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Upturn AI SWOT - About
Timberland Bancorp Inc (TSBK)
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Upturn Advisory Summary
04/01/2025: TSBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 21.43% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 228.96M USD | Price to earnings Ratio 9.28 | 1Y Target Price 12.5 |
Price to earnings Ratio 9.28 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 14116 | Beta 0.44 | 52 Weeks Range 23.14 - 33.49 | Updated Date 04/4/2025 |
52 Weeks Range 23.14 - 33.49 | Updated Date 04/4/2025 | ||
Dividends yield (FY) 3.26% | Basic EPS (TTM) 3.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.99% | Operating Margin (TTM) 45.6% |
Management Effectiveness
Return on Assets (TTM) 1.31% | Return on Equity (TTM) 10.21% |
Valuation
Trailing PE 9.28 | Forward PE - | Enterprise Value 78917936 | Price to Sales(TTM) 3.04 |
Enterprise Value 78917936 | Price to Sales(TTM) 3.04 | ||
Enterprise Value to Revenue 3.45 | Enterprise Value to EBITDA - | Shares Outstanding 7955450 | Shares Floating 7351157 |
Shares Outstanding 7955450 | Shares Floating 7351157 | ||
Percent Insiders 7.12 | Percent Institutions 64.98 |
Analyst Ratings
Rating - | Target Price 12.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Timberland Bancorp Inc
Company Overview
History and Background
Timberland Bancorp, Inc. was founded in 1915 as a mutual savings bank. Originally known as Elma Mutual Savings Bank, it converted to a stock holding company in 1993 and changed its name to Timberland Bancorp, Inc. It operates primarily in western Washington State.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals, small businesses, and other organizations within its market area, including deposit accounts, loans, and other financial products.
- Commercial Lending: Offers commercial real estate loans, commercial business loans, and other credit products to businesses.
- Residential Lending: Provides residential mortgage loans to individuals for the purchase, refinance, or construction of homes.
- Retail Banking: offers retail banking services such as personal checking accounts, savings accounts and money market accounts
Leadership and Structure
The company is led by its President and CEO. Timberland Bancorp has a board of directors that provides oversight and guidance. The organizational structure includes various departments such as lending, finance, operations, and marketing.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loans: Offers fixed-rate and adjustable-rate mortgage loans for home purchase, refinance, and construction. Market share data specific to Timberland Bancorp is limited, but the mortgage market is highly competitive with national and regional banks. Competitors include Wells Fargo, Bank of America, and local credit unions.
- Commercial Real Estate Loans: Provides financing for commercial properties, including office buildings, retail centers, and industrial facilities. Competitors include larger banks and specialized lenders.
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts. Market share data is limited and highly competitive. Competitors include KeyBank and U.S. Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing a changing interest rate environment, increased regulatory scrutiny, and growing competition from fintech companies. Community banks are focused on serving local markets and building relationships with customers.
Positioning
Timberland Bancorp is positioned as a community bank serving western Washington. Its competitive advantages include its local market knowledge, customer relationships, and commitment to community involvement.
Total Addressable Market (TAM)
The TAM for banking services in western Washington is substantial, encompassing consumer and commercial banking needs. Timberland Bancorp is well-positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence in western Washington
- Experienced management team
- Solid asset quality
- Commitment to community involvement
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger regional and national banks
- Dependence on net interest income
Opportunities
- Expanding into new markets within Washington State
- Increasing market share through strategic acquisitions
- Developing new products and services to meet evolving customer needs
- Leveraging technology to improve efficiency and customer service
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from larger banks and credit unions
- Economic downturn in Washington State
Competitors and Market Share
Key Competitors
- WAFD
- COLB
- BANR
Competitive Landscape
Timberland Bancorp faces competition from larger regional and national banks, as well as local credit unions. Its advantages include its strong local presence and customer relationships. However, its smaller size limits its ability to compete on price and product offerings.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Timberland Bancorp has experienced steady growth in assets, loans, and deposits over the past several years.
Future Projections: Future growth projections are not available, please check investor relations.
Recent Initiatives: Timberland Bancorp has focused on expanding its branch network and investing in technology to improve customer service. It is also actively involved in community development initiatives.
Summary
Timberland Bancorp is a well-established community bank with a solid presence in western Washington. Its strengths lie in its local market knowledge and customer relationships. However, its smaller size and limited geographic diversification present challenges. Timberland must continue to invest in technology and expand its product offerings to remain competitive.
Similar Companies
BANR
Banner Corporation
BANR
Banner Corporation
COLB
Columbia Banking System Inc
COLB
Columbia Banking System Inc
WAFD
Washington Federal Inc
WAFD
Washington Federal Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-Party Financial Data Providers
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on available information and may not be precise. Financial performance is subject to change. The AI-based rating is based on an automated analysis and should not be the sole basis for 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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