TSBK (Timberland Bancorp) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Timberland Bancorp LT-Debt-to-Total-Asset?

Timberland Bancorp TSBK -1.52% 68 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates TSBK with a GF Score™ of 68/100 and a GF Value™ of $35.46 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Timberland Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Timberland Bancorp's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.01) to Mar. 2026 (0.01).

Timberland Bancorp (NAS:TSBK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Timberland Bancorp LT-Debt-to-Total-Asset Related Terms

Timberland Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Timberland Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Timberland Bancorp Annual Data

Trend

Sep16

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Sep21

Sep22

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Sep25

LT-Debt-to-Total-Asset

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0.00

0.02

0.01

Timberland Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.01	0.01	0.01	0.01

68GF Score

Timberland Bancorp Inc TSBK

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Timberland Bancorp LT-Debt-to-Total-Asset Calculation

Timberland Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Sep. 2025 is calculated as

LT Debt to Total Assets (A: Sep. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Sep. 2025 )	/	Total Assets (A: Sep. 2025 )
	=	23.077	/	2012.779
	=	0.01

Timberland Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	22.937	/	2046.386
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Timberland Bancorp (TSBK) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Timberland Bancorp and its competitors.

Is Timberland Bancorp's LT-Debt-to-Total-Asset too high?

Timberland Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to NWFL and CZFS?

Timberland Bancorp's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Timberland Bancorp and its competitors. Timberland Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 $35.46, compared to a current price of $44.67 — trading 26% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current LT-Debt-to-Total-Asset is 0.01 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 $44.67 is trading 26% above its estimated GF Value™ of $35.46. GuruFocus considers Timberland Bancorp to be Modestly Overvalued.

Key valuation signals for TSBK:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $35.46 vs. price of $44.67 (26% above fair value)
GF Score™: 68/100 with 7 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies NWFL CZFS BCML AVBH CHMG WSBF BFCC USCB MVBF COSO SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 624 Simpson Avenue, Hoquiam, WA, USA, 98550

Website https://www.timberlandbank.com

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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$44.67

Price

$35.46

GF Value

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