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TSBK Timberland Bancorp, Inc.
Banks, Insurers & Asset Managers
B- 68.6 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
C+ 59

Scored using ROA (NIM proxy) — financial-archetype substitution.

  • 5yr Avg ROA 1.3%
  • Operating Margin Trend -4.87 pp/yr

Capital Efficiency

Weight: 20%
B 73

Scored using ROTCE — financial-archetype substitution.

  • 5yr Avg ROTCE 10.7%
  • 5yr Share-Count CAGR -1.5%

Growth Quality

Weight: 10%
B+ 79

Scored using BVPS — financial-archetype substitution.

  • 5yr BVPS CAGR 17.7%
  • 5yr EPS CAGR 2.9%
  • Positive-EPS Years (5) 5/5

Cash Generation

Weight: 5%
A 92

Scored using OCF/NI — banks have no FCF concept.

  • 5yr OCF/NI 1.06x

Balance Sheet

Weight: 30%
B- 67

Scored using Equity/Assets — financial-archetype substitution.

  • Equity / Assets 13.0%
  • Interest Coverage (EBIT/Int) 1.13x

Stability

Weight: 10%
B- 67
  • EPS Volatility (σ/μ) 0.31
  • Piotroski F-Score 8
  • Negative-Revenue Years (5) 2/5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.