Timberland BancorpTSBK -1.52%68 Return-on-Tangible-Equity is 11.24% as of Mar. 2026, which is 19% below its 10-year median of 13.88. GuruFocus rates TSBK with a GF Score™ of 68/100 and a GF Value™ of $35.48 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Timberland Bancorp ranks better than 57.91% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Timberland Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $28.52 Mil. Timberland Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $253.74 Mil. Therefore, Timberland Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.24%.
The historical rank and industry rank for Timberland Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
TSBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.95 Med: 13.88 Max: 17.89
Current: 12.56
During the past 13 years, Timberland Bancorp's highest Return-on-Tangible-Equity was 17.89%. The lowest was 10.95%. And the median was 13.88%.
TSBK's Return-on-Tangible-Equity is ranked better than 57.91% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs TSBK: 12.56
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Timberland Bancorp Return-on-Tangible-Equity Related Terms
Timberland Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Timberland Bancorp's Return-on-Tangible-Equity 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.
TSBK vs NWFL, CZFS, BCML: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Timberland Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.24% mean?
Timberland Bancorp (TSBK) has a Return-on-Tangible-Equity of 11.24% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Timberland Bancorp and its competitors. This is 19% below median its historical median of 13.88. Over the past decade, Timberland Bancorp's Return-on-Tangible-Equity has ranged from 10.95 to 17.89. According to the industry distribution chart, Timberland Bancorp ranks #641 out of 1523 companies in the Banks industry, placing it in the top 42.1%.
Is Timberland Bancorp's Return-on-Tangible-Equity too high?
Timberland Bancorp's current Return-on-Tangible-Equity of 11.24% is 19% below median its 10-year median of 13.88. Over the past 10 years, this metric has ranged from a low of 10.95 to a high of 17.89. The Banks industry median Return-on-Tangible-Equity is 11.20. Timberland Bancorp's value of 11.24% is 0.4% above this industry median. Based on the distribution chart, Timberland Bancorp ranks #641 out of 1523 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 Return-on-Tangible-Equity compare to NWFL and CZFS?
According to the Banks industry distribution chart, Timberland Bancorp ranks #641 out of 1523 companies for Return-on-Tangible-Equity. This puts Timberland Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Timberland Bancorp's value of 11.24% is 0.4% above this benchmark. Historically, Timberland Bancorp's own Return-on-Tangible-Equity has ranged from 10.95 to 17.89 over the past decade. While the company's 10-year median is 13.88 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current Return-on-Tangible-Equity of 11.24% is 0.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current Return-on-Tangible-Equity is 11.24%, which is 19% below median its own 10-year median of 13.88. 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 $35.48, compared to a current price of $44.59 — trading 25.7% above its estimated fair value. The current Return-on-Tangible-Equity is 11.24%, which is 19% below median its 10-year median of 13.88 and 0.4% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current Return-on-Tangible-Equity is 11.24% 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 $44.59 is trading 25.7% above its estimated GF Value™ of $35.48.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
Return-on-Tangible-Equity: 11.24% (19% below median its 10-year median of 13.88)
GF Value™: $35.48 vs. price of $44.59 (25.7% above fair value)
Industry Position: 0.4% above the Banks median (#641 of 1523)
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
Get the complete analysis for TSBK
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSBK has been successfully added to your 
