Timberland BancorpTSBK -0.78%68 ROA % is 1.41% as of Mar. 2026, which is 7% below its 10-year median of 1.51. 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 1,528 Banks companies, Timberland Bancorp ranks better than 78.73% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Timberland Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $28.52 Mil.
Timberland Bancorp's average Total Assets over the quarter that ended in Mar. 2026 was $2,026.26 Mil. Therefore, Timberland Bancorp's annualized ROA % for the quarter that ended in Mar. 2026 was 1.41%.
The historical rank and industry rank for Timberland Bancorp's ROA % or its related term are showing as below:
TSBK'
s ROA % Range Over the Past 10 Years
Min: 1.19 Med: 1.51 Max: 2.12
Current: 1.55
During the past 13 years, Timberland Bancorp's highest ROA % was 2.12%. The lowest was 1.19%. And the median was 1.51%.
TSBK's ROA % is ranked better than 78.73% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs TSBK: 1.55
Timberland Bancorp (NAS:TSBK) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Timberland Bancorp ROA % Related Terms
Timberland Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for Timberland Bancorp's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Timberland Bancorp (TSBK) has a ROA % of 1.41% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Timberland Bancorp and its competitors. This is near median its historical median of 1.51. Over the past decade, Timberland Bancorp's ROA % has ranged from 1.19 to 2.12. According to the industry distribution chart, Timberland Bancorp ranks #325 out of 1528 companies in the Banks industry, placing it in the top 21.3%.
Is Timberland Bancorp's ROA % too high?
Timberland Bancorp's current ROA % of 1.41% is near median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 2.12. The Banks industry median ROA % is 0.98. Timberland Bancorp's value of 1.41% is 43.9% above this industry median. Based on the distribution chart, Timberland Bancorp ranks #325 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROA % compare to CZFS and MFGI?
According to the Banks industry distribution chart, Timberland Bancorp ranks #325 out of 1528 companies for ROA %. This places Timberland Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Timberland Bancorp's value of 1.41% is 43.9% above this benchmark. Historically, Timberland Bancorp's own ROA % has ranged from 1.19 to 2.12 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current ROA % of 1.41% is 43.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current ROA % is 1.41%, which is near median its own 10-year median of 1.51. 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 $44.36 — trading 25.3% above its estimated fair value. The current ROA % is 1.41%, which is near median its 10-year median of 1.51 and 43.9% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current ROA % is 1.41% 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 $44.36 is trading 25.3% above its estimated GF Value™ of $35.40.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
ROA %: 1.41% (near median its 10-year median of 1.51)
GF Value™: $35.40 vs. price of $44.36 (25.3% above fair value)
Industry Position: 43.9% above the Banks median (#325 of 1528)
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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