TSBK - NASDAQ

Timberland Bancorp, Inc.

TSBK·NASDAQ

$40.13

-1.8%

Financial ServicesBanks - Regional

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, construction, custom and owner/builder construction, speculative one- to four-family construction, commercial construction, multi-family construction, land development construction, and land development loans. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans; and automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans, as well as commercial business loans. As of September 30, 2021, the company operated 24 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington; and operated 25 proprietary automated teller machines. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$314.14M

EPS3.6800

P/E Ratio10.90

Earnings Date07/21/2026

2.01B

Assets

3Y+8.0%

5Y+29.0%

10Y+126.0%

1.75B

Total Liabilities

3Y+7.0%

5Y+27.0%

10Y+120.0%

262.61M

Total Equity

3Y+20.0%

5Y+40.0%

10Y+171.0%

Timberland Bancorp, Inc. Funding & Solvency Profile

TSBK · NASDAQ

Current Assets

Cash & Cash Equivalents250.65M

Net Receivables7.39M

Inventory0.00

Other Current Assets0.00

Total Current Assets289 M

Non-Current Assets

Property, Plant & Equipment24.63M

Goodwill & Intangible Assets16.22M

Long-Term Investments1.65B

Other Non-Current Assets30.21M

Total Non-Current Assets2 B

Total Assets

2.01B

Financial Health Analysis

Current Ratio

0.17x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.66x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1435275000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

14% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Timberland Bancorp, Inc. Balance Sheet

TSBK • NASDAQ

Timberland Bancorp, Inc. Balance Sheet	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	250.6M	174.9M	143.9M	339.6M	608.7M	380M	221.4M	212.2M	191.2M	161.9M	140.9M	108.2M	124.5M	120.2M	112.1M	111.8M	66.5M	17.4M	12.9M	17.5M
Short-Term Investments	31.2M	72.3M	41.8M	41.4M	63.2M	57.9M	22.5M	1.2M	1.2M	1.3M	1.4M	2.9M	4.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	281.9M	247.2M	185.7M	381.1M	671.9M	437.9M	243.9M	213.3M	192.5M	163.3M	142.3M	111.1M	128.6M	120.2M	112.1M	111.8M	66.5M	17.4M	12.9M	17.5M
Net Receivables	7.4M	7M	6M	4.5M	3.7M	4.5M	3.6M	2.9M	2.5M	2.3M	2.2M	1.9M	2M	2.2M	2.4M	2.6M	2.8M	2.9M	3.4M	2.8M
Accounts Receivables	7.4M	7M	6M	4.5M	3.7M	4.5M	3.6M	2.9M	2.5M	2.3M	2.2M	1.9M	2M	2.2M	2.4M	2.6M	2.8M	2.9M	3.4M	2.8M
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.2M	2.1M	3.3M	0.0	0.0	0.0	0.0
Total Current Assets	289.3M	254.2M	191.7M	385.5M	675.6M	442.4M	247.5M	216.2M	195M	165.6M	144.5M	113M	130.6M	123.5M	116.6M	117.7M	69.3M	20.3M	16.3M	20.3M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	24.6M	23M	23.4M	23.9M	24.7M	25.6M	22.8M	19M	18.4M	16.2M	16.9M	17.7M	17.8M	17.9M	17.4M	17.4M	18M	16.9M	16.6M	16.7M
Goodwill	15.1M	15.1M	15.1M	15.1M	15.1M	15.1M	15.1M	5.7M	5.7M	5.7M	5.7M	5.7M	5.7M	5.7M	5.7M	5.7M	5.7M	0.0	0.0	0.0
Intangible Assets	1.1M	1.8M	2.8M	4M	4.7M	4.7M	4.4M	2M	1.8M	1.6M	1.5M	1.7M	2.4M	2.3M	2.5M	2.5M	3.4M	2.9M	3.4M	2.8M
Goodwill & Intangible Assets	16.2M	17M	17.9M	19.1M	19.9M	19.9M	19.6M	7.7M	7.5M	7.2M	7.1M	7.3M	8M	7.9M	8.2M	8.1M	9M	7.9M	7.9M	8.1M
Long-Term Investments	1.7B	1.6B	1.6B	1.4B	1B	1.1B	927.8M	743M	704.1M	674.3M	615.2M	571.1M	550.8M	578.5M	557.5M	543.8M	571M	589M	579.3M	506.1M
Other Non-Current Assets	30.2M	31.9M	30.1M	28.4M	27.3M	27.9M	29.4M	32.5M	27M	28.1M	32.1M	36.5M	38.4M	9.1M	38.6M	55.7M	34.3M	47.7M	24.7M	25.8M
Total Non-Current Assets	1.7B	1.7B	1.6B	1.5B	1.1B	1.1B	999.6M	802.1M	757M	725.8M	671.4M	632.6M	615M	613.4M	621.6M	625M	632.4M	661.6M	628.5M	556.8M
Total Assets	2B	1.9B	1.8B	1.9B	1.8B	1.6B	1.2B	1B	952M	891.4M	815.8M	745.6M	745.6M	737M	738.2M	742.7M	701.7M	681.9M	644.8M	577.1M
LIABILITIES
CURRENT LIABILITIES
Total Payables	7.9M	6.3M	6.4M	4.9M	4.3M	7.3M	7.8M	4.1M	3.1M	3M	2.7M	2.7M	2.7M	2.9M	1.8M	0.0	0.0	0.0	2.7M	0.0
Accounts Payable	7.9M	6.3M	6.4M	4.9M	4.3M	4.2M	4.7M	2.9M	2M	2M	1.9M	2M	2M	2.3M	545K	0.0	0.0	0.0	1.4M	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	3.1M	3.1M	1.2M	1.1M	987K	828K	657K	660K	566K	1.2M	0.0	0.0	0.0	1.3M	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.9M	1.6M	2.8M	3M	0.0	0.0	0.0
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	855K	729K	622K	10.8M	758K	595K	29.9M
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	3.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.7B	1.6B	1.6B	1.6B	1.6B	1.4B	1.1B	889.5M	837.9M	761.5M	678.9M	615.1M	608.3M	597.9M	592.7M	578.9M	505.7M	498.6M	466.7M	431.1M
Total Current Liabilities	1.7B	1.7B	1.6B	1.6B	1.6B	1.4B	1.1B	893.6M	841M	764.6M	681.6M	617.8M	611M	603.5M	596.8M	582.3M	519.5M	499.3M	470M	461M
NON-CURRENT LIABILITIES
Long Term Debt	20M	20M	35M	0.0	5M	10M	0.0	0.0	0.0	30M	45M	45M	45M	45M	55M	75M	95M	104.6M	99.7M	33.8M
Other Non-Current Liabilities	2.5M	2.5M	2.6M	2.8M	3.1M	0.0	241.1M	219.6M	206.5M	0.0	0.0	0.0	0.0	-1.9M	184K	0.0	0.0	3.1M	605K	3M
Total Non-Current Liabilities	25.6M	24.1M	39.5M	4.9M	10.4M	12.6M	0.0	0.0	0.0	30M	45M	45M	45M	43.1M	55M	75M	95.8M	107.7M	99.7M	36.7M
Capital Lease Obligations	3.1M	1.6M	1.9M	2.1M	2.4M	2.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.8B	1.7B	1.6B	1.6B	1.6B	1.4B	1.1B	893.6M	841M	794.6M	726.6M	662.8M	656M	646.6M	652M	657.3M	614.5M	607M	570.3M	497.7M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	11.9M	16.2M	16M	15.8M	15.6M	0.0	0.0	0.0
Common Stock	26.3M	29.9M	34.8M	38.8M	42.7M	42.4M	43M	14.4M	13.3M	10M	10.3M	10.8M	10.6M	10.5M	10.5M	10.4M	10.3M	70K	70K	38K
Additional Paid-In Capital	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	8.6M	9.9M	20.9M
Retained Earnings	236.6M	215.5M	199.4M	180.5M	164.2M	145.2M	128M	110.5M	98.2M	87.7M	80.1M	73.5M	69M	65.8M	62.3M	62.2M	65.9M	69.4M	68.4M	62.9M
Accumulated Other Comprehensive Income/Loss	-298K	20K	-1.1M	-717K	59K	61K	50K	-129K	-124K	-175K	-313K	-339K	-362K	-463K	-528K	-724K	-2M	-3.2M	-3.8M	-4.5M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-133K	-397K	-661K	-926K	-1.2M	-1.5M	-1.7M	-2M	-2.2M	-2.5M	0.0	0.0	0.0
Total Stockholders' Equity	262.6M	245.4M	233.1M	218.6M	206.9M	187.6M	171.1M	124.7M	111M	96.8M	89.2M	82.8M	89.7M	90.3M	86.2M	85.4M	87.2M	74.8M	74.5M	79.4M
Total Equity	262.6M	245.4M	233.1M	218.6M	206.9M	187.6M	171.1M	124.7M	111M	96.8M	89.2M	82.8M	89.7M	90.3M	86.2M	85.4M	87.2M	74.8M	74.5M	79.4M
SUMMARY
Total Liabilities & Equity	2B	1.9B	1.8B	1.9B	1.8B	1.6B	1.2B	1B	952M	891.4M	815.8M	745.6M	745.6M	737M	738.2M	742.7M	701.7M	681.9M	644.8M	577.1M
Total Investments	1.7B	1.7B	1.6B	1.4B	1.1B	1.1B	950.3M	744.1M	705.3M	675.6M	616.6M	573.9M	554.9M	578.5M	557.5M	543.8M	571M	589M	579.3M	506.1M
Total Debt	23.1M	21.6M	36.9M	2.1M	7.4M	12.6M	0.0	0.0	0.0	30M	45M	45M	45M	45.9M	55.7M	75M	105.8M	104.6M	99.7M	63.7M
Net Debt	-227.6M	-153.4M	-107M	-337.6M	-601.3M	-367.4M	-221.4M	-212.2M	-191.2M	-131.9M	-95.9M	-63.2M	-79.5M	-74.3M	-56.3M	-36.2M	39.3M	87.2M	86.8M	46.2M
Shares Outstanding	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239	7,897,239

SEC Filings

TSBK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 30, 2026	April 28, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 07, 2026	January 01, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	December 17, 2025	December 17, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 11, 2025	December 11, 2025	2025	View Filing
10-K 10-K 2025 FY FY	December 09, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 31, 2025	October 30, 2025	2025	View Filing

Showing 1 to 10 of 319 filings

Related Guides

Blog Categories

Continue your TSBK research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.