Timberland Bancorp, Inc. (TSBK)
Financial Services · NGM
Fundamentals
Valuation and ratings
Timberland Bancorp, Inc. trades at USD43.80, which is 54% below the USD67.67 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 36 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 11.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
TSBK dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.580 | 2 |
| 2025 | USD1.05 | 4 |
| 2024 | USD0.970 | 4 |
| 2023 | USD0.920 | 4 |
| 2022 | USD0.980 | 4 |
| 2021 | USD1.04 | 4 |
| 2020 | USD0.800 | 4 |
| 2019 | USD0.800 | 4 |
| 2018 | USD0.720 | 4 |
| 2017 | USD0.520 | 4 |
| 2016 | USD0.340 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
TSBK earnings and analyst estimates
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Timberland Bancorp, Inc.
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.
TSBK passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is Timberland Bancorp, Inc. (TSBK) undervalued?
Against our discounted cash flow estimate of USD67.67, TSBK at USD43.80 is 54% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is TSBK's P/E ratio?
TSBK trades at 11.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Timberland Bancorp, Inc. (TSBK) pay a dividend?
Yes. Timberland Bancorp, Inc. yields 2.57% at the current share price. It has paid USD1.12 per share over the trailing twelve months. It has paid a dividend in each of the last 13 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does TSBK report earnings next?
Timberland Bancorp, Inc. is scheduled to report on 28 Jul 2026. Companies move earnings dates, so read it as scheduled rather than certain.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.