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Upturn AI SWOT - About
Timberland Bancorp Inc (TSBK)
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Upturn Advisory Summary
10/15/2025: TSBK (1-star) is currently NOT-A-BUY. Pass it for now.
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 7.12% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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, a mutual savings bank. It has evolved from a traditional savings bank to a community-focused commercial bank, expanding its services and geographic reach in Washington State.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Commercial Real Estate Lending: Offers financing for commercial real estate projects, catering to developers and investors.
- Residential Lending: Provides mortgage loans for residential properties, serving homeowners and potential buyers.
Leadership and Structure
The leadership team includes the President and CEO, CFO, and other executive officers. The organizational structure consists of various departments responsible for different aspects of banking operations, reporting to the executive management team and the Board of Directors.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides fixed-rate and adjustable-rate mortgages for home purchases and refinancing. Market share is regional within Washington state. Competitors include larger national banks (e.g., Wells Fargo, Bank of America) and regional banks (e.g., Columbia Banking System).
- Commercial Real Estate Loans: Offers financing for commercial properties, including office buildings, retail spaces, and industrial facilities. Competitors include other regional banks and credit unions specializing in commercial lending.
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses. Competitors include national banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently navigating a changing interest rate environment and increased regulatory scrutiny, especially among smaller community banks. Technological advancements are also reshaping banking operations.
Positioning
Timberland Bancorp Inc. is a community-focused bank, targeting small and medium-sized businesses and individuals in Washington State. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for community banking in Washington state is estimated to be in the billions of dollars. Timberland Bancorp Inc. is positioned to capture a segment of this market through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking model
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets within Washington State
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in commercial lending sector
Threats
- Rising interest rates
- Increased competition from national banks and fintech companies
- Economic downturn impacting loan performance
- Regulatory changes
Competitors and Market Share
Key Competitors
- Columbia Banking System (COLB)
- Umpqua Holdings Corporation (UMPQ)
- WaFd Bank (WAFD)
Competitive Landscape
Timberland Bancorp Inc. competes with larger regional and national banks. Its advantage lies in local market knowledge, personalized customer service, and community relationships.
Growth Trajectory and Initiatives
Historical Growth: Timberland Bancorp Inc.'s growth has been steady over the past years, driven by organic growth and strategic acquisitions. Analysis will require live/updated data from a financial data provider.
Future Projections: Future growth projections depend on factors such as economic conditions and competition. Analysis will require live/updated data from a financial data provider and Analyst Estimates.
Recent Initiatives: Recent initiatives include expanding digital banking services and strengthening community relationships.
Summary
Timberland Bancorp Inc. is a relatively stable community bank with strong local ties. It's strengths are its deep understanding of its customer base and the communities in Washington it serves. Challenges include competing with larger institutions and adapting to the rapidly changing landscape of digital banking. Future success hinges on leveraging its local advantages and embracing innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Company Website
- Analyst reports (where applicable)
- FDIC data
Disclaimers:
This analysis is based on available information and estimates. Actual results may vary. This is not financial advice; please consult a financial professional before making investment decisions.
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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