Timberland BancorpTSBK -0.85%68 FCF Margin % is 31.12% as of Mar. 2026, which is 18% below its 10-year median of 37.88. GuruFocus rates TSBK with a GF Score™ of 68/100 and a GF Value™ of $35.40 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,504 Banks companies, Timberland Bancorp ranks better than 67.82% on this metric.
The historical rank and industry rank for Timberland Bancorp's FCF Margin % or its related term are showing as below:
TSBK'
s FCF Margin % Range Over the Past 10 Years
Min: 23.05 Med: 37.88 Max: 48.95
Current: 38.79
During the past 13 years, the highest FCF Margin % of Timberland Bancorp was 48.95%. The lowest was 23.05%. And the median was 37.88%.
TSBK's FCF Margin % is ranked better than 67.82% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs TSBK: 38.79
Timberland Bancorp FCF Margin % Related Terms
Timberland Bancorp FCF Margin % Historical Data
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The historical data trend for Timberland Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's FCF Margin % 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 FCF Margin % of 31.12% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Timberland Bancorp and its competitors. This is 18% below median its historical median of 37.88. Over the past decade, Timberland Bancorp's FCF Margin % has ranged from 23.05 to 48.95. According to the industry distribution chart, Timberland Bancorp ranks #484 out of 1504 companies in the Banks industry, placing it in the top 32.2%.
Is Timberland Bancorp's FCF Margin % too high?
Timberland Bancorp's current FCF Margin % of 31.12% is 18% below median its 10-year median of 37.88. Over the past 10 years, this metric has ranged from a low of 23.05 to a high of 48.95. The Banks industry median FCF Margin % is 26.50. Timberland Bancorp's value of 31.12% is 17.4% above this industry median. Based on the distribution chart, Timberland Bancorp ranks #484 out of 1504 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to CZFS and MFGI?
According to the Banks industry distribution chart, Timberland Bancorp ranks #484 out of 1504 companies for FCF Margin %. This puts Timberland Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. Timberland Bancorp's value of 31.12% is 17.4% above this benchmark. Historically, Timberland Bancorp's own FCF Margin % has ranged from 23.05 to 48.95 over the past decade. While the company's 10-year median is 37.88 vs. the industry median of 26.50, Timberland Bancorp has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current FCF Margin % of 31.12% is 17.4% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current FCF Margin % is 31.12%, which is 18% below median its own 10-year median of 37.88. 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 $35.40, compared to a current price of $44.33 — trading 25.2% above its estimated fair value. The current FCF Margin % is 31.12%, which is 18% below median its 10-year median of 37.88 and 17.4% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current FCF Margin % is 31.12% 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 $44.33 is trading 25.2% above its estimated GF Value™ of $35.40.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
FCF Margin %: 31.12% (18% below median its 10-year median of 37.88)
GF Value™: $35.40 vs. price of $44.33 (25.2% above fair value)
Industry Position: 17.4% above the Banks median (#484 of 1504)
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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