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Timberland Bancorp (NAS:TSBK) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Timberland Bancorp Effective Interest Rate on Debt % Related Terms
Timberland Bancorp Effective Interest Rate on Debt % Historical Data
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The historical data trend for Timberland Bancorp's Effective Interest Rate on Debt % 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.
Timberland Bancorp Effective Interest Rate on Debt % Chart
TSBK vs NWFL, CZFS, BCML: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Timberland Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 134.24% mean?
Timberland Bancorp (TSBK) has a Effective Interest Rate on Debt % of 134.24% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Timberland Bancorp and its competitors.
Is Timberland Bancorp's Effective Interest Rate on Debt % too high?
Timberland Bancorp's current Effective Interest Rate on Debt % is 134.24%. Overall, Timberland Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Timberland Bancorp's Effective Interest Rate on Debt % compare to NWFL and CZFS?
Timberland Bancorp's Effective Interest Rate on Debt % of 134.24% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Timberland Bancorp and its competitors. Timberland Bancorp's current Effective Interest Rate on Debt % is 134.24%. 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 $35.55, compared to a current price of $43.32 — trading 21.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 134.24%. Timberland Bancorp's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current Effective Interest Rate on Debt % is 134.24% 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 $43.32 is trading 21.9% above its estimated GF Value™ of $35.55.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
Effective Interest Rate on Debt %: 134.24%
GF Value™: $35.55 vs. price of $43.32 (21.9% above fair value)
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.
67GF Score
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