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Timberland BancorpTSBK 67 EV-to-FCF is 1.94 as of Jul. 15, 2026, which is 75% above its 10-year median of 1.11. GuruFocus rates TSBK with a GF Score™ of 67/100 and a GF Value™ of $35.56 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,196 Banks companies, Timberland Bancorp ranks better than 70.99% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Timberland Bancorp's Enterprise Value is $61.32 Mil.
Timberland Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $31.66 Mil. Therefore, Timberland Bancorp's EV-to-FCF for today is 1.94.
The historical rank and industry rank for Timberland Bancorp's EV-to-FCF or its related term are showing as below:
TSBK'
s EV-to-FCF Range Over the Past 10 Years
Min: -12.98 Med: 1.11 Max: 8.34
Current: 1.94
During the past 13 years, the highest EV-to-FCF of Timberland Bancorp was 8.34. The lowest was -12.98. And the median was 1.11.
TSBK's EV-to-FCF is ranked better than 70.99% of 1196
companies
in the Banks industry
Industry Median: 6.575
vs TSBK: 1.94
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Timberland Bancorp's PE Ratio (TTM) for today is calculated as:
Timberland Bancorp's share price for today is $43.31.
Timberland Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.910.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Timberland Bancorp EV-to-FCF Related Terms
Timberland Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Timberland Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Timberland Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's EV-to-FCF falls into.
Timberland Bancorp's current Enterprise Value is $61.32 Mil.
Timberland Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $31.66 Mil.
* 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 EV-to-FCF of 1.94 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Timberland Bancorp and its competitors. This is 75% above median its historical median of 1.11. According to the industry distribution chart, Timberland Bancorp ranks #347 out of 1196 companies in the Banks industry, placing it in the top 29%.
Is Timberland Bancorp's EV-to-FCF too high?
Timberland Bancorp's current EV-to-FCF of 1.94 is 75% above median its 10-year median of 1.11. The Banks industry median EV-to-FCF is 6.58. Timberland Bancorp's value of 1.94 is 70.5% below this industry median. Based on the distribution chart, Timberland Bancorp ranks #347 out of 1196 companies in the Banks industry, which is above the industry midpoint. 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 EV-to-FCF compare to NWFL and CZFS?
According to the Banks industry distribution chart, Timberland Bancorp ranks #347 out of 1196 companies for EV-to-FCF. This puts Timberland Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.58. Timberland Bancorp's value of 1.94 is 70.5% below this benchmark. While the company's 10-year median is 1.11 vs. the industry median of 6.58, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.58, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current EV-to-FCF of 1.94 is 70.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current EV-to-FCF is 1.94, which is 75% above median its own 10-year median of 1.11. 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 $35.56, compared to a current price of $43.31 — trading 21.8% above its estimated fair value. The current EV-to-FCF is 1.94, which is 75% above median its 10-year median of 1.11 and 70.5% below the Banks industry median of 6.58. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current EV-to-FCF is 1.94 as of Jul. 15, 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 $43.31 is trading 21.8% above its estimated GF Value™ of $35.56.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
EV-to-FCF: 1.94 (75% above median its 10-year median of 1.11)
GF Value™: $35.56 vs. price of $43.31 (21.8% above fair value)
Industry Position: 70.5% below the Banks median (#347 of 1196)
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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