Timberland BancorpTSBK -1.30%68 ROE % is 10.57% as of Mar. 2026, which is 17% below its 10-year median of 12.77. 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 1,523 Banks companies, Timberland Bancorp ranks better than 61.26% on this metric.
The historical rank and industry rank for Timberland Bancorp's ROE % or its related term are showing as below:
TSBK'
s ROE % Range Over the Past 10 Years
Min: 10.15 Med: 12.77 Max: 16.24
Current: 11.78
During the past 13 years, Timberland Bancorp's highest ROE % was 16.24%. The lowest was 10.15%. And the median was 12.77%.
TSBK's ROE % is ranked better than 61.26% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs TSBK: 11.78
Timberland Bancorp (NAS:TSBK) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Timberland Bancorp ROE % Related Terms
Timberland Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for Timberland Bancorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Timberland Bancorp (TSBK) has a ROE % of 10.57% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Timberland Bancorp and its competitors. This is 17% below median its historical median of 12.77. Over the past decade, Timberland Bancorp's ROE % has ranged from 10.15 to 16.24. According to the industry distribution chart, Timberland Bancorp ranks #590 out of 1523 companies in the Banks industry, placing it in the top 38.7%.
Is Timberland Bancorp's ROE % too high?
Timberland Bancorp's current ROE % of 10.57% is 17% below median its 10-year median of 12.77. Over the past 10 years, this metric has ranged from a low of 10.15 to a high of 16.24. The Banks industry median ROE % is 10.22. Timberland Bancorp's value of 10.57% is 3.4% above this industry median. Based on the distribution chart, Timberland Bancorp ranks #590 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 ROE % compare to CZFS and MFGI?
According to the Banks industry distribution chart, Timberland Bancorp ranks #590 out of 1523 companies for ROE %. This puts Timberland Bancorp in the upper half of its industry. The industry median ROE % is 10.22. Timberland Bancorp's value of 10.57% is 3.4% above this benchmark. Historically, Timberland Bancorp's own ROE % has ranged from 10.15 to 16.24 over the past decade. While the company's 10-year median is 12.77 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current ROE % of 10.57% is 3.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current ROE % is 10.57%, which is 17% below median its own 10-year median of 12.77. 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 ROE % is 10.57%, which is 17% below median its 10-year median of 12.77 and 3.4% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current ROE % is 10.57% 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 $44.13 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:
ROE %: 10.57% (17% below median its 10-year median of 12.77)
GF Value™: $35.40 vs. price of $44.13 (24.7% above fair value)
Industry Position: 3.4% above the Banks median (#590 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
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