Timberland Bancorp Inc is a bank holding company. The bank offers a variety of services such as checking accounts, online and mobile banking, savings accounts, home loans, consumer loans, construction loans, business rewards, cash management, small business solutions, and business checking accounts among others. Company also offers loans to real estate, including residential and commercial / multi-family construction loans, one- to four-family residential loans, multi-family loans, commercial real estate loans and land loans. The company mainly operates in the United States.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	7.82
Equity-to-Asset	0.13
Debt-to-Equity	0.09
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-5.39	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.9
	3-Year EPS without NRI Growth Rate	4.6
	3-Year FCF Growth Rate	-1.4
	3-Year Book Growth Rate	8.4

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	51.86
	9-Day RSI	50.17
	14-Day RSI	48.28
	6-1 Month Momentum %	-7.89
	12-1 Month Momentum %	-1.04

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.68
	Dividend Payout Ratio	0.29
	3-Year Dividend Growth Rate	6.7
	Forward Dividend Yield %	3.8
	5-Year Yield-on-Cost %	6.85
	3-Year Average Share Buyback Ratio	0.8
	Shareholder Yield %	-2.38

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	35.05
	FCF Margin %	34.07
	ROE %	11.25
	ROA %	1.41
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.02
	PE Ratio without NRI	8.02
	Shiller PE Ratio	9.38
	Price-to-Owner-Earnings	7.66
	PEG Ratio	0.75
	PS Ratio	2.8
	PB Ratio	0.86
	Price-to-Tangible-Book	0.93
	Price-to-Free-Cash-Flow	8.23
	Price-to-Operating-Cash-Flow	7.84
	EV-to-Revenue	0.73
	EV-to-FCF	2.14
	Price-to-Projected-FCF	0.42
	Price-to-DCF (Earnings Based)	0.28
	Price-to-DCF (FCF Based)	0.39
	Price-to-Median-PS-Value	0.8
	Price-to-Peter-Lynch-Fair-Value	0.89
	Price-to-Graham-Number	0.58
	FCF Yield %	12.43
	Forward Rate of Return (Yacktman) %	21.33

GF Value: $32.61

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