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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 4.52
NAS:TSBK's Cash-to-Debt is ranked higher than
62% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. NAS:TSBK: 4.52 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:TSBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.63 Max: N/A
Current: 4.52
Equity-to-Asset 0.11
NAS:TSBK's Equity-to-Asset is ranked higher than
59% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:TSBK: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:TSBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.32
Current: 0.11
0.11
0.32
Interest Coverage 4.07
NAS:TSBK's Interest Coverage is ranked higher than
76% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. NAS:TSBK: 4.07 )
Ranked among companies with meaningful Interest Coverage only.
NAS:TSBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.16  Med: 1.36 Max: 4.07
Current: 4.07
0.16
4.07
Piotroski F-Score: 6
Beneish M-Score: -2.24
WACC vs ROIC
7.20%
40.80%
WACC
ROIC
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 % 37.27
NAS:TSBK's Operating Margin % is ranked higher than
67% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. NAS:TSBK: 37.27 )
Ranked among companies with meaningful Operating Margin % only.
NAS:TSBK' s Operating Margin % Range Over the Past 10 Years
Min: -12.32  Med: 21.06 Max: 37.32
Current: 37.27
-12.32
37.32
Net Margin % 25.06
NAS:TSBK's Net Margin % is ranked higher than
61% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. NAS:TSBK: 25.06 )
Ranked among companies with meaningful Net Margin % only.
NAS:TSBK' s Net Margin % Range Over the Past 10 Years
Min: -7.31  Med: 13.07 Max: 25.41
Current: 25.06
-7.31
25.41
ROE % 11.36
NAS:TSBK's ROE % is ranked higher than
72% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. NAS:TSBK: 11.36 )
Ranked among companies with meaningful ROE % only.
NAS:TSBK' s ROE % Range Over the Past 10 Years
Min: -3.86  Med: 4.92 Max: 11.36
Current: 11.36
-3.86
11.36
ROA % 1.23
NAS:TSBK's ROA % is ranked higher than
75% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. NAS:TSBK: 1.23 )
Ranked among companies with meaningful ROA % only.
NAS:TSBK' s ROA % Range Over the Past 10 Years
Min: -0.32  Med: 0.63 Max: 1.34
Current: 1.23
-0.32
1.34
3-Year Revenue Growth Rate 3.90
NAS:TSBK's 3-Year Revenue Growth Rate is ranked higher than
51% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. NAS:TSBK: 3.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:TSBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.7 Max: 28
Current: 3.9
0
28
3-Year EBITDA Growth Rate 20.30
NAS:TSBK's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. NAS:TSBK: 20.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:TSBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 12.4 Max: 51
Current: 20.3
0
51
3-Year EPS without NRI Growth Rate 35.10
NAS:TSBK's 3-Year EPS without NRI Growth Rate is ranked higher than
89% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:TSBK: 35.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:TSBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.2 Max: 35.1
Current: 35.1
0
35.1
GuruFocus has detected 2 Warning Signs with Timberland Bancorp Inc $NAS:TSBK.
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» NAS:TSBK's 10-Y Financials

Financials (Next Earnings Date: 2017-04-23 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

TSBK Guru Trades in Q1 2016

Jim Simons 171,200 sh (+5.68%)
Chuck Royce 444,200 sh (unchged)
» More
Q2 2016

TSBK Guru Trades in Q2 2016

Jim Simons 184,200 sh (+7.59%)
Chuck Royce 444,200 sh (unchged)
» More
Q3 2016

TSBK Guru Trades in Q3 2016

Jim Simons 207,800 sh (+12.81%)
Chuck Royce 468,200 sh (+5.40%)
» More
Q4 2016

TSBK Guru Trades in Q4 2016

Chuck Royce 652,271 sh (+39.31%)
Jim Simons 255,800 sh (+23.10%)
» 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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:NAS:PROV, NAS:PBIP, NAS:OFED, NAS:MLVF, NAS:ESSA, NAS:RVSB, NAS:SIFI, NAS:LSBG, NAS:FNWB, NAS:FSBK, OTCBB:NWIN, NAS:GCBC, NAS:FCAP, NAS:HFBC, NAS:LSBK, NAS:MSBF, AMEX:BKJ, NAS:ICBK, NAS:KFFB, NAS:PBBI » details
Timberland Bancorp Inc is a holding company for Timberland Bank, which offers a variety of savings products to its retail customers while concentrating its lending activities on real estate mortgage loans.

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.

Ratios

vs
industry
vs
history
PE Ratio 14.15
TSBK's PE Ratio is ranked higher than
52% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. TSBK: 14.15 )
Ranked among companies with meaningful PE Ratio only.
TSBK' s PE Ratio Range Over the Past 10 Years
Min: 7.98  Med: 13.45 Max: 36.5
Current: 14.15
7.98
36.5
PE Ratio without NRI 14.15
TSBK's PE Ratio without NRI is ranked higher than
53% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. TSBK: 14.15 )
Ranked among companies with meaningful PE Ratio without NRI only.
TSBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.98  Med: 13.45 Max: 36.5
Current: 14.15
7.98
36.5
Price-to-Owner-Earnings 14.29
TSBK's Price-to-Owner-Earnings is ranked higher than
53% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. TSBK: 14.29 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
TSBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.48  Med: 10.78 Max: 98.27
Current: 14.29
4.48
98.27
PB Ratio 1.48
TSBK's PB Ratio is ranked lower than
66% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. TSBK: 1.48 )
Ranked among companies with meaningful PB Ratio only.
TSBK' s PB Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.83 Max: 1.87
Current: 1.48
0.26
1.87
PS Ratio 3.54
TSBK's PS Ratio is ranked lower than
52% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. TSBK: 3.54 )
Ranked among companies with meaningful PS Ratio only.
TSBK' s PS Ratio Range Over the Past 10 Years
Min: 0.65  Med: 1.87 Max: 4.68
Current: 3.54
0.65
4.68
Price-to-Free-Cash-Flow 16.34
TSBK's Price-to-Free-Cash-Flow is ranked lower than
63% of the 854 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.08 vs. TSBK: 16.34 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
TSBK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.83  Med: 6.13 Max: 30.17
Current: 16.34
1.83
30.17
Price-to-Operating-Cash-Flow 12.89
TSBK's Price-to-Operating-Cash-Flow is ranked lower than
56% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. TSBK: 12.89 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TSBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.77  Med: 5.45 Max: 21.56
Current: 12.89
1.77
21.56
EV-to-EBIT 3.20
TSBK's EV-to-EBIT is ranked higher than
88% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. TSBK: 3.20 )
Ranked among companies with meaningful EV-to-EBIT only.
TSBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -70.3  Med: 3.9 Max: 247.4
Current: 3.2
-70.3
247.4
EV-to-EBITDA 2.89
TSBK's EV-to-EBITDA is ranked higher than
88% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. TSBK: 2.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
TSBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -948  Med: 3.1 Max: 58.1
Current: 2.89
-948
58.1
PEG Ratio 0.42
TSBK's PEG Ratio is ranked higher than
87% of the 767 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. TSBK: 0.42 )
Ranked among companies with meaningful PEG Ratio only.
TSBK' s PEG Ratio Range Over the Past 10 Years
Min: 0.22  Med: 1.31 Max: 3.53
Current: 0.42
0.22
3.53
Shiller PE Ratio 35.34
TSBK's Shiller PE Ratio is ranked lower than
80% of the 488 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.69 vs. TSBK: 35.34 )
Ranked among companies with meaningful Shiller PE Ratio only.
TSBK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.81  Med: 12.29 Max: 36.68
Current: 35.34
3.81
36.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.73
TSBK's Dividend Yield % is ranked lower than
71% of the 2308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. TSBK: 1.73 )
Ranked among companies with meaningful Dividend Yield % only.
TSBK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.17  Med: 2.03 Max: 13.13
Current: 1.73
0.17
13.13
Dividend Payout Ratio 0.23
TSBK's Dividend Payout Ratio is ranked higher than
71% of the 1308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. TSBK: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
TSBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.21 Max: 0.71
Current: 0.23
0.16
0.71
3-Year Dividend Growth Rate 52.60
TSBK's 3-Year Dividend Growth Rate is ranked higher than
94% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. TSBK: 52.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
TSBK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 9.7 Max: 52.6
Current: 52.6
0
52.6
Forward Dividend Yield % 2.06
TSBK's Forward Dividend Yield % is ranked lower than
67% of the 2276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.87 vs. TSBK: 2.06 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.73
TSBK's 5-Year Yield-on-Cost % is ranked lower than
76% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. TSBK: 1.73 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TSBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.17  Med: 2.03 Max: 13.13
Current: 1.73
0.17
13.13
3-Year Average Share Buyback Ratio 0.50
TSBK's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. TSBK: 0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TSBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.5  Med: 0.7 Max: 0
Current: 0.5
-0.5
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.61
TSBK's Price-to-Tangible-Book is ranked lower than
66% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. TSBK: 1.61 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TSBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.38  Med: 0.92 Max: 1.97
Current: 1.61
0.38
1.97
Price-to-Intrinsic-Value-Projected-FCF 0.89
TSBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
56% of the 895 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. TSBK: 0.89 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
TSBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.47 Max: 1.17
Current: 0.89
0.1
1.17
Price-to-Median-PS-Value 1.90
TSBK's Price-to-Median-PS-Value is ranked lower than
90% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. TSBK: 1.90 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TSBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.38  Med: 1.51 Max: 7.17
Current: 1.9
0.38
7.17
Price-to-Peter-Lynch-Fair-Value 0.57
TSBK's Price-to-Peter-Lynch-Fair-Value is ranked higher than
85% of the 437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. TSBK: 0.57 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
TSBK' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.36  Med: 1.38 Max: 3.39
Current: 0.57
0.36
3.39
Price-to-Graham-Number 1.01
TSBK's Price-to-Graham-Number is ranked lower than
52% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. TSBK: 1.01 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TSBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.52  Med: 0.73 Max: 1.2
Current: 1.01
0.52
1.2
Earnings Yield (Greenblatt) % 31.11
TSBK's Earnings Yield (Greenblatt) % is ranked higher than
90% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 vs. TSBK: 31.11 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TSBK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 18.1 Max: 4451.4
Current: 31.11
0.4
4451.4
Forward Rate of Return (Yacktman) % 40.66
TSBK's Forward Rate of Return (Yacktman) % is ranked higher than
90% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. TSBK: 40.66 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
TSBK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 10  Med: 20.8 Max: 51.6
Current: 40.66
10
51.6

More Statistics

Revenue (TTM) (Mil) $42.99
EPS (TTM) $ 1.51
Beta0.62
Short Percentage of Float0.13%
52-Week Range $12.31 - 22.75
Shares Outstanding (Mil)7.35
» More Articles for TSBK

Headlines

Articles On GuruFocus.com
A Unique 7-Pronged Approach to Screening Stocks Jan 19 2016 
A Unique 7-Pronged Approach to Screening Stocks Dec 18 2015 
50 Stocks with Fastest Dividend Growth in January 2013 Jan 30 2013 
Timberland Bancorp Inc. Reports Operating Results (10-Q) Feb 07 2011 
Timberland Bancorp Inc. Reports Operating Results (10-K) Dec 10 2010 
Opportunities in Micro Cap Financials Nov 26 2010 
Timberland Bancorp Inc. Reports Operating Results (10-Q) May 06 2010 
Timberland Bancorp Inc. Reports Operating Results (10-Q) Feb 05 2010 
Timberland Bancorp Inc. Reports Operating Results (10-K) Dec 14 2009 
Timberland Bancorp Inc. Reports Operating Results (10-Q) Aug 10 2009 

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