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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 2.45
TSBK's Cash to Debt is ranked lower than
52% of the 1162 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. TSBK: 2.45 )
Ranked among companies with meaningful Cash to Debt only.
TSBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.60 Max: N/A
Current: 2.45
Equity to Asset 0.11
TSBK's Equity to Asset is ranked higher than
58% of the 1660 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 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 3.87
TSBK's Interest Coverage is ranked higher than
71% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. TSBK: 3.87 )
Ranked among companies with meaningful Interest Coverage only.
TSBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.16  Med: 1.09 Max: 3.21
Current: 3.87
0.16
3.21
F-Score: 6
M-Score: -2.30
WACC vs ROIC
4.37%
23.20%
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 (%) 38.15
TSBK's Operating margin (%) is ranked higher than
61% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.23 vs. TSBK: 38.15 )
Ranked among companies with meaningful Operating margin (%) only.
TSBK' s Operating margin (%) Range Over the Past 10 Years
Min: -12.32  Med: 21.06 Max: 38.81
Current: 38.15
-12.32
38.81
Net-margin (%) 25.30
TSBK's Net-margin (%) is ranked higher than
54% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.64 vs. TSBK: 25.30 )
Ranked among companies with meaningful Net-margin (%) only.
TSBK' s Net-margin (%) Range Over the Past 10 Years
Min: -7.31  Med: 13.07 Max: 26.41
Current: 25.3
-7.31
26.41
ROE (%) 11.26
TSBK's ROE (%) is ranked higher than
64% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.42 vs. TSBK: 11.26 )
Ranked among companies with meaningful ROE (%) only.
TSBK' s ROE (%) Range Over the Past 10 Years
Min: -3.86  Med: 4.92 Max: 10.61
Current: 11.26
-3.86
10.61
ROA (%) 1.23
TSBK's ROA (%) is ranked higher than
67% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. TSBK: 1.23 )
Ranked among companies with meaningful ROA (%) only.
TSBK' s ROA (%) Range Over the Past 10 Years
Min: -0.32  Med: 0.63 Max: 1.44
Current: 1.23
-0.32
1.44
Revenue Growth (3Y)(%) -0.10
TSBK's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. TSBK: -0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TSBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.65 Max: 28.1
Current: -0.1
0
28.1
EBITDA Growth (3Y)(%) 20.20
TSBK's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. TSBK: 20.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TSBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 10.10 Max: 63.5
Current: 20.2
0
63.5
EPS Growth (3Y)(%) 31.20
TSBK's EPS Growth (3Y)(%) is ranked higher than
85% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. TSBK: 31.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TSBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.35 Max: 443.8
Current: 31.2
0
443.8
» TSBK's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-28)


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

» Details

Guru Trades

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
Q3 2015

TSBK Guru Trades in Q3 2015

Jim Simons 159,600 sh (+3.03%)
Chuck Royce 444,200 sh (unchged)
» More
Q4 2015

TSBK Guru Trades in Q4 2015

Jim Simons 162,000 sh (+1.50%)
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) 9.80
TSBK's P/E(ttm) is ranked higher than
61% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. TSBK: 9.80 )
Ranked among companies with meaningful P/E(ttm) only.
TSBK' s P/E(ttm) Range Over the Past 10 Years
Min: 8.01  Med: 13.45 Max: 37.03
Current: 9.8
8.01
37.03
PE(NRI) 9.80
TSBK's PE(NRI) is ranked higher than
61% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. TSBK: 9.80 )
Ranked among companies with meaningful PE(NRI) only.
TSBK' s PE(NRI) Range Over the Past 10 Years
Min: 7.98  Med: 13.45 Max: 36.5
Current: 9.8
7.98
36.5
Price/Owner Earnings (ttm) 9.54
TSBK's Price/Owner Earnings (ttm) is ranked higher than
64% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. TSBK: 9.54 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
TSBK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.48  Med: 11.02 Max: 98.27
Current: 9.54
4.48
98.27
P/B 1.08
TSBK's P/B is ranked lower than
52% of the 1642 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. TSBK: 1.08 )
Ranked among companies with meaningful P/B only.
TSBK' s P/B Range Over the Past 10 Years
Min: 0.26  Med: 0.83 Max: 1.87
Current: 1.08
0.26
1.87
P/S 2.60
TSBK's P/S is ranked higher than
58% of the 1637 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. TSBK: 2.60 )
Ranked among companies with meaningful P/S only.
TSBK' s P/S Range Over the Past 10 Years
Min: 0.65  Med: 1.85 Max: 4.68
Current: 2.6
0.65
4.68
PFCF 10.50
TSBK's PFCF is ranked higher than
53% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.68 vs. TSBK: 10.50 )
Ranked among companies with meaningful PFCF only.
TSBK' s PFCF Range Over the Past 10 Years
Min: 1.83  Med: 6.13 Max: 30.17
Current: 10.5
1.83
30.17
POCF 9.79
TSBK's POCF is ranked lower than
53% of the 975 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. TSBK: 9.79 )
Ranked among companies with meaningful POCF only.
TSBK' s POCF Range Over the Past 10 Years
Min: 1.77  Med: 5.44 Max: 21.56
Current: 9.79
1.77
21.56
EV-to-EBIT 3.62
TSBK's EV-to-EBIT is ranked higher than
94% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.40 vs. TSBK: 3.62 )
Ranked among companies with meaningful EV-to-EBIT only.
TSBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -70.3  Med: 4.70 Max: 247.4
Current: 3.62
-70.3
247.4
EV-to-EBITDA 3.13
TSBK's EV-to-EBITDA is ranked higher than
94% of the 1507 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.24 vs. TSBK: 3.13 )
Ranked among companies with meaningful EV-to-EBITDA only.
TSBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -948  Med: 3.80 Max: 58.1
Current: 3.13
-948
58.1
Shiller P/E 24.32
TSBK's Shiller P/E is ranked lower than
73% of the 504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.22 vs. TSBK: 24.32 )
Ranked among companies with meaningful Shiller P/E only.
TSBK' s Shiller P/E Range Over the Past 10 Years
Min: 3.81  Med: 9.70 Max: 24.17
Current: 24.32
3.81
24.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.01
TSBK's Dividend Yield is ranked lower than
70% of the 2098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. TSBK: 2.01 )
Ranked among companies with meaningful Dividend Yield only.
TSBK' s Dividend Yield Range Over the Past 10 Years
Min: 0.17  Med: 2.11 Max: 13.13
Current: 2.01
0.17
13.13
Dividend Payout 0.20
TSBK's Dividend Payout is ranked higher than
76% of the 1273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. TSBK: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
TSBK' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.29 Max: 2.2
Current: 0.2
0.15
2.2
Forward Dividend Yield 2.32
TSBK's Forward Dividend Yield is ranked lower than
69% of the 1965 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.74 vs. TSBK: 2.32 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.01
TSBK's Yield on cost (5-Year) is ranked lower than
72% of the 2495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. TSBK: 2.01 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TSBK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.17  Med: 2.11 Max: 13.13
Current: 2.01
0.17
13.13
3-Year Average Share Buyback Ratio -1.40
TSBK's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. TSBK: -1.40 )
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: -1.4  Med: 3.10 Max: 0
Current: -1.4
-1.4
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
TSBK's Price/Tangible Book is ranked lower than
53% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. TSBK: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
TSBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 0.88 Max: 1.97
Current: 1.17
0.38
1.97
Price/Projected FCF 0.58
TSBK's Price/Projected FCF is ranked higher than
60% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. TSBK: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
TSBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.46 Max: 0.95
Current: 0.58
0.15
0.95
Price/Median PS Value 1.41
TSBK's Price/Median PS Value is ranked lower than
86% of the 1548 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. TSBK: 1.41 )
Ranked among companies with meaningful Price/Median PS Value only.
TSBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.38  Med: 1.54 Max: 7.24
Current: 1.41
0.38
7.24
Price/Graham Number 0.75
TSBK's Price/Graham Number is ranked higher than
59% of the 1461 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. TSBK: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
TSBK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.73 Max: 1.2
Current: 0.75
0.52
1.2
Earnings Yield (Greenblatt) (%) 27.60
TSBK's Earnings Yield (Greenblatt) (%) is ranked higher than
94% of the 1644 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. TSBK: 27.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TSBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 8.50 Max: 4451.4
Current: 27.6
0.4
4451.4
Forward Rate of Return (Yacktman) (%) -3.76
TSBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
84% of the 843 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.13 vs. TSBK: -3.76 )
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: 17.70 Max: 39.1
Current: -3.76
10
39.1

More Statistics

Revenue(Mil) $38
EPS $ 1.30
Beta0.25
Short Percentage of Float0.05%
52-Week Range $9.28 - 14.39
Shares Outstanding(Mil)6.99

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:FNWB, NAS:SIFI, ASX:MOC, NAS:ESSA, NAS:GCBC, ASX:ABA » 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.
» More Articles for TSBK

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