides business checking accounts, treasury management services, and remote deposit capture for small and medium-sized businesses. Competitors include other community and regional banks.
Market Dynamics
Industry Overview
Timberland Bancorp operates within the highly competitive U.S. banking industry, specifically focusing on community banking. This sector is characterized by a fragmented market with numerous players, including large national banks, regional banks, and many community banks. The industry is influenced by interest rate environments, regulatory changes, technological advancements (fintech), and evolving customer preferences.
Positioning
Timberland Bancorp is positioned as a community bank with a strong regional focus in Washington State. Its competitive advantages lie in its deep understanding of local markets, personalized customer service, and long-standing relationships within its communities. It competes by offering tailored solutions and a commitment to local economic development.
Total Addressable Market (TAM)
The Total Addressable Market for banking services is vast, encompassing all financial needs of individuals and businesses within its operating regions. Timberland Bancorp's TAM is primarily defined by the geographic areas it serves and the specific financial needs it caters to (loans, deposits, wealth management). While precise TAM figures are difficult to quantify, it is a substantial portion of the overall U.S. banking market. Timberland Bancorp's positioning is as a focused player within this large market, aiming to capture a significant share of its chosen regional segments.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge and relationships
- Personalized customer service
- Loyal customer base
- Experienced management team
- Stable deposit base
Weaknesses
- Limited geographic diversification
- Reliance on regional economic conditions
- Smaller scale compared to national banks
- Potential challenges in adopting cutting-edge technology at the same pace as larger competitors
Opportunities
- Expansion into adjacent markets through organic growth or acquisitions
- Leveraging technology to enhance digital banking services
- Growing wealth management offerings
- Increasing commercial lending opportunities in a growing economy
- Cross-selling additional services to existing customers
Threats
- Intense competition from national, regional, and online banks
- Rising interest rates impacting loan demand and profitability
- Regulatory changes and compliance costs
- Cybersecurity risks and data breaches
- Economic downturns impacting loan quality and demand
Competitors and Market Share
Key Competitors
- US Bancorp (USB)
- KeyCorp (KEY)
- Washington Federal, Inc. (WAFD)
- Banner Corp. (BANR)
Competitive Landscape
Timberland Bancorp faces strong competition from larger national and regional banks that often have greater financial resources, broader product portfolios, and more extensive technological infrastructure. However, its advantage lies in its deep community ties, personalized service, and agility as a smaller institution, allowing it to cater to local needs that larger banks might overlook.
Growth Trajectory and Initiatives
Historical Growth: Timberland Bancorp has demonstrated steady, albeit often modest, historical growth, driven by its community banking model. Growth in loans, deposits, and net income has been influenced by regional economic conditions and strategic initiatives. Expansion has been primarily organic with some opportunistic acquisitions.
Future Projections: Future growth projections for Timberland Bancorp would typically be based on analyst estimates, which consider factors like interest rate forecasts, economic outlook for its operating region, and planned strategic initiatives. These projections are often found in analyst reports and investor guidance.
Recent Initiatives: Recent initiatives might include investments in digital banking capabilities, expansion of loan origination teams, or strategic branch optimization. Specific initiatives are usually detailed in quarterly earnings calls and annual reports.
Summary
Timberland Bancorp, Inc. is a well-established community bank with a strong regional presence and a history of personalized service. Its core strengths lie in its local market knowledge and loyal customer base. However, it faces significant competition and is susceptible to regional economic downturns. Continued investment in digital capabilities and strategic expansion will be crucial for its future growth and ability to thrive in the evolving banking landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Timberland Bancorp, Inc. SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Financial Data Providers (e.g., Yahoo Finance, Bloomberg, FactSet)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Financial data and market share figures are subject to change and may not be perfectly accurate at all times. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Timberland Bancorp Inc
Exchange NASDAQ | Headquaters Hoquiam, WA, United States | ||
IPO Launch date 1998-01-13 | CEO & Director Mr. Dean J. Brydon CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 274 | Website https://www.timberlandbank.com |
Full time employees 274 | Website https://www.timberlandbank.com | ||
Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate loans, and land loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. The company was founded in 1915 and is headquartered in Hoquiam, Washington.
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