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Upturn AI Summary - About
Timberland Bancorp Inc(TSBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TSBK
10/28/2026: TSBK (3-star) is a STRONG-BUY. BUY for 3 days. Simulated Profits (0.38%). Updated daily EoD!
Timberland Bancorp is a regional bank holding company serving communities in Washington state. The company’s primary strengths lie in its deep-rooted local relationships, disciplined credit underwriting, and commitment to steady shareholder returns. The primary investment story centers on its role as a reliable, community-focused lender within the Pacific Northwest. Risks include geographic economic concentration, interest rate sensitivity, and intense competition from larger regional and national banking institutions. The stock is best suited for income-oriented or value-conscious investors looking for stable, risk-averse exposure to the regional banking sector, with a focus on monitoring loan quality and net interest margins.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | Timberland is a mature regional bank with limited high-growth potential. |
| Momentum investor | Mixed fit | This style is conditional on positive sector momentum and upward price trends. |
| Value investor | Strong fit | The company often trades at valuations reflective of its steady earnings and community banking business model. |
| Dividend investor | Strong fit | The company is a suitable candidate for income-focused investors looking for regular, stable dividends. |
| Low-risk investor | Strong fit | The bank's traditional business model and conservative management appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and regional economic conditions. |
| Valuation risk | Low | The stock typically trades in line with sector multiples, limiting extreme valuation swings. |
| Competition risk (Regional Banking) | Medium / high | Competition from larger banks threatens market share and pricing power. |
| Business quality | Medium | The firm operates a stable, traditional community banking franchise. |
| Dividend income | Low | The dividend is generally considered stable given the bank's consistent operations. |
| Execution risk | Medium | Managing interest rate risk and loan quality is essential to sustaining performance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 35.09% | Avg. Invested days 70 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 372.45M USD | Price to earnings Ratio 12.01 | 1Y Target Price 12.5 |
Price to earnings Ratio 12.01 | 1Y Target Price 12.5 | ||
Volume (30-day avg) 31.6K shares | Beta 0.3 | 52 Weeks Range 30.29 - 49.38 | Updated Date 10/28/2026 |
52 Weeks Range 30.29 - 49.38 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 2.39% | Basic EPS (TTM) 3.99 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The bank makes money primarily by borrowing money through deposits at low rates and lending it at higher rates. |
| Non-Interest Income | Service fees, mortgage banking fees, and other banking charges. | Additional revenue comes from fees charged for account management and transaction services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.01 | Forward PE 13.42 | Enterprise Value 132.73M | Price to Sales(TTM) 4.34 |
Enterprise Value 132.73M | Price to Sales(TTM) 4.34 | ||
Enterprise Value to Revenue 4.57 | Enterprise Value to EBITDA - | Shares Outstanding 7.78M | Shares Floating 7.17M |
Shares Outstanding 7.78M | Shares Floating 7.17M | ||
Percent Insiders 7.13 | Percent Institutions 69.89 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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