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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.61
TSBK's Cash to Debt is ranked higher than
77% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. TSBK: 1.61 )
TSBK' s 10-Year Cash to Debt Range
Min: 0.13   Max: 2.15
Current: 1.61

0.13
2.15
Equity to Asset 0.11
TSBK's Equity to Asset is ranked higher than
75% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. TSBK: 0.11 )
TSBK' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.31
Current: 0.11

0.11
0.31
Interest Coverage 2.20
TSBK's Interest Coverage is ranked higher than
78% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. TSBK: 2.20 )
TSBK' s 10-Year Interest Coverage Range
Min: 0.16   Max: 2.2
Current: 2.2

0.16
2.2
F-Score: 4
Z-Score: 0.31
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 25.11
TSBK's Operating margin (%) is ranked higher than
69% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. TSBK: 25.11 )
TSBK' s 10-Year Operating margin (%) Range
Min: -207.75   Max: 53.7
Current: 25.11

-207.75
53.7
Net-margin (%) 16.98
TSBK's Net-margin (%) is ranked higher than
66% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. TSBK: 16.98 )
TSBK' s 10-Year Net-margin (%) Range
Min: -7.31   Max: 181.71
Current: 16.98

-7.31
181.71
ROE (%) 7.08
TSBK's ROE (%) is ranked higher than
69% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. TSBK: 7.08 )
TSBK' s 10-Year ROE (%) Range
Min: -2.65   Max: 10.61
Current: 7.08

-2.65
10.61
ROA (%) 0.80
TSBK's ROA (%) is ranked higher than
73% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. TSBK: 0.80 )
TSBK' s 10-Year ROA (%) Range
Min: -0.32   Max: 2.14
Current: 0.8

-0.32
2.14
ROC (Joel Greenblatt) (%) 48.59
TSBK's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. TSBK: 48.59 )
TSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -21.79   Max: 212.39
Current: 48.59

-21.79
212.39
Revenue Growth (%) -1.00
TSBK's Revenue Growth (%) is ranked higher than
69% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. TSBK: -1.00 )
TSBK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 28
Current: -1

0
28
EBITDA Growth (%) 51.00
TSBK's EBITDA Growth (%) is ranked higher than
96% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. TSBK: 51.00 )
TSBK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 51
Current: 51

0
51
» TSBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

TSBK Guru Trades in Q4 2013

Jim Simons 120,700 sh (+2.29%)
Chuck Royce 444,200 sh (unchged)
» More
Q1 2014

TSBK Guru Trades in Q1 2014

Jim Simons 129,500 sh (+7.29%)
Chuck Royce 444,200 sh (unchged)
» More
Q2 2014

TSBK Guru Trades in Q2 2014

Jim Simons 132,900 sh (+2.63%)
Chuck Royce 444,200 sh (unchged)
» More
Q3 2014

TSBK Guru Trades in Q3 2014

Jim Simons 139,200 sh (+4.74%)
Chuck Royce 444,200 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with TSBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.10
TSBK's P/E(ttm) is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. TSBK: 13.10 )
TSBK' s 10-Year P/E(ttm) Range
Min: 8.01   Max: 37.03
Current: 13.1

8.01
37.03
P/B 0.89
TSBK's P/B is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. TSBK: 0.89 )
TSBK' s 10-Year P/B Range
Min: 0.26   Max: 1.87
Current: 0.89

0.26
1.87
P/S 2.13
TSBK's P/S is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. TSBK: 2.13 )
TSBK' s 10-Year P/S Range
Min: 0.65   Max: 4.66
Current: 2.13

0.65
4.66
PFCF 9.76
TSBK's PFCF is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TSBK: 9.76 )
TSBK' s 10-Year PFCF Range
Min: 1.82   Max: 29.71
Current: 9.76

1.82
29.71
EV-to-EBIT 5.36
TSBK's EV-to-EBIT is ranked higher than
95% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. TSBK: 5.36 )
TSBK' s 10-Year EV-to-EBIT Range
Min: -71.1   Max: 247.4
Current: 5.36

-71.1
247.4
Shiller P/E 51.34
TSBK's Shiller P/E is ranked higher than
77% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TSBK: 51.34 )
TSBK' s 10-Year Shiller P/E Range
Min: 3.64   Max: 74.67
Current: 51.34

3.64
74.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.72
TSBK's Dividend Yield is ranked lower than
63% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. TSBK: 1.72 )
TSBK' s 10-Year Dividend Yield Range
Min: 0.17   Max: 13.13
Current: 1.72

0.17
13.13
Dividend Payout 0.20
TSBK's Dividend Payout is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. TSBK: 0.20 )
TSBK' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.71
Current: 0.2

0.14
0.71
Yield on cost (5-Year) 1.70
TSBK's Yield on cost (5-Year) is ranked lower than
64% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. TSBK: 1.70 )
TSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.17   Max: 13.13
Current: 1.7

0.17
13.13
Share Buyback Rate -1.30
TSBK's Share Buyback Rate is ranked higher than
75% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. TSBK: -1.30 )
TSBK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.3
Current: -1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
TSBK's Price/Tangible Book is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. TSBK: 0.97 )
TSBK' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 1.86
Current: 0.97

0.46
1.86
Price/DCF (Projected) 0.48
TSBK's Price/DCF (Projected) is ranked higher than
92% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. TSBK: 0.48 )
TSBK' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 1.15
Current: 0.48

0.18
1.15
Price/Median PS Value 1.12
TSBK's Price/Median PS Value is ranked higher than
76% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. TSBK: 1.12 )
TSBK' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 3.73
Current: 1.12

0.42
3.73
Price/Graham Number 0.74
TSBK's Price/Graham Number is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. TSBK: 0.74 )
TSBK' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 1.16
Current: 0.74

0.46
1.16
Earnings Yield (Greenblatt) 18.70
TSBK's Earnings Yield (Greenblatt) is ranked higher than
94% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. TSBK: 18.70 )
TSBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 4451.4
Current: 18.7

0.4
4451.4
Forward Rate of Return (Yacktman) -3.11
TSBK's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. TSBK: -3.11 )
TSBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8.4   Max: 39.1
Current: -3.11

8.4
39.1

Analyst Estimate


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Sep15
Revenue(Mil)
EPS($) 0.79
EPS without NRI($) 0.79

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Timberland Bancorp, Inc., a Washington Corporation was organized on September 8, 1997 for the purpose of becoming the holding company for Timberland Savings Bank, SSB (Bank). On December 29, 2000, the Bank changed its name to Timberland Bank. The Bank is a community-oriented bank which has traditionally offered a variety of savings products to its retail customers while concentrating its lending activities on real estate mortgage loans. The Bank attracts deposits from the general public, and uses those funds, along with other borrowings, primarily to provide residential real estate, construction, commercial real estate, commercial business and consumer loans to borrowers primarily in western Washington and to a lesser extent, to invest in mortgage-backed securities and other investment securities. Its lending activities of the Company include origination of loans secured by real estate, including construction loans and land development, one- to four-family residential loans, multi-family loans, commercial real estate loans and land loans. The Bank originates adjustable-rate residential mortgage loans that do not qualify for sale in the secondary market under Federal Home Loan Mortgage Corporation guidelines. The Bank operates in an intensely competitive market for the attraction of deposits, generally its main source of lendable funds, and in the origination of loans. Its direct competition for deposits comes from large commercial banks, thrift institutions and credit unions in its main market area. The Bank, as a state-chartered savings bank, is subject to regulation and oversight by the Division and the applicable provisions of Washington law and regulations of the Division adopted thereunder.

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