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Timberland BancorpTSBK +0.02%68 Debt-to-Equity is 0.09 as of Mar. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates TSBK with a GF Score™ of 68/100 and a GF Value™ of $35.70 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,422 Banks companies, Timberland Bancorp ranks better than 94.23% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Timberland Bancorp's Debt-to-Equity or its related term are showing as below:
TSBK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.08 Max: 0.48
Current: 0.05
During the past 13 years, the highest Debt-to-Equity Ratio of Timberland Bancorp was 0.48. The lowest was 0.01. And the median was 0.08.
TSBK's Debt-to-Equity is ranked better than 94.23% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs TSBK: 0.05
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Timberland Bancorp Debt-to-Equity Related Terms
Timberland Bancorp Debt-to-Equity Historical Data
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The historical data trend for Timberland Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TSBK vs MSBC, BCML, MFGI: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Timberland Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Timberland Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Timberland Bancorp (TSBK) has a Debt-to-Equity of 0.09 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Timberland Bancorp and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, Timberland Bancorp's Debt-to-Equity has ranged from 0.01 to 0.48. According to the industry distribution chart, Timberland Bancorp ranks #82 out of 1422 companies in the Banks industry, placing it in the top 5.8%.
Is Timberland Bancorp's Debt-to-Equity too high?
Timberland Bancorp's current Debt-to-Equity of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.48. The Banks industry median Debt-to-Equity is 0.58. Timberland Bancorp's value of 0.09 is 84.3% below this industry median. Based on the distribution chart, Timberland Bancorp ranks #82 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Timberland Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Timberland Bancorp's Debt-to-Equity compare to MSBC and BCML?
According to the Banks industry distribution chart, Timberland Bancorp ranks #82 out of 1422 companies for Debt-to-Equity. This places Timberland Bancorp in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Timberland Bancorp's value of 0.09 is 84.3% below this benchmark. Historically, Timberland Bancorp's own Debt-to-Equity has ranged from 0.01 to 0.48 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.58, Timberland Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current Debt-to-Equity of 0.09 is 84.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current Debt-to-Equity is 0.09, which is 13% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Timberland Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Timberland Bancorp (TSBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.70, compared to a current price of $44.85 — trading 25.6% above its estimated fair value. The current Debt-to-Equity is 0.09, which is 13% above median its 10-year median of 0.08 and 84.3% below the Banks industry median of 0.58. Timberland Bancorp's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current Debt-to-Equity is 0.09 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Timberland Bancorp (TSBK) Overvalued in 2026?
Based on GuruFocus' analysis, Timberland Bancorp stock appears to be overvalued.
The current stock price of $44.85 is trading 25.6% above its estimated GF Value™ of $35.70.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
Debt-to-Equity: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $35.70 vs. price of $44.85 (25.6% above fair value)
Industry Position: 84.3% below the Banks median (#82 of 1422)
No single metric tells the full story. See the TSBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Timberland Bancorp Inc is a bank holding company for Timberland Bank. The bank offers banking services including personal checking and savings accounts, debit cards, health savings accounts, online and mobile banking, online bill pay, 24-hour phone banking, and Zelle. Business services include business checking accounts, online banking, remote deposit, ACH transactions, Autobooks, and insured cash sweep services. The bank also provides lending services such as personal credit cards, home loans, home equity borrowing, construction loans, and SBA loans. In addition, it offers loans to real estate, including residential and commercial real estate, multi-family construction loans, one- to four-family residential loans, multi-family loans, commercial real estate loans, and land loans.
68GF Score
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