TSBK (Timberland Bancorp) Scaled Net Operating Assets: -0.01 (As of Mar. 2026)


TSBK Timberland Bancorp Inc TSBK
68 GF Score
Price $44.80
GF Value $35.41
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Timberland Bancorp Scaled Net Operating Assets?

Timberland Bancorp TSBK +1.52% 68 Scaled Net Operating Assets is -0.01 as of Mar. 2026. GuruFocus rates TSBK with a GF Score™ of 68/100 and a GF Value™ of $35.41 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Timberland Bancorp's operating assets for the quarter that ended in Mar. 2026 was $1,724.36 Mil. Timberland Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $1,752.36 Mil. Timberland Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $2,006.13 Mil. Therefore, Timberland Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.01.

TSBK
68GF Score
Timberland Bancorp Inc TSBK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Timberland Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Timberland Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Sep. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Sep. 2025 )
=(Operating Assets (A: Sep. 2025 )-Operating Liabilities (A: Sep. 2025 ))/Total Assets (A: Sep. 2024 )
=(1762.134-1727.088)/1923.475
=0.02

where

Operating Assets(A: Sep. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2012.779 - 250.645
=1762.134

Operating Liabilities(A: Sep. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1750.165 - 23.077 - 0
=1727.088

Timberland Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1724.359-1752.36)/2006.127
=-0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2046.386 - 322.027
=1724.359

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1775.297 - 22.937 - 0
=1752.36

* 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.

What does a Scaled Net Operating Assets of -0.01 mean?
Timberland Bancorp (TSBK) has a Scaled Net Operating Assets of -0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Timberland Bancorp and its competitors.
Is Timberland Bancorp's Scaled Net Operating Assets too high?
Timberland Bancorp's current Scaled Net Operating Assets 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 Scaled Net Operating Assets compare to CZFS and MFGI?
Timberland Bancorp's Scaled Net Operating Assets 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Timberland Bancorp and its competitors. Timberland Bancorp's current Scaled Net Operating Assets 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 $35.41, compared to a current price of $44.80 — trading 26.5% above its estimated fair value. The current Scaled Net Operating Assets 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current Scaled Net Operating Assets 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 $44.80 is trading 26.5% above its estimated GF Value™ of $35.41. GuruFocus considers Timberland Bancorp to be Modestly Overvalued.

Key valuation signals for TSBK:

  • Scaled Net Operating Assets: -0.01
  • GF Value™: $35.41 vs. price of $44.80 (26.5% 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

Address 624 Simpson Avenue, Hoquiam, WA, USA, 98550
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.80
Price
$35.41
GF Value