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Upturn AI SWOT - About
Timberland Bancorp Inc (TSBK)
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Upturn Advisory Summary
08/14/2025: TSBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 9.76% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 250.63M USD | Price to earnings Ratio 9.76 | 1Y Target Price 12.5 |
Price to earnings Ratio 9.76 | 1Y Target Price 12.5 | ||
Volume (30-day avg) - | Beta 0.45 | 52 Weeks Range 24.01 - 33.22 | Updated Date 06/29/2025 |
52 Weeks Range 24.01 - 33.22 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.30% | Basic EPS (TTM) 3.25 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.71% | Operating Margin (TTM) 45.22% |
Management Effectiveness
Return on Assets (TTM) 1.35% | Return on Equity (TTM) 10.54% |
Valuation
Trailing PE 9.76 | Forward PE - | Enterprise Value 72132600 | Price to Sales(TTM) 3.26 |
Enterprise Value 72132600 | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 3.68 | Enterprise Value to EBITDA - | Shares Outstanding 7901280 | Shares Floating 7296358 |
Shares Outstanding 7901280 | Shares Floating 7296358 | ||
Percent Insiders 7.17 | Percent Institutions 65.02 |
Upturn AI SWOT
Timberland Bancorp Inc
Company Overview
History and Background
Timberland Bancorp, Inc. was founded in 1915 in Hoquiam, Washington, as a mutual savings bank. It has grown organically and through acquisitions to serve communities in Washington and Oregon. Initially focused on serving the timber industry, it has diversified its services to cater to a broader range of customers and businesses.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals, families, and businesses, including deposit accounts, loans, and other financial services.
- Commercial Lending: Offers commercial real estate loans, construction loans, and other business-related financing solutions.
- Residential Lending: Provides mortgage loans for home purchases and refinancings.
Leadership and Structure
The company is led by President and CEO Dean J. Brydon and operates with a traditional bank structure, including a board of directors overseeing management and strategy. The organizational structure consists of executive management, lending divisions, branch management, and operational support.
Top Products and Market Share
Key Offerings
- Residential Mortgage Loans: Offers mortgage loans to individuals for home purchases. Market share data is not publicly available at this granular product level. Competitors include large national banks like Wells Fargo and Chase, as well as regional banks and credit unions.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available at this granular product level. Competitors include US Bank, KeyBank and other regional and community banks.
- Deposit Accounts (Checking, Savings, CDs): Offers various deposit account options. Market share data is not publicly available at this granular product level. Competitors include national banks like Bank of America and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment due to fluctuating interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks face increasing compliance costs and the need to adapt to digital banking trends.
Positioning
Timberland Bancorp Inc. positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantage lies in its established presence in Washington and Oregon, strong customer relationships, and understanding of the local markets.
Total Addressable Market (TAM)
The TAM for banking services in Washington and Oregon is significant, encompassing all individuals and businesses requiring financial services. Timberland Bancorp Inc. is positioned to capture a portion of this TAM by focusing on community banking and leveraging its local presence.
Upturn SWOT Analysis
Strengths
- Strong local presence in Washington and Oregon
- Established customer relationships
- Experienced management team
- Focus on community banking
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Susceptibility to regional economic fluctuations
- Dependence on traditional banking model
Opportunities
- Expansion into new markets within Washington and Oregon
- Increased adoption of digital banking technologies
- Acquisitions of smaller banks or branches
- Growth in commercial lending
- Increase Market Share
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Increased regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WAFD
- UMPQ
- BOKF
Competitive Landscape
Timberland Bancorp Inc. competes with larger regional and national banks and smaller community banks. Its advantages lie in its community focus and local expertise, while its disadvantages stem from its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Growth has been primarily organic, supplemented by strategic acquisitions.
Future Projections: Analyst estimates for future growth require review of financial news services.
Recent Initiatives: Review of company announcements and news reports needed to identify recent strategic initiatives.
Summary
Timberland Bancorp Inc. is a stable community bank with a strong presence in Washington and Oregon. Its strengths lie in its local market expertise and customer relationships. The company faces challenges from larger competitors and the need to adapt to technological changes. Future growth depends on successful execution of strategic initiatives and managing risks in a changing economic environment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Public News Sources
- Market Research Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on available information and may not be precise. Financial performance and future projections are subject to change based on market conditions and company-specific factors. Use at your own risk.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Timberland Bancorp Inc
Exchange NASDAQ | Headquaters Hoquiam, WA, United States | ||
IPO Launch date 1998-01-13 | CEO & Director Mr. Dean J. Brydon CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 274 | Website https://www.timberlandbank.com |
Full time employees 274 | Website https://www.timberlandbank.com | ||
Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate loans, and land loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. The company was founded in 1915 and is headquartered in Hoquiam, Washington.
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