Timberland BancorpTSBK -1.30%68 PB Ratio is 1.28 as of Jun. 26, 2026, which is 12% above its 10-year median of 1.14. 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 1,515 Banks companies, Timberland Bancorp ranks worse than 65.81% on this metric.
Timberland Bancorp Inc stock PB Ratio (=1.29) is close to 5-year high of 1.31.
The historical rank and industry rank for Timberland Bancorp's PB Ratio or its related term are showing as below:
TSBK'
s PB Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.14 Max: 2.38
Current: 1.28
During the past 13 years, Timberland Bancorp's highest PB Ratio was 2.38. The lowest was 0.69. And the median was 1.14.
TSBK's PB Ratio is ranked worse than 65.81% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs TSBK: 1.28
During the past 12 months, Timberland Bancorp's average Book Value Per Share Growth Rate was 8.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Timberland Bancorp was 59.40% per year. The lowest was -2.70% per year. And the median was 7.70% per year.
Back to Basics: PB Ratio
Timberland Bancorp (NAS:TSBK) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Timberland Bancorp PB Ratio Related Terms
Timberland Bancorp PB Ratio Historical Data
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The historical data trend for Timberland Bancorp's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Timberland Bancorp (TSBK) has a PB Ratio of 1.28 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Timberland Bancorp and its competitors. This is 12% above median its historical median of 1.14. Over the past decade, Timberland Bancorp's PB Ratio has ranged from 0.69 to 2.38. According to the industry distribution chart, Timberland Bancorp ranks #997 out of 1515 companies in the Banks industry, placing it in the top 65.8%.
Is Timberland Bancorp's PB Ratio too high?
Timberland Bancorp's current PB Ratio of 1.28 is 12% above median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 2.38. The Banks industry median PB Ratio is 1.08. Timberland Bancorp's value of 1.28 is 18.5% above this industry median. Based on the distribution chart, Timberland Bancorp ranks #997 out of 1515 companies in the Banks industry, which is below 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 PB Ratio compare to CZFS and MFGI?
According to the Banks industry distribution chart, Timberland Bancorp ranks #997 out of 1515 companies for PB Ratio. This places Timberland Bancorp in the lower half of its industry. The industry median PB Ratio is 1.08. Timberland Bancorp's value of 1.28 is 18.5% above this benchmark. Historically, Timberland Bancorp's own PB Ratio has ranged from 0.69 to 2.38 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current PB Ratio of 1.28 is 18.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current PB Ratio is 1.28, which is 12% above median its own 10-year median of 1.14. 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 $44.13 — trading 24.7% above its estimated fair value. The current PB Ratio is 1.28, which is 12% above median its 10-year median of 1.14 and 18.5% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current PB Ratio is 1.28 as of Jun. 26, 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 $44.13 is trading 24.7% above its estimated GF Value™ of $35.40.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
PB Ratio: 1.28 (12% above median its 10-year median of 1.14)
GF Value™: $35.40 vs. price of $44.13 (24.7% above fair value)
Industry Position: 18.5% above the Banks median (#997 of 1515)
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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