TSBK - NASDAQ
Timberland Bancorp, Inc.
$40.87
-1.8%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.
At a Glance
Live SnapshotTimberland Bancorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Timberland Bancorp, Inc. Income Statement
TSBK • NASDAQ
| Timberland Bancorp, Inc. Income Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
110.5M | 101.5M | 87.2M | 67.3M | 68.6M | 69.8M | 66.7M | 51.6M | 48M | 43.2M | 38.4M | 36.1M | 38.1M | 39M | 39.8M | 44.5M | 45.8M | 47.5M | 47.9M | 41.7M | |
GROSS PROFIT | ||||||||||||||||||||
(33M) | (31.8M) | (13.7M) | (2.8M) | (3M) | (8.6M) | (4.6M) | (2.8M) | (1.9M) | (4.1M) | (2.4M) | (3.9M) | (6.9M) | (9.4M) | (14.9M) | (21.5M) | (24.2M) | (20.3M) | (16.5M) | (10.8M) | |
77.5M | 69.7M | 73.5M | 64.5M | 65.6M | 61.2M | 62.2M | 48.8M | 46.1M | 39.1M | 36M | 32.1M | 31.2M | 29.6M | 24.9M | 23M | 21.5M | 27.2M | 31.4M | 30.9M | |
OPERATING INCOME | ||||||||||||||||||||
(41.2M) | (39.3M) | (39.5M) | (34.9M) | (31.2M) | (30.9M) | (32.3M) | (26.4M) | (24.8M) | (24M) | (23.5M) | (23.5M) | (24M) | (23.2M) | (23.5M) | (26.8M) | (22.7M) | (20.4M) | (19.5M) | (18.9M) | |
(25.5M) | (25.3M) | (25.1M) | (22M) | (19.8M) | (22M) | (23.6M) | (19.2M) | (18.3M) | (17.4M) | (16.8M) | (16.6M) | (15.7M) | (15.7M) | (16.6M) | (16.2M) | (15.3M) | (12.5M) | (11.8M) | (11.4M) | |
36.2M | 30.4M | 34M | 29.6M | 34.4M | 30.3M | 29.9M | 22.4M | 21.2M | 15.1M | 12.5M | 8.7M | 7.3M | 6.4M | 1.4M | -3.9M | -1.2M | 6.8M | 12M | 12M | |
PRE-TAX INCOME | ||||||||||||||||||||
(32.1M) | (30.7M) | (11.6M) | (2.7M) | (3.1M) | (4.7M) | (4.6M) | (2.8M) | (3.2M) | (4.1M) | (3.9M) | (3.9M) | (4.4M) | (5.9M) | (8.5M) | (11M) | (13.5M) | (16.4M) | (15.8M) | (10.8M) | |
69.9M | 63.8M | 68.1M | 55.7M | 51.7M | 50.8M | 51M | 38.9M | 35.1M | 30.7M | 27.2M | 25.9M | 25.8M | 25.6M | 25.4M | 25.6M | 25.3M | 26.9M | 26.2M | 24.6M | |
(15.7M) | (14M) | (14.5M) | (12.9M) | (11.4M) | (8.8M) | (8.6M) | (7.1M) | (6.6M) | (6.6M) | (6.8M) | (6.9M) | (8.3M) | (7.5M) | (6.9M) | (10.7M) | (7.4M) | (7.9M) | (7.7M) | (7.5M) | |
36.2M | 30.4M | 34M | 29.6M | 34.4M | 30.3M | 29.9M | 22.4M | 21.2M | 15.1M | 12.5M | 8.7M | 7.3M | 6.4M | 1.4M | -3.9M | -1.2M | 6.8M | 12M | 12M | |
NET INCOME | ||||||||||||||||||||
(7.1M) | (6.1M) | (6.9M) | (6M) | (6.8M) | (6M) | (5.9M) | (5.7M) | (7.1M) | (4.9M) | (4.2M) | (2.8M) | (2.5M) | (1.8M) | (304K) | -1.6M | -985K | (2.8M) | (3.8M) | (3.8M) | |
29.2M | 24.3M | 27.1M | 23.6M | 27.6M | 24.3M | 24M | 16.7M | 14.2M | 10.2M | 8.3M | 5.9M | 4.8M | 4.6M | 1.1M | -2.3M | -242K | 4M | 8.2M | 8.2M |
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 | |
8-K 8-K 2026 N/A | April 30, 2026 | April 28, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 07, 2026 | January 01, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | December 17, 2025 | December 17, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 11, 2025 | December 11, 2025 | 2025 | |
10-K 10-K 2025 FY FY | December 09, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 31, 2025 | October 30, 2025 | 2025 |
Related Guides
Continue your TSBK research with focused valuation guides.
Research Paths
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.