Timberland Bancorp, Inc. (TSBK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Timberland Bancorp, Inc. (TSBK) trades at $43.67 with AI Score 92/100 (Grade A+). Timberland Bancorp, Inc. is a bank holding company operating through Timberland Bank, providing community banking services in Washington. Market cap: $342M, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: May 10, 2026Analyst Coverage for TSBK: TSBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TSBK against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
TSBK: 2/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Timberland Bancorp, Inc. (TSBK) Financial Services Profile
Timberland Bancorp, Inc., operating through Timberland Bank, provides community banking services in Washington, offering diverse deposit and loan products. With a focus on residential and commercial real estate lending, the company maintains a regional presence through its branch network and ATM services, demonstrating a commitment to local markets.
What Is the Investment Thesis for TSBK?
Timberland Bancorp, Inc. presents a stable investment opportunity within the regional banking sector, supported by a consistent profit margin of 26.7% and a dividend yield of 2.73%. The company's focus on real estate lending in the Washington market provides a steady stream of revenue, while its diverse deposit products attract a broad customer base. With a P/E ratio of 10.8, TSBK is reasonably valued compared to its peers. Growth catalysts include potential expansion within its existing geographic footprint and strategic investments in digital banking to enhance customer experience. However, investors should be aware of potential risks such as interest rate fluctuations and increased competition from larger regional and national banks. The company's beta of 0.33 indicates lower volatility compared to the overall market, making it a potentially noteworthy option for risk-averse investors seeking stable returns.
Based on FMP financials and quantitative analysis
TSBK Key Highlights
- Market Cap of $342M reflects Timberland Bancorp's position as a community bank with a regional focus.
- P/E ratio of 10.8 suggests a reasonable valuation compared to its earnings.
- Profit Margin of 26.7% indicates efficient operations and profitability.
- Gross Margin of 71.2% demonstrates strong revenue generation relative to the cost of services.
- Dividend Yield of 2.73% provides a steady income stream for investors.
Who Are TSBK's Competitors?
TSBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CZFS Citizens Financial Services, Inc. | $71.58 | -2.77% | $344M | 92 |
| BCML BayCom Corp | $33.89 | -0.24% | $370M | 92 |
| FNLC The First Bancorp, Inc. | $34.36 | -0.43% | $387M | 92 |
| PKBK Parke Bancorp, Inc. | $32.74 | -1.03% | $388M | 93 |
| PCB PCB Bancorp | $29.59 | -0.74% | $421M | 93 |
| RBB RBB Bancorp | $26.75 | -1.15% | $453M | 93 |
| PDLB Ponce Financial Group, Inc. | $20.02 | -1.14% | $484M | 92 |
| OBT Orange County Bancorp, Inc. | $37.39 | -0.45% | $501M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TSBK's Key Strengths?
- Strong community ties in Washington.
- Diversified loan portfolio.
- Experienced management team.
- Consistent profitability.
What Are TSBK's Weaknesses?
- Limited geographic footprint.
- Reliance on traditional banking services.
- Smaller scale compared to larger regional banks.
- Vulnerability to interest rate fluctuations.
What Could Drive TSBK Stock Higher?
- Potential expansion into new markets within Washington state.
- Continued investment in digital banking technologies to enhance customer experience.
- Focus on growing the commercial lending portfolio by targeting SMBs.
- Possible expansion into wealth management services to diversify revenue streams.
What Are the Key Risks for TSBK?
- Financial-distress signal — its Altman Z-Score of 0.42 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Regulatory changes impacting the banking industry.
- Economic downturn affecting loan demand and credit quality.
- Cybersecurity threats and data breaches.
- Interest rate fluctuations impacting net interest margin.
What Are the Growth Opportunities for TSBK?
- Expansion within Existing Markets: Timberland Bancorp can expand its presence within its existing markets in Washington by opening new branches or acquiring smaller community banks. The Washington State banking market is robust, with increasing demand for financial services from both individuals and businesses. By strategically expanding its branch network, Timberland Bancorp can increase its deposit base and loan portfolio, driving revenue growth. This expansion strategy can be implemented over the next 3-5 years.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance customer experience and attract a younger demographic. The market for digital banking services is growing rapidly, with increasing adoption of mobile banking and online platforms. By offering user-friendly digital solutions, Timberland Bancorp can improve customer satisfaction, reduce operational costs, and expand its market reach. This initiative can be rolled out incrementally over the next 2 years.
- Commercial Lending Growth: Timberland Bancorp can focus on growing its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its service areas. The SMB sector is a significant driver of economic growth in Washington, with increasing demand for financing to support expansion and investment. By offering tailored loan products and personalized service, Timberland Bancorp can capture a larger share of the commercial lending market. This strategy can be implemented within the next year.
- Wealth Management Services: Expanding into wealth management services can provide a new revenue stream and diversify Timberland Bancorp's offerings. The demand for wealth management services is growing, driven by an aging population and increasing affluence. By offering financial planning, investment management, and trust services, Timberland Bancorp can attract high-net-worth individuals and families, increasing its assets under management. This expansion can be phased in over the next 3-5 years.
- Strategic Partnerships: Forming strategic partnerships with local businesses and community organizations can enhance Timberland Bancorp's brand recognition and customer loyalty. By collaborating with complementary businesses, such as real estate agencies and insurance companies, Timberland Bancorp can offer bundled services and cross-promotional opportunities. This partnership strategy can be implemented on an ongoing basis, fostering stronger relationships with the local community.
What Opportunities Does TSBK Have?
- Expansion within existing markets.
- Investment in digital banking technologies.
- Growth in commercial lending.
- Expansion into wealth management services.
What Threats Does TSBK Face?
- Increased competition from larger banks.
- Regulatory changes impacting the banking industry.
- Economic downturn affecting loan demand.
- Cybersecurity risks.
What Are TSBK's Competitive Advantages?
- Established presence in local Washington markets.
- Strong relationships with local businesses and communities.
- Diversified loan portfolio across various sectors.
- Experienced management team with deep industry knowledge.
What Does TSBK Do?
Founded in 1915 and headquartered in Hoquiam, Washington, Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank. The bank provides a comprehensive suite of community banking services tailored to individuals and businesses across several counties in Washington. Timberland Bank offers a variety of deposit products, including money market deposit accounts, checking accounts, regular savings accounts, and certificates of deposit. These products cater to the diverse financial needs of its customer base, from basic transaction accounts to savings and investment options. On the lending side, Timberland Bank provides a wide array of loan products, with a significant focus on real estate. These include one- to four-family residential loans, multi-family loans, commercial real estate loans, and construction loans. The bank also offers specialized construction loans, such as custom and owner/builder construction loans, speculative one- to four-family construction loans, commercial construction loans, multi-family construction loans, land development construction loans, and land development loans. In addition to real estate lending, Timberland Bank provides consumer loans, including home equity lines of credit, second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, unsecured loans, as well as commercial business loans. As of September 30, 2021, Timberland Bank operated 24 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington. It also maintained a network of 25 proprietary automated teller machines (ATMs), providing convenient access to banking services for its customers. Timberland Bancorp's commitment to serving its local communities is reflected in its extensive branch network and diverse product offerings.
What Products and Services Does TSBK Offer?
- Provides community banking services in Washington.
- Offers money market deposit, checking, and savings accounts.
- Provides certificates of deposit.
- Offers one- to four-family residential loans.
- Provides multi-family and commercial real estate loans.
- Offers construction and land development loans.
- Provides home equity lines of credit and second mortgage loans.
- Offers automobile, boat, and recreational vehicle loans.
How Does TSBK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through diversification of loan portfolio.
- Operates a network of branches and ATMs to serve customers.
What Industry Does TSBK Operate In?
Timberland Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with banks increasingly investing in technology to enhance customer experience and streamline operations. Regulatory compliance and interest rate fluctuations are significant factors impacting profitability. Timberland Bancorp's focus on community banking and real estate lending positions it to capitalize on local market opportunities while navigating the broader industry trends.
Who Are TSBK's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing construction financing.
- Consumers looking for auto and recreational vehicle loans.
Company Profile
Timberland Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Hoquiam, US. The company is led by CEO Dean J. Brydon. TSBK has traded publicly since 1998.
F-Score 8/9Financial Health
Timberland Bancorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.42 places it in the distress zone, a signal of elevated financial risk.
ROE 12%Key Financial Metrics
Return on equity for Timberland Bancorp, Inc. stands at 11.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.5%, showing how much profit it generates from its asset base. TSBK trades at a trailing price-to-earnings ratio of 10.80, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.3%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 8.7%, the inverse of the P/E and a quick read on earnings relative to price.
TSBK Valuation & Market Position
With a $342M market cap, Timberland Bancorp, Inc. sits in the small-cap segment of the market. Relative to its peer group, TSBK's quantitative score of 92/100 is roughly in line with the peer average of 92/100.
TSBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Timberland's future performance, indicating that those closest to the company believe in its potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong regional presence and customer loyalty.
- Analysts have noted Timberland's stable loan growth, which positions the company well in a competitive banking landscape.
- The bank's focus on community lending aligns with current trends favoring socially responsible investing, attracting a new wave of investors.
Bear Case
- Concerns about rising interest rates have led to fears of reduced lending margins, which could impact profitability in the near term.
- Negative sentiment has emerged from discussions around potential regulatory changes that could affect smaller banks like Timberland.
- Some analysts express caution over the bank's exposure to economic downturns, particularly in its lending portfolio.
- Recent earnings reports have shown slower growth compared to peers, leading to increased scrutiny from the investment community.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
TSBK Latest News
No recent news available for TSBK.
TSBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TSBK.
Price Targets
Wall Street price target analysis for TSBK.
TSBK MoonshotScore
What does this score mean?
The MoonshotScore rates TSBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Dean J. Brydon
Unknown
Dean J. Brydon is the CEO of Timberland Bancorp, Inc. He is responsible for managing 274 employees. Further details regarding his background, career history, education, and previous roles are not available in the provided data.
Track Record: Information about Dean J. Brydon's specific achievements, strategic decisions, and company milestones under his leadership is not available in the provided data.
Common Questions About TSBK (Financial Services)
What does the AI Score mean for TSBK?
TSBK holds an AI Score of 92/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. Timberland Bancorp, Inc. is a bank holding company operating through Timberland Bank, providing community banking services in Washington. The company offers a range of deposit and loan products …
What does Timberland Bancorp, Inc. do?
Timberland Bancorp, Inc., through its subsidiary Timberland Bank, provides a range of community banking services to individuals and businesses in Washington. These services include deposit accounts such as checking, savings, and money market accounts, as well as certificates of deposit.
What do analysts say about TSBK stock?
Analyst coverage of Timberland Bancorp, Inc. (TSBK) is not available in the provided data. Therefore, a neutral summary of analyst consensus, key valuation metrics, and growth considerations cannot be provided. Investors should conduct their own research and consult with financial professionals to assess the potential risks and rewards of investing in TSBK.
What are the main risks for TSBK?
Timberland Bancorp, Inc. faces several risks inherent to the banking industry and its specific market. These include increased competition from larger regional and national banks, which could impact its market share and profitability. Regulatory changes, such as increased capital requirements or compliance costs, could also pose challenges. Economic downturns could lead to decreased loan demand and increased credit losses.
How is Timberland Bancorp, Inc. adapting to fintech disruption?
Timberland Bancorp, Inc.'s adaptation to fintech disruption is primarily through investment in digital banking technologies. While specific details of these initiatives are not provided, the company recognizes the importance of enhancing customer experience through online and mobile platforms. This includes offering user-friendly digital solutions to attract and retain customers, reduce operational costs, and expand its market reach. Further information on specific fintech partnerships or innovative product offerings is not available.
What regulatory challenges does Timberland Bancorp, Inc. face?
As a bank holding company, Timberland Bancorp, Inc. faces a complex regulatory environment governed by federal and state banking regulations. These regulations include capital requirements, reserve requirements, and lending restrictions designed to ensure the safety and soundness of the banking system. Compliance with these regulations requires significant investment in personnel, technology, and internal controls.
What are the key factors to evaluate for TSBK?
Timberland Bancorp, Inc. (TSBK) holds an AI score of 92/100 (high). P/E: 10.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does TSBK data refresh on this page?
TSBK's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TSBK's recent stock price performance?
Timberland Bancorp, Inc. (TSBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community ties in Washington. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available on CEO track record.
- Analyst consensus data not available.