Timberland Bancorp Inc is a US-listed company in the regional banks industry. Its financial year ends in September.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $87m, up 9.4% on a year earlier, slower than the 10.2% growth a quarter earlier.
Our model value for Timberland Bancorp is under review, so past values are not shown until it is resolved.
Source: 10-Q filed August 7, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Timberland Bancorp Inc's trailing-twelve-month revenue grew 9.4% year on year, with a free-cash-flow margin of 33.4%. Where it stands out: net margin of 36.2% ranks 28 of 245 regional banks companies we cover.
Current signal Net margin expanding: TTM net margin reached 36.2%, up 2.2pp year over year.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Third-party market data · may be delayed
Company announcements, filed results and changes that matter to shareholders.
No model value for Timberland Bancorp Inc at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value Timberland Bancorp Inc as a bank or lender, with every model that fits that kind of business. Cost of equity 7.9%: the 10-year Treasury yield (4.9%) plus a beta of 0.66 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$53 ~$37–$79 | Primary model, counts double |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | ~$59 ~$49–$74 | Included |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$49 ~$30–$68 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$28 ~$37–$55 | Included |
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | ~$39 ~$45–$60 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | ~$63 ~$51–$81 | Included |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Timberland Bancorp Inc with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Strong moat
How hard Timberland Bancorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
Net income has been a median 1.5% of total assets over 10 years.
Net margin has been a median 34.6%; its worst year was 28.7%.
The diluted share count fell 6.2% over five years; stock-based pay has been a median 0.9% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (98 before it).
Next results: January 25, 2027, after the close.
No analyst estimates are published for Timberland Bancorp Inc: too few analysts cover it.
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Dec 2014 | $0.23 | $0.24 | +4.3% |
| Sept 2014 | $0.22 | $0.23 | +4.6% |
| Jun 2014 | $0.21 | $0.20 | −4.8% |
| Mar 2014 | $0.21 | $0.16 | −23.8% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months +53.2%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $80m | $87m | +9.4% |
| Net margin | 34.0% | 36.2% | +6.4% |
| P/E multiple | 9.2x | 12.0x | +30.5% |
| Share count | 8m | 8m | +0.8% |
Biggest factor: p/e multiple.
Last 3 years +78.7%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $79m | $87m | +10.2% |
| Net margin | 34.8% | 36.2% | +3.9% |
| P/E multiple | 8.0x | 12.0x | +48.9% |
| Share count | 8m | 8m | +4.8% |
Biggest factor: p/e multiple.
| Calendar year | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|---|
| Return | ||||||
| TSBK | +18% | +28% | −5% | +0% | +21% | +36% |
| Industry peers (median) | +34% | −4% | −2% | +16% | +10% | +24% |
| S&P 500 | +29% | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | ||||||
| TSBK | 75% | 58% | 50% | 50% | 58% | 82% |
| S&P 500 | 75% | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | ||||||
| TSBK | −11% | −17% | −36% | −22% | −15% | −9% |
| S&P 500 | −5% | −25% | −10% | −8% | −19% | −9% |
Worst fall since October 29, 2015: 62% from July 3, 2018 to March 16, 2020. Getting back needed a 164% gain, reached on November 9, 2022, 968 days after the low.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| July 29, 2026 | +1.0% | +0.1% | +0.7% | +4.8% |
| April 30, 2026 | −0.5% | +1.3% | +2.1% | −0.4% |
| January 27, 2026 | +0.4% | +0.4% | +7.0% | +8.4% |
| October 31, 2025 | +3.8% | +0.5% | +5.6% | +10.5% |
| July 23, 2025 | +2.8% | +0.9% | −1.6% | +0.9% |
| April 24, 2025 | −4.0% | +2.8% | −0.5% | −0.4% |
| January 28, 2025 | +1.8% | +0.4% | +2.5% | +8.1% |
| November 5, 2024 | +12.7% | +3.7% | +8.2% | +10.5% |
| July 24, 2024 | +4.0% | −2.8% | +0.2% | −0.7% |
| April 24, 2024 | +1.0% | −0.4% | +3.6% | +2.5% |
| January 23, 2024 | −2.1% | +0.4% | −3.1% | −11.5% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY23 Q4 | $79.5M |
| FY24 Q1 | $77.9M |
| FY24 Q2 | $76.3M |
| FY24 Q3 | $75.6M |
| FY24 Q4 | $75.3M |
| FY25 Q1 | $76.2M |
| FY25 Q2 | $77.8M |
| FY25 Q3 | $79.5M |
| FY25 Q4 | $82.6M |
| FY26 Q1 | $84.6M |
| FY26 Q2 | $85.7M |
| FY26 Q3 | $87M |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY23 Q4 | 16.1% |
| FY24 Q1 | 7.0% |
| FY24 Q2 | -0.3% |
| FY24 Q3 | -4.3% |
| FY24 Q4 | -5.3% |
| FY25 Q1 | -2.2% |
| FY25 Q2 | 2.0% |
| FY25 Q3 | 5.2% |
| FY25 Q4 | 9.6% |
| FY26 Q1 | 11.1% |
| FY26 Q2 | 10.2% |
| FY26 Q3 | 9.4% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY23 Q4 | 37.6% |
| FY24 Q1 | 32.3% |
| FY24 Q2 | 30.4% |
| FY24 Q3 | 30.1% |
| FY24 Q4 | 28.8% |
| FY25 Q1 | 17.8% |
| FY25 Q2 | 28.4% |
| FY25 Q3 | 31.8% |
| FY25 Q4 | 34.4% |
| FY26 Q1 | 44.4% |
| FY26 Q2 | 36.9% |
| FY26 Q3 | 33.4% |
What Timberland Bancorp earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.
| Interest income | $102M | |
|---|---|---|
| Fee and other income | $12.4M | 15.0% of revenue |
| Interest paid | $32.1M | |
| Net interest income | $70.2M | 85.0% of revenue |
| Revenue | $82.6M | |
| Non-interest expense | $45.4M | 55.0% of revenue |
| Credit-loss provisions | $853,000 | 1.0% of revenue |
| Pre-tax profit | $36.3M | 44.0% of revenue |
| Income tax | $7.1M | 8.6% of revenue |
| Net income | $29.2M | 35.3% of revenue |
| Fiscal year | 2009 Sept 2009 | 2010 Sept 2010 | 2011 Sept 2011 | 2012 Sept 2012 | 2013 Sept 2013 | 2014 Sept 2014 | 2015 Sept 2015 | 2016 Sept 2016 | 2017 Sept 2017 | 2018 Sept 2018 | 2019 Sept 2019 | 2020 Sept 2020 | 2021 Sept 2021 | 2022 Sept 2022 | 2023 Sept 2023 | 2024 Sept 2024 | 2025 Sept 2025 | LTM Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | ||||||||||||||||||
| Revenue | 32 | 31 | 34 | 35 | 36 | 34 | 37 | 42 | 48 | 52 | 66 | 68 | 69 | 68 | 79 | 75 | 83 | 87 |
| Net income | −0 | −2 | 1 | 5 | 5 | 6 | 8 | 10 | 14 | 17 | 24 | 24 | 28 | 24 | 27 | 24 | 29 | 32 |
| Diluted EPS | −$0.15 | −$0.50 | $0.00 | $0.52 | $0.58 | $0.80 | $1.17 | $1.43 | $1.92 | $2.22 | $2.84 | $2.88 | $3.27 | $2.82 | $3.29 | $3.01 | $3.67 | $3.99 |
| Growth (year on year) | ||||||||||||||||||
| Revenue | — | −2.8% | +8.9% | +3.9% | +1.8% | −4.5% | +6.8% | +13.3% | +14.0% | +8.6% | +26.9% | +3.9% | +1.4% | −0.8% | +16.1% | −5.3% | +9.6% | +9.4% |
| Net income | — | — | — | +321.5% | +3.6% | +23.0% | +41.7% | +22.5% | +39.5% | +18.0% | +43.7% | +1.0% | +13.7% | −14.4% | +14.9% | −10.5% | +20.1% | +16.4% |
| Diluted EPS | — | — | — | — | +11.5% | +37.9% | +46.3% | +22.2% | +34.3% | +15.6% | +27.9% | +1.4% | +13.5% | −13.8% | +16.7% | −8.5% | +21.9% | +17.4% |
| Margins | ||||||||||||||||||
| Net margin | −0.8% | −7.3% | 3.2% | 13.0% | 13.2% | 17.0% | 22.5% | 24.4% | 29.8% | 32.4% | 36.7% | 35.7% | 40.0% | 34.5% | 34.1% | 32.2% | 35.3% | 36.2% |
| Free-cash-flow margin | 42.9% | 20.8% | 28.4% | 39.4% | 28.5% | 21.6% | 18.8% | 26.8% | 21.7% | 37.3% | 24.4% | 46.8% | 41.6% | 37.4% | 37.6% | 28.8% | 34.4% | 33.4% |
| Cash flow | ||||||||||||||||||
| Cash from operations | 11 | 6 | 11 | 15 | 12 | 9 | 8 | 12 | 14 | 21 | 18 | 34 | 30 | 27 | 31 | 23 | 30 | 31 |
| Capital spending | −2 | −0 | 1 | 1 | 1 | 1 | 1 | 1 | 4 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 |
| Free cash flow | 14 | 7 | 10 | 14 | 10 | 7 | 7 | 11 | 10 | 19 | 16 | 32 | 29 | 26 | 30 | 22 | 28 | 29 |
| Stock-based pay | — | — | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | — | — |
| Free cash flow after stock pay | — | — | 9 | 14 | 10 | 7 | 7 | 11 | 10 | 18 | 16 | 32 | 29 | 25 | 30 | 21 | — | — |
| Balance sheet | ||||||||||||||||||
| Cash | 66 | 97 | 97 | 97 | 94 | 72 | 92 | 109 | 148 | 149 | 143 | 314 | 580 | 317 | 129 | 165 | 243 | 246 |
| Total debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net debt (negative = net cash) | −66 | −97 | −97 | −97 | −94 | −72 | −92 | −109 | −148 | −149 | −143 | −314 | −580 | −317 | −129 | −165 | −243 | −246 |
| Diluted shares | 7m | 7m | 7m | 7m | 7m | 7m | 7m | 7m | 7m | 8m | 8m | 8m | 8m | 8m | 8m | 8m | 8m | 8m |
| Returned to shareholders | ||||||||||||||||||
| Dividends | −3 | −1 | 0 | 2 | 1 | 1 | 2 | 3 | 4 | 4 | 6 | 7 | 9 | 7 | 8 | 8 | 8 | 9 |
| Buybacks | — | — | — | — | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 5 | 5 | 6 | 6 | 9 |
| Total returned | −3 | −1 | 0 | 2 | 1 | 1 | 2 | 3 | 4 | 4 | 7 | 8 | 9 | 12 | 13 | 14 | 14 | 18 |
| Quarter | 2024 Q4 Sept 2024 | 2025 Q1 Dec 2024 | 2025 Q2 Mar 2025 | 2025 Q3 Jun 2025 | 2025 Q4 Sept 2025 | 2026 Q1 Dec 2025 | 2026 Q2 Mar 2026 | 2026 Q3 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 19 | 20 | 20 | 20 | 22 | 22 | 21 | 22 |
| Net income | 6 | 7 | 7 | 7 | 8 | 8 | 7 | 8 |
| Diluted EPS | $0.79 | $0.86 | $0.85 | $0.90 | $1.07 | $1.04 | $0.90 | $0.98 |
| Growth (year on year) | ||||||||
| Revenue | −1.4% | +4.6% | +9.0% | +9.2% | +15.4% | +10.4% | +5.8% | +6.3% |
| Net income | −4.3% | +9.0% | +18.3% | +19.9% | +32.9% | +19.8% | +5.6% | +8.7% |
| Diluted EPS | −2.5% | +11.7% | +21.4% | +21.6% | +35.4% | +20.9% | +5.9% | +8.9% |
| Margins | ||||||||
| Net margin | 32.6% | 34.9% | 33.9% | 34.6% | 37.6% | 37.8% | 33.9% | 35.4% |
| Free-cash-flow margin | 32.4% | −18.1% | 61.1% | 50.5% | 42.2% | 25.7% | 29.7% | 35.6% |
| Cash flow | ||||||||
| Cash from operations | 7 | −3 | 12 | 11 | 10 | 6 | 7 | 8 |
| Capital spending | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 1 |
| Free cash flow | 6 | −4 | 12 | 10 | 9 | 6 | 6 | 8 |
| Last 12 months unless stated | TSBK | BPRN | WNEB | ISBA | VBNK | FCCO | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $87m | $86m | $88m | $89m | $89m | $89m | $255m |
| Revenue growth, last 12 months | 9.4% | 6.0% | 16.5% | 17.1% | 8.5% | 23.5% | 12.5% |
| Revenue growth, 3-year average | 3.3% | 0.8% | −0.4% | 6.2% | — | 13.3% | 6.0% |
| Revenue growth, latest quarter | 6.3% | 6.7% | 7.9% | 16.9% | — | 28.7% | 10.7% |
| Net margin | 36.2% | 30.0% | 19.0% | 24.0% | 22.8% | 25.9% | 28.7% |
| Cash from operations / revenue | 35.9% | 29.0% | 21.7% | 33.3% | 35.7% | 8.5% | 34.3% |
| Free-cash-flow margin | 33.4% | 27.2% | 19.5% | 30.6% | 34.9% | 7.4% | 31.4% |
| Free-cash-flow margin, 3-year average | 31.8% | 21.0% | 29.2% | 25.5% | — | 17.0% | 29.9% |
| Stock pay / revenue | 0.3% | 1.5% | 0.9% | 0.4% | 0.1% | 1.2% | 1.2% |
| Change in share count | −0.8% | 1.2% | −2.5% | −0.0% | 21.3% | 0.5% | 0.4% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | 9.4% | 12.5% | 161 of 245 |
| Change in growth rate Growth | -0.8pp | +0.0pp | 147 of 244 |
| Net margin Profitability | 36.2% | 28.7% | 28 of 245 |
| Change in share count Balance sheet | -0.8% | 0.4% | 73 of 230 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Line of business | Revenue | YoY |
|---|---|---|
| Credit and Debit Card | $5M | ▼ 1.8% |
| Deposit Account | $3.9M | ▼ 3.6% |
| Servicing Income On Loans Sold | $140,000 | ▲ 122.2% |
| Asset Management1 | $96,000 | ▲ 35.2% |
| Investment Advice | $35,000 | ▲ 191.7% |
These categories overlap or exclude eliminations, so shares aren't shown.
From Timberland Bancorp Inc's 10-K filed December 9, 2025, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Blackrock, Inc. | $30.9M | 690K | 13.4% | ▲ 3.8% |
| Dimensional Fund Advisors LP | $25M | 559K | 10.9% | ▲ 0.3% |
| Vanguard Capital Management LLC | $14.1M | 316K | 6.1% | ▼ 3.6% |
| Cutler Capital Management, LLC | $12.8M | 285K | 5.5% | ▼ 2.0% |
| Manufacturers Life Insurance Company, The | $12.8M | 285K | 5.5% | ▼ 0.6% |
| Royce & Associates LP | $11.7M | 261K | 5.1% | ▼ 0.8% |
| Siena Capital Partners Gp, LLC | $10.3M | 231K | 4.5% | 0.0% |
| Renaissance Technologies LLC | $9.5M | 213K | 4.1% | ▼ 2.3% |
| Geode Capital Management, LLC | $8.4M | 188K | 3.6% | ▲ 8.7% |
| Davis Asset Management, L.P. | $7.8M | 174K | 3.4% | 0.0% |
| State Street Corp | $6.2M | 138K | 2.7% | ▲ 3.5% |
| Gabelli Funds LLC | $5.8M | 130K | 2.5% | ▲ 5.7% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Timberland Bancorp Inc's complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Drugge Robert A Director | August 18, 2026 | Sell | 2,000 | $45.87 | $91,740 |
| Antich Breanne D Chief Technology Officer/EVP | August 18, 2026 | Sell | 30 | $46.41 | $1,392 |
| Brydon Dean J CEO | August 3, 2026 | Sell | 3,000 | $45.24 | $135,720 |
| Antich Breanne D Chief Technology Officer/EVP | August 1, 2026 | Sell | 269 | $45.44 | $12,223 |
| Seath Matthew Douglas Chief Risk Officer/EVP | July 31, 2026 | Sell | 3,000 | $44.75 | $134,250 |
| Smith David Alan Director | June 23, 2026 | Sell | 1,000 | $43.90 | $43,900 |
| Antich Breanne D Chief Technology Officer/EVP | February 6, 2026 | Sell | 800 | $40.05 | $32,040 |
| Fischer Jonathan Arthur President/COO | February 5, 2026 | Sell | 2,000 | $39.50 | $79,000 |
| Basich Marci A Chief Financial Officer/EVP | February 5, 2026 | Sell | 477 | $39.50 | $18,842 |
| Basich Marci A Chief Financial Officer/EVP | February 3, 2026 | Sell | 376 | $39.50 | $14,852 |
| Debord Matthew J Chief Lending Officer, EVP | February 2, 2026 | Sell | 3,805 | $39.53 | $150,412 |
| Basich Marci A Chief Financial Officer/EVP | February 2, 2026 | Sell | 4,347 | $39.52 | $171,793 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around January 26, 2027 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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