Timberland Bancorp, Inc. logo TSBK - Timberland Bancorp, Inc.

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STRONG
BUY
0
BUY 1
HOLD 0
SELL 0
STRONG
SELL
0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Revenue
Revenue 110.5 101.5 87.2 67.3 68.6 69.8 66.7 51.6 48.0 43.2 38.4 36.1 38.1 39.0 39.8 44.5 45.8 47.5 47.9 41.7 37.0 31.1 33.7 34.9 34.6 30.1 23.7 22.2 10.2
Cost of Revenue 33.0 31.8 13.7 2.8 3.0 8.6 4.6 2.8 1.9 4.1 2.4 3.9 6.9 9.4 14.9 21.5 24.2 20.3 16.5 10.8 8.8 7.5 9.3 11.9 15.3 13.3 8.8 8.3 9.0
Gross Profit 77.5 69.7 73.5 64.5 65.6 61.2 62.2 48.8 46.1 39.1 36.0 32.1 31.2 29.6 24.9 23.0 21.5 27.2 31.4 30.9 28.3 23.7 24.4 23.0 19.3 16.8 14.9 13.8 1.2
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 25.5 25.3 25.1 22.0 19.8 22.0 23.6 19.2 18.3 17.4 16.8 16.6 15.7 15.7 16.6 16.2 15.3 12.5 11.8 11.4 11.0 9.5 9.0 7.8 7.0 4.9 4.6 4.1 0.2
Other Expenses 15.7 14.0 14.5 12.9 11.4 8.8 8.6 7.1 6.6 6.6 6.8 6.9 8.3 7.5 6.9 10.7 7.4 7.9 7.7 7.5 7.5 6.1 5.8 5.0 4.1 3.0 2.5 2.2 (4.2)
Operating Expenses 41.2 39.3 39.5 34.9 31.2 30.9 32.3 26.4 24.8 24.0 23.5 23.5 24.0 23.2 23.5 26.8 22.7 20.4 19.5 18.9 18.5 15.6 14.8 12.7 11.1 8.0 7.1 6.3 (3.9)
Operating Income
Operating Income 36.2 30.4 34.0 29.6 34.4 30.3 29.9 22.4 21.2 15.1 12.5 8.7 7.3 6.4 1.4 (3.9) (1.2) 6.8 12.0 12.0 9.7 8.1 9.6 10.3 8.2 8.8 7.8 7.5 5.2
Interest Expense 32.1 30.7 11.6 2.7 3.1 4.7 4.6 2.8 3.2 4.1 3.9 3.9 4.4 5.9 8.5 11.0 13.5 16.4 15.8 10.8 8.6 7.3 8.9 10.9 13.9 12.4 8.4 8.2 8.4
Interest Income 101.9 94.5 79.7 58.4 54.9 55.5 55.6 41.7 38.2 34.8 31.1 29.8 30.2 31.6 33.9 36.6 38.8 43.3 41.9 35.5 30.9 26.6 27.7 30.3 31.7 28.4 23.1 20.6 17.9
Profitability
EBITDA 38.7 33.0 36.7 32.4 37.5 33.1 32.6 24.2 23.0 16.9 14.7 11.0 9.4 8.3 3.2 (2.7) (0.1) 8.2 13.3 13.3 11.0 8.9 10.3 11.0 8.7 9.2 8.2 7.8 5.5
EBIT 36.2 30.4 34.0 29.6 34.4 30.2 29.9 22.3 21.2 15.1 12.5 8.6 7.3 6.4 1.4 (3.9) (1.2) 6.8 12.0 12.0 9.7 8.1 9.6 10.3 8.2 8.8 7.8 7.5 5.2
Income Before Tax 36.2 30.4 34.0 29.6 34.4 30.3 29.9 22.4 21.2 15.1 12.5 8.7 7.3 6.4 1.4 (3.9) (1.2) 6.8 12.0 12.0 9.7 8.1 9.6 10.3 8.2 8.8 7.8 7.5 5.2
Income Tax Expense 7.1 6.1 6.9 6.0 6.8 6.0 5.9 5.7 7.1 4.9 4.2 2.8 2.5 1.8 0.3 (1.6) (1.0) 2.8 3.8 3.8 3.1 2.5 3.0 3.4 2.7 2.9 2.6 2.4 1.8
Net Income 29.2 24.3 27.1 23.6 27.6 24.3 24.0 16.7 14.2 10.2 8.3 5.8 4.8 4.6 1.1 (2.3) (0.2) 4.0 8.2 8.2 6.6 5.6 6.6 6.9 5.5 5.9 5.2 5.1 3.3
Per Share Data
EPS (Basic) 3.68 3.02 3.32 2.84 3.31 2.91 2.89 2.28 1.99 1.48 1.20 0.82 0.59 0.52 0.00 -0.50 -0.15 0.62 1.20 1.16 0.95 0.39 0.87 0.88 0.65 0.66 0.52 0.42 0.25
EPS (Diluted) 3.67 3.01 3.29 2.82 3.27 2.88 2.84 2.22 1.92 1.43 1.17 0.80 0.58 0.52 0.00 -0.50 -0.15 0.61 1.17 1.12 0.91 0.37 0.83 0.86 0.64 0.66 0.52 0.42 0.25
Shares Outstanding 7.9 8.0 8.2 8.3 8.3 8.3 8.3 7.3 7.1 6.8 6.9 6.9 6.8 6.8 6.7 6.7 6.6 6.5 6.8 7.0 7.0 7.4 7.6 7.8 8.4 9.0 10.1 12.1 13.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997
Current Assets
Cash & Cash Equivalents 250.6 174.9 143.9 339.6 608.7 380.0 221.4 212.2 191.2 161.9 66.5 17.4 18.7 38.1 36.1 13.4 12.0 8.1 21.8 11.4
Short-Term Investments 31.2 72.3 41.8 41.4 63.2 57.9 22.5 1.2 1.2 1.3 0 0 0 0 0 0 0 0 0 0
Net Receivables 7.4 7.0 6.0 4.5 3.7 4.5 3.6 2.9 2.5 2.3 2.8 2.9 1.8 1.7 1.6 1.9 1.8 1.5 1.4 1.1
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 289.3 254.2 191.7 385.5 675.6 442.4 247.5 216.2 195.0 165.6 69.3 20.3 20.5 39.8 37.7 15.3 13.8 9.6 23.2 12.6
Non-Current Assets
Property, Plant & Equipment 24.6 23.0 23.4 23.9 24.6 25.6 22.8 19.0 18.4 16.2 18.0 16.9 13.9 13.4 11.7 10.7 8.6 7.6 7.1 5.9
Goodwill 15.1 15.1 15.1 15.1 15.1 15.1 15.1 5.7 5.7 5.7 5.7 0 0 0 0 0 0 0 0 0
Intangible Assets 1.1 1.8 2.8 4.0 4.7 4.7 4.4 2.0 1.8 1.6 3.4 0 0 0 0 0 0 0 0 0
Long-Term Investments 1,652.4 1,597.5 1,576.7 1,403.6 1,044.7 1,050.3 927.8 743.0 704.1 674.3 571.0 589.0 404.7 376.5 364.1 353.1 342.1 287.8 234.6 192.6
Other Non-Current Assets 30.2 31.9 30.1 28.4 27.3 27.9 29.4 32.5 27.0 28.1 34.3 47.7 21.4 19.9 17.6 7.2 3.6 2.1 0.8 0.5
Total Non-Current Assets 1,723.5 1,669.3 1,648.2 1,475.0 1,116.6 1,123.6 999.6 802.1 757.0 725.8 632.4 661.6 439.9 409.8 393.4 371.0 354.3 297.5 242.5 199.0
Total Assets 2,012.8 1,923.5 1,839.9 1,860.5 1,792.2 1,566.0 1,247.1 1,018.3 952.0 891.4 701.7 681.9 460.4 449.6 431.1 386.3 368.1 307.1 265.7 211.6
Current Liabilities
Account Payables 7.9 6.3 6.4 4.9 4.3 4.2 4.7 2.9 2.0 2.0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 10.8 0.8 0 0 0 0 64.8 33.6 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 1,716.3 1,647.7 1,560.9 1,632.2 1,570.6 1,358.4 1,068.2 889.5 837.9 761.5 505.7 498.6 319.6 307.7 292.3 242.4 212.6 188.1 170.8 173.0
Total Current Liabilities 1,724.6 1,654.0 1,567.3 1,637.1 1,574.8 1,362.6 1,072.9 892.4 839.9 763.6 519.5 499.3 319.6 307.7 292.3 242.4 277.4 221.7 170.8 173.0
Non-Current Liabilities
Long-Term Debt 20 20 35 0 5 10 0 0 0 30 95 104.6 65.4 61.6 61.8 69.0 16.3 11.5 11.6 12.2
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 2.5 2.5 2.6 2.8 3.1 3.1 3.1 1.2 1.1 1.0 0 3.1 2.6 2.7 2.6 3.1 2.0 1.7 1.5 1.7
Total Non-Current Liabilities 25.6 24.1 39.5 4.9 10.4 15.7 3.1 1.2 1.1 31.0 95 107.7 68.0 64.3 64.3 72.1 18.4 13.2 13.1 13.9
Total Liabilities 1,750.2 1,678.1 1,606.8 1,641.9 1,585.3 1,378.3 1,076.1 893.6 841.0 794.6 614.5 607.0 387.6 372.0 356.7 314.5 295.8 234.9 183.9 186.9
Stockholders' Equity
Common Stock 26.3 29.9 34.8 38.8 42.7 42.4 43.0 14.4 13.3 10.0 10.3 0.1 0.0 0.0 0.0 0.0 0.0 0.1 0 0
Retained Earnings 236.6 215.5 199.4 180.5 164.2 145.2 128.0 110.5 98.2 87.7 65.9 69.4 53.0 49.7 45.2 40.3 36.8 32.6 28.9 24.6
Accumulated Other Comprehensive Income (0.3) 0.0 (1.1) (0.7) 0.1 0.1 0.1 (0.1) (0.1) (0.2) (2.0) (3.2) (5.1) (5.9) (6.7) (8.1) (6.8) (7.4) 0.1 0
Total Stockholders' Equity 262.6 245.4 233.1 218.6 206.9 187.6 171.1 124.7 111 96.8 87.2 74.8 72.8 77.6 74.4 71.8 72.3 72.2 81.8 24.6
Total Liabilities & Equity 2,012.8 1,923.5 1,839.9 1,860.5 1,792.2 1,566.0 1,247.1 1,018.3 952.0 891.4 701.7 681.9 460.4 449.6 431.1 386.3 368.1 307.1 265.7 211.6
Debt Metrics
Total Debt 23.1 21.6 36.9 2.1 7.4 12.6 0 0 0 30 105.8 105.4 65.4 61.6 61.8 69.0 81.1 45.1 11.6 12.2
Net Debt (227.6) (153.4) (107.0) (337.6) (601.3) (367.4) (221.4) (212.2) (191.2) (131.9) 39.3 87.9 46.8 23.5 25.7 55.5 69.1 37 (10.2) 0.8
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997
Operating Activities
Net Income 29.2 24.3 27.1 23.6 27.6 24.3 24.0 16.7 14.2 10.2 6.6 5.6 6.6 6.9 5.5 5.9 5.2 5.1 3.3
Depreciation & Amortization 2.5 2.6 2.7 2.8 3.0 2.8 2.7 1.8 1.7 1.9 1.3 0.8 0.7 0.6 0.5 0.4 0.4 0.3 0.3
Stock-Based Compensation 0.5 0.4 0.3 0.2 0.2 0.2 0.6 1.1 0.8 0.6 0 0 0 0 0 0 0 0 0
Change in Working Capital 1.6 (3.6) 0.8 (1.9) (1.7) 2.5 (3.3) (0.0) (1.4) (0.6) (1.3) 1.0 (0.6) 0 1.2 (0.1) 1.3 (0.7) 0
Other Non-Cash Items (3.3) (0.3) 0.4 1.9 0.3 4.0 (6.6) 1.1 (1.8) (0.5) 0.9 0.0 3.0 3.8 0.9 (4.5) (13.6) (3.9) 1.9
Operating Cash Flow 30.2 23.0 31.0 26.5 29.6 33.9 18.1 21.4 13.9 11.8 7.6 7.5 9.7 11.1 7.9 1.5 (7.1) 0.8 5.6
Investing Activities
Capital Expenditure (1.7) (1.3) (1.1) (0.9) (0.9) (2.0) (2.2) (2.2) (3.5) (0.8) (0.8) (1.3) (2.5) (1.6) (2.6) (1.4) (2.7) (1) (1.4)
Acquisitions 0 0 0 0 0 0 14.3 0 0 0 76.6 0 0 0 0 0 0 0 0
Purchases of Investments (52.9) (45.0) (32.6) (208.8) (71.7) (51.5) (34.1) (6.1) (3) 0 (39.0) (18.0) (24.1) (17.2) (14.7) (2.0) (26.8) (37.4) (13.4)
Sales/Maturities of Investments 83.0 115.0 29.5 32.1 25.2 19.6 18.5 0.6 0.7 0.5 8.2 11.7 10.9 18.4 24.9 4.9 29.9 7.9 0.1
Other Investing Activities (36.7) (114.5) (166.0) (157.6) 84.9 (120.8) (41.1) (60.6) (14.3) (59.5) (41.7) (22.3) (6.8) (47.0) (24.2) (55.1) (29.6) (17) 1.2
Investing Cash Flow (8.2) (45.8) (170.2) (335.2) 37.4 (154.7) (44.5) (68.3) (20.2) (59.5) 3.3 (29.9) (22.4) (47.4) (16.5) (53.6) (29.2) (47.5) (13.5)
Financing Activities
Net Debt Issuance 0 (15) 35 (5) (5) 10 0 0 (30) (15) (2.3) 3.8 (0.2) (7.2) (12.2) 36.1 33.5 (0.6) 0
Stock Repurchased (5.8) (6.0) (5.0) (4.6) (0.5) (1.2) (0.5) 0 0 (0.8) 0 0 0 0 0 0 0 0 0
Dividends Paid (8.1) (7.7) (8.3) (7.2) (8.6) (7.1) (6.5) (4.4) (3.6) (2.6) (2.3) (2.3) (2.1) (2.0) (1.9) (1.7) (1.5) (0.8) 0
Other Financing Activities 70.6 87.4 (70.5) 62.0 212.8 290.6 27.6 51.9 79.2 82.8 6.0 12.3 15.4 49.9 29.8 24.5 17.3 (2.3) 14.3
Financing Cash Flow 56.8 58.8 (48.8) 45.2 198.7 292.2 20.6 47.5 45.6 64.4 (2.0) 4.1 10.7 36.9 9.8 54.2 36.1 48.7 14.3
Cash Position
Net Change in Cash 78.7 36.0 (188.0) (263.4) 265.7 171.4 (5.8) 0.7 39.2 16.7 8.9 (18.3) (2.0) 0.6 1.1 2.1 (0.2) 2 6.4
Cash at Beginning 164.7 128.7 316.8 580.2 314.5 143.0 148.9 148.2 108.9 92.3 19.6 37.9 10.6 10.0 8.9 6.8 7 5 5.1
Cash at End 243.4 164.7 128.7 316.8 580.2 314.5 143.0 148.9 148.2 108.9 28.5 19.6 8.6 10.6 10.0 8.9 6.8 7 11.4
Free Cash Flow 28.4 21.7 29.9 25.6 28.7 31.9 16.0 19.3 10.3 11.0 6.8 6.2 7.3 9.5 5.3 0.1 (9.8) (0.2) 4.1
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Income Statement
Revenue 110.5 101.5 87.2 67.3 68.6 69.8 66.7 51.6 48.0 43.2 38.4 36.1 38.1 39.0 39.8 44.5 45.8 47.5 47.9 41.7 37.0 31.1 33.7 34.9 34.6 30.1 23.7 22.2 10.2
Gross Profit 77.5 69.7 73.5 64.5 65.6 61.2 62.2 48.8 46.1 39.1 36.0 32.1 31.2 29.6 24.9 23.0 21.5 27.2 31.4 30.9 28.3 23.7 24.4 23.0 19.3 16.8 14.9 13.8 1.2
Operating Income 36.2 30.4 34.0 29.6 34.4 30.3 29.9 22.4 21.2 15.1 12.5 8.7 7.3 6.4 1.4 (3.9) (1.2) 6.8 12.0 12.0 9.7 8.1 9.6 10.3 8.2 8.8 7.8 7.5 5.2
Net Income 29.2 24.3 27.1 23.6 27.6 24.3 24.0 16.7 14.2 10.2 8.3 5.8 4.8 4.6 1.1 (2.3) (0.2) 4.0 8.2 8.2 6.6 5.6 6.6 6.9 5.5 5.9 5.2 5.1 3.3
EPS (Diluted) 3.67 3.01 3.29 2.82 3.27 2.88 2.84 2.22 1.92 1.43 1.17 0.80 0.58 0.52 0.00 -0.50 -0.15 0.61 1.17 1.12 0.91 0.37 0.83 0.86 0.64 0.66 0.52 0.42 0.25
Balance Sheet
Cash & Equivalents 250.6 174.9 143.9 339.6 608.7 380.0 221.4 212.2 191.2 161.9 66.5 17.4 18.7 38.1 36.1 13.4 12.0 8.1 21.8 11.4
Total Assets 2,012.8 1,923.5 1,839.9 1,860.5 1,792.2 1,566.0 1,247.1 1,018.3 952.0 891.4 701.7 681.9 460.4 449.6 431.1 386.3 368.1 307.1 265.7 211.6
Total Debt 23.1 21.6 36.9 2.1 7.4 12.6 0 0 0 30 105.8 105.4 65.4 61.6 61.8 69.0 81.1 45.1 11.6 12.2
Stockholders' Equity 262.6 245.4 233.1 218.6 206.9 187.6 171.1 124.7 111 96.8 87.2 74.8 72.8 77.6 74.4 71.8 72.3 72.2 81.8 24.6
Cash Flow
Operating Cash Flow 30.2 23.0 31.0 26.5 29.6 33.9 18.1 21.4 13.9 11.8 7.6 7.5 9.7 11.1 7.9 1.5 (7.1) 0.8 5.6
Capital Expenditure (1.7) (1.3) (1.1) (0.9) (0.9) (2.0) (2.2) (2.2) (3.5) (0.8) (0.8) (1.3) (2.5) (1.6) (2.6) (1.4) (2.7) (1) (1.4)
Free Cash Flow 28.4 21.7 29.9 25.6 28.7 31.9 16.0 19.3 10.3 11.0 6.8 6.2 7.3 9.5 5.3 0.1 (9.8) (0.2) 4.1