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Timberland Bancorp Inc (TSBK)
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Upturn Advisory Summary
12/05/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 10.25% | Avg. Invested days 50 | 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 12/05/2025 |
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 as Timberland Bank. It operates as a community bank providing various banking products and services to individuals and businesses in western Washington.
Core Business Areas
- Community Banking: Offers deposit accounts, loans, and other financial services to individuals and small businesses.
- Commercial Banking: Provides commercial real estate loans, business loans, and other commercial banking services to larger businesses.
- Mortgage Lending: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team includes Dean J. Brydon (President & CEO) and Jonathan Fischer (CFO). The company operates with a traditional bank organizational structure.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share is regional in western Washington. Competitors include larger national and regional banks such as Wells Fargo, US Bank, and Banner Bank.
- Commercial Real Estate Loans: Provides financing for commercial properties. Competitors include other regional and national banks with commercial lending divisions. Market share is regional and competitive.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors are numerous and include online banks offering higher rates, credit unions, and national banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks face the challenge of balancing growth with risk management.
Positioning
Timberland Bancorp Inc. is positioned as a community bank focusing on serving the needs of individuals and businesses in its local market. Competitive advantages include local expertise and customer service.
Total Addressable Market (TAM)
The TAM is the total banking market in western Washington. Timberland Bancorp Inc. aims to capture a greater portion of this market through targeted lending and deposit growth strategies.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Solid asset quality
- Customer-focused approach
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Lower technology adoption compared to fintech companies
Opportunities
- Expansion into new markets within western Washington
- Increased demand for local banking services
- Growing commercial real estate market
- Partnerships with fintech companies
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from larger banks and credit unions
- Economic downturn in the region
Competitors and Market Share
Key Competitors
- BANC
- UBSI
- FFIN
Competitive Landscape
Timberland Bancorp Inc. competes with regional and national banks, as well as credit unions. Its competitive advantage lies in its local expertise and customer service. The larger competitors have more resources and a wider range of products, while credit unions typically offer lower fees.
Growth Trajectory and Initiatives
Historical Growth: Growth trends data not readily available without real-time access.
Future Projections: Future growth projections data not readily available without real-time access.
Recent Initiatives: Recent strategic initiatives include expanding their digital banking services and focusing on commercial lending growth.
Summary
Timberland Bancorp is a community bank with a strong local presence. Its strengths lie in its customer service and experienced management team. However, it faces challenges from larger competitors and rising interest rates. Expanding digital services and managing risks are key to future success.
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Sources and Disclaimers
Data Sources:
- Company filings, market data sources, and industry reports.
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a financial professional.
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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