Timberland Bancorp, Inc.
TSBKFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, Timberland Bancorp, Inc. focuses on Banks - Regional services and products. Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. With a market capitalization of $319.9M, it sits in small-cap territory. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit.
Market Cap
$319.9M
Beta
0.31
P/E (TTM)
10.48
P/E (Fwd)
—
EPS (TTM)
$3.90
EPS (Fwd)
—
ROE
11.8%
ROA
1.6%
Cash
$300.6M
Total Debt
$22.9M
Free CF
—
52W Change
35.1%
Annual Financials
Cash vs Debt
Timberland Bancorp, Inc. holds $300.6M in cash against $22.9M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 11.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.6% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $64.7M (2022) to $78.4M (2025), reflecting a 21% increase over the period.
With a beta below 0.7, Timberland Bancorp, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing TSBK's risk profile alongside its fundamentals and technical indicators provides a more complete picture.