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Timberland BancorpTSBK +0.55%67 5-Year Yield-on-Cost % is 3.41 as of Jul. 15, 2026, which is 10% below its 10-year median of 3.79. GuruFocus rates TSBK with a GF Score™ of 67/100 and a GF Value™ of $35.56 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,256 Banks companies, Timberland Bancorp ranks worse than 58.28% on this metric.
Timberland Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 3.41.
The historical rank and industry rank for Timberland Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
TSBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.63 Med: 3.79 Max: 5.83
Current: 3.41
During the past 13 years, Timberland Bancorp's highest Yield on Cost was 5.83. The lowest was 1.63. And the median was 3.79.
TSBK's 5-Year Yield-on-Cost % is ranked worse than 58.28% of 1256
companies
in the Banks industry
Industry Median: 3.885
vs TSBK: 3.41
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Timberland Bancorp 5-Year Yield-on-Cost % Related Terms
TSBK vs NWFL, CZFS, BCML: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Timberland Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Timberland Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Timberland Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Timberland Bancorp (TSBK) has a 5-Year Yield-on-Cost % of 3.41 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Timberland Bancorp and its competitors. This is 10% below median its historical median of 3.79. Over the past decade, Timberland Bancorp's 5-Year Yield-on-Cost % has ranged from 1.63 to 5.83. According to the industry distribution chart, Timberland Bancorp ranks #732 out of 1256 companies in the Banks industry, placing it in the top 58.3%.
Is Timberland Bancorp's 5-Year Yield-on-Cost % too high?
Timberland Bancorp's current 5-Year Yield-on-Cost % of 3.41 is 10% below median its 10-year median of 3.79. Over the past 10 years, this metric has ranged from a low of 1.63 to a high of 5.83. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Timberland Bancorp's value of 3.41 is 12.2% below this industry median. Based on the distribution chart, Timberland Bancorp ranks #732 out of 1256 companies in the Banks industry, which is below the industry midpoint. Overall, Timberland Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Timberland Bancorp's 5-Year Yield-on-Cost % compare to NWFL and CZFS?
According to the Banks industry distribution chart, Timberland Bancorp ranks #732 out of 1256 companies for 5-Year Yield-on-Cost %. This places Timberland Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Timberland Bancorp's value of 3.41 is 12.2% below this benchmark. Historically, Timberland Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.63 to 5.83 over the past decade. While the company's 10-year median is 3.79 vs. the industry median of 3.89, Timberland Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Timberland Bancorp's current 5-Year Yield-on-Cost % of 3.41 is 12.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Timberland Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Timberland Bancorp's current 5-Year Yield-on-Cost % is 3.41, which is 10% below median its own 10-year median of 3.79. 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 $35.56, compared to a current price of $43.55 — trading 22.5% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.41, which is 10% below median its 10-year median of 3.79 and 12.2% below the Banks industry median of 3.89. Timberland Bancorp's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Timberland Bancorp (TSBK), the current 5-Year Yield-on-Cost % is 3.41 as of Jul. 15, 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 $43.55 is trading 22.5% above its estimated GF Value™ of $35.56.
GuruFocus considers Timberland Bancorp to be Modestly Overvalued.
Key valuation signals for TSBK:
5-Year Yield-on-Cost %: 3.41 (10% below median its 10-year median of 3.79)
GF Value™: $35.56 vs. price of $43.55 (22.5% above fair value)
Industry Position: 12.2% below the Banks median (#732 of 1256)
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.
67GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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