# Timberland Bancorp Inc. (TSBK) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $47.36, market value $368 million.

## Valuation
- **P/E (trailing): 12.0×** (5-yr avg 8.4×, 3-yr avg 8.6×). Timberland Bancorp Inc. trades at 12.0× trailing earnings, well above its own five-year average of 8.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.9%** (5-yr avg 12.3%). Free cash flow equals 7.9% of the market value, below its five-year average of 12.3%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Return on equity: 11.1%**. 11.1% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 21.9%** (3-yr 9.2%/yr, 5-yr 5.0%/yr). Earnings per share rose 21.9%.
- **Free-cash-flow growth (3 yr): 3.6%/yr**. Free cash flow has compounded at 3.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 2.63%** ($1.16 per share, trailing). Timberland Bancorp Inc. yields 2.63%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 28%** (30% of free cash flow). 28% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 5.6%/yr** (1-yr 8.2%). The dividend has grown 5.6% a year over five years.

## Price and momentum
- **Total return (1 yr): 52.2%** (YTD 35.4%, 3-mo 5.1%). The shares are up 52.2% over twelve months including dividends.
- **From 52-week high: -4.1%** (47.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.21** (volatility 23%). Beta of 0.21 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TSBK · Page: https://foliofundamentals.com/stocks/tsbk

Not investment advice.