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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 1.69
TSBK's Cash to Debt is ranked higher than
53% of the 983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.38 vs. TSBK: 1.69 )
Ranked among companies with meaningful Cash to Debt only.
TSBK' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.60 Max: N/A
Current: 1.69
Equity to Asset 0.11
TSBK's Equity to Asset is ranked higher than
58% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. TSBK: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
TSBK' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.13 Max: 0.32
Current: 0.11
0.11
0.32
Interest Coverage 2.20
TSBK's Interest Coverage is ranked higher than
59% of the 1269 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. TSBK: 2.20 )
Ranked among companies with meaningful Interest Coverage only.
TSBK' s 10-Year Interest Coverage Range
Min: 0.16  Med: 1.01 Max: 2.2
Current: 2.2
0.16
2.2
F-Score: 5
WACC vs ROIC
4.71%
12.42%
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 (%) 28.93
TSBK's Operating margin (%) is ranked lower than
54% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.31 vs. TSBK: 28.93 )
Ranked among companies with meaningful Operating margin (%) only.
TSBK' s 10-Year Operating margin (%) Range
Min: -207.75  Med: 33.92 Max: 53.7
Current: 28.93
-207.75
53.7
Net-margin (%) 19.45
TSBK's Net-margin (%) is ranked lower than
59% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.02 vs. TSBK: 19.45 )
Ranked among companies with meaningful Net-margin (%) only.
TSBK' s 10-Year Net-margin (%) Range
Min: -7.31  Med: 23.46 Max: 181.71
Current: 19.45
-7.31
181.71
ROE (%) 8.29
TSBK's ROE (%) is ranked lower than
51% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. TSBK: 8.29 )
Ranked among companies with meaningful ROE (%) only.
TSBK' s 10-Year ROE (%) Range
Min: -3.86  Med: 7.43 Max: 10.61
Current: 8.29
-3.86
10.61
ROA (%) 0.92
TSBK's ROA (%) is ranked higher than
54% of the 1432 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. TSBK: 0.92 )
Ranked among companies with meaningful ROA (%) only.
TSBK' s 10-Year ROA (%) Range
Min: -0.32  Med: 1.31 Max: 2.14
Current: 0.92
-0.32
2.14
Revenue Growth (3Y)(%) -1.00
TSBK's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. TSBK: -1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TSBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.70 Max: 28
Current: -1
0
28
EBITDA Growth (3Y)(%) 51.00
TSBK's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. TSBK: 51.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TSBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 4.40 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

Q3 2014

TSBK Guru Trades in Q3 2014

Jim Simons 139,200 sh (+4.74%)
Chuck Royce 444,200 sh (unchged)
» More
Q4 2014

TSBK Guru Trades in Q4 2014

Jim Simons 147,400 sh (+5.89%)
Chuck Royce 444,200 sh (unchged)
Chuck Royce 444,200 sh (unchged)
» More
Q1 2015

TSBK Guru Trades in Q1 2015

Jim Simons 153,100 sh (+3.87%)
Chuck Royce 444,200 sh (unchged)
» More
Q2 2015

TSBK Guru Trades in Q2 2015

Jim Simons 154,900 sh (+1.18%)
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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 10.39
TSBK's P/E(ttm) is ranked higher than
66% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. TSBK: 10.39 )
Ranked among companies with meaningful P/E(ttm) only.
TSBK' s 10-Year P/E(ttm) Range
Min: 8.01  Med: 14.09 Max: 37.03
Current: 10.39
8.01
37.03
Forward P/E 13.23
TSBK's Forward P/E is ranked lower than
65% of the 718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.82 vs. TSBK: 13.23 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.80
TSBK's PE(NRI) is ranked higher than
65% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. TSBK: 10.80 )
Ranked among companies with meaningful PE(NRI) only.
TSBK' s 10-Year PE(NRI) Range
Min: 7.98  Med: 14.02 Max: 36.5
Current: 10.8
7.98
36.5
P/B 0.84
TSBK's P/B is ranked higher than
67% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. TSBK: 0.84 )
Ranked among companies with meaningful P/B only.
TSBK' s 10-Year P/B Range
Min: 0.26  Med: 0.83 Max: 1.87
Current: 0.84
0.26
1.87
P/S 2.04
TSBK's P/S is ranked higher than
70% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. TSBK: 2.04 )
Ranked among companies with meaningful P/S only.
TSBK' s 10-Year P/S Range
Min: 0.65  Med: 1.89 Max: 4.66
Current: 2.04
0.65
4.66
PFCF 11.88
TSBK's PFCF is ranked lower than
57% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.85 vs. TSBK: 11.88 )
Ranked among companies with meaningful PFCF only.
TSBK' s 10-Year PFCF Range
Min: 1.82  Med: 6.15 Max: 29.71
Current: 11.88
1.82
29.71
POCF 10.69
TSBK's POCF is ranked lower than
60% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.17 vs. TSBK: 10.69 )
Ranked among companies with meaningful POCF only.
TSBK' s 10-Year POCF Range
Min: 1.78  Med: 5.46 Max: 21.58
Current: 10.69
1.78
21.58
EV-to-EBIT 4.03
TSBK's EV-to-EBIT is ranked higher than
93% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. TSBK: 4.03 )
Ranked among companies with meaningful EV-to-EBIT only.
TSBK' s 10-Year EV-to-EBIT Range
Min: -70.4  Med: 6.10 Max: 247.4
Current: 4.03
-70.4
247.4
Shiller P/E 29.89
TSBK's Shiller P/E is ranked lower than
86% of the 784 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.97 vs. TSBK: 29.89 )
Ranked among companies with meaningful Shiller P/E only.
TSBK' s 10-Year Shiller P/E Range
Min: 3.68  Med: 14.75 Max: 74.67
Current: 29.89
3.68
74.67
Days Sales Outstanding 21.67
TSBK's Days Sales Outstanding is ranked higher than
76% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. TSBK: 21.67 )
Ranked among companies with meaningful Days Sales Outstanding only.
TSBK' s 10-Year Days Sales Outstanding Range
Min: 19.96  Med: 30.64 Max: 226.53
Current: 21.67
19.96
226.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.32
TSBK's Dividend Yield is ranked lower than
61% of the 2262 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. TSBK: 2.32 )
Ranked among companies with meaningful Dividend Yield only.
TSBK' s 10-Year Dividend Yield Range
Min: 0.17  Med: 2.31 Max: 13.13
Current: 2.32
0.17
13.13
Dividend Payout 0.22
TSBK's Dividend Payout is ranked higher than
71% of the 1321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. TSBK: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
TSBK' s 10-Year Dividend Payout Range
Min: 0.15  Med: 0.29 Max: 2.2
Current: 0.22
0.15
2.2
Yield on cost (5-Year) 2.32
TSBK's Yield on cost (5-Year) is ranked lower than
66% of the 2265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. TSBK: 2.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.17  Med: 2.31 Max: 13.13
Current: 2.32
0.17
13.13
Share Buyback Rate -1.30
TSBK's Share Buyback Rate is ranked higher than
55% of the 1012 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. TSBK: -1.30 )
Ranked among companies with meaningful Share Buyback Rate only.
TSBK' s 10-Year Share Buyback Rate Range
Min: 0  Med: 3.10 Max: -1.3
Current: -1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.91
TSBK's Price/Tangible Book is ranked higher than
65% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. TSBK: 0.91 )
Ranked among companies with meaningful Price/Tangible Book only.
TSBK' s 10-Year Price/Tangible Book Range
Min: 0.38  Med: 0.87 Max: 1.97
Current: 0.91
0.38
1.97
Price/Projected FCF 0.47
TSBK's Price/Projected FCF is ranked higher than
72% of the 806 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. TSBK: 0.47 )
Ranked among companies with meaningful Price/Projected FCF only.
TSBK' s 10-Year Price/Projected FCF Range
Min: 0.15  Med: 0.46 Max: 1.15
Current: 0.47
0.15
1.15
Price/Median PS Value 1.08
TSBK's Price/Median PS Value is ranked lower than
60% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. TSBK: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
TSBK' s 10-Year Price/Median PS Value Range
Min: 0.38  Med: 1.54 Max: 7.24
Current: 1.08
0.38
7.24
Price/Graham Number 0.65
TSBK's Price/Graham Number is ranked higher than
67% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. TSBK: 0.65 )
Ranked among companies with meaningful Price/Graham Number only.
TSBK' s 10-Year Price/Graham Number Range
Min: 0.45  Med: 0.72 Max: 1.21
Current: 0.65
0.45
1.21
Earnings Yield (Greenblatt) (%) 24.83
TSBK's Earnings Yield (Greenblatt) (%) is ranked higher than
94% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. TSBK: 24.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TSBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.4  Med: 7.40 Max: 4451.4
Current: 24.83
0.4
4451.4
Forward Rate of Return (Yacktman) (%) -3.06
TSBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 785 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. TSBK: -3.06 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TSBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 8.6  Med: 17.30 Max: 39.1
Current: -3.06
8.6
39.1

Analyst Estimate

Sep15
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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Headlines

Articles On GuruFocus.com
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 
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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 
Timberland Bancorp Inc. Reports Operating Results (10-Q) May 11 2009 
Financial Insiders Continue Buying Spree: Financial Institutions Inc., Hampton Roads Bankshares, GLG Feb 28 2009 

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