Timberland Bancorp Inc - Understand $tsbk stock

$TSBK Market Cap: $263 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$69.79M

TTM

Gross Margin

Net Earnings

$24.28M

TTM

Current Assets

Current Liabilities

$1.575M

Q3 2024

Current Ratio

Total Assets

$1.923B

Q3 2024

Total Liabilities

$1.678B

Q3 2024

Book Value

$245.4M

Q3 2024

Cash

P/E

10.83

Nov 13, 2024 EST

Free Cash Flow

$15.39M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue		$79.95M	$58.51M	$54.96M	$55.58M	$55.73M	$41.83M	$38.34M	$34.88M	$31.17M	$29.86M	$30.24M	$31.61M	$33.97M
YoY Change		36.65%	6.45%	-1.12%	-0.25%	33.21%	9.12%	9.93%	11.89%	4.39%	-1.26%	-4.33%	-6.95%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$79.95M	$58.51M	$54.96M	$55.58M	$55.73M	$41.83M	$38.34M	$34.88M	$31.17M	$29.86M	$30.24M	$31.61M	$33.97M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.381M	$1.367M	$1.563M	$1.572M	$1.604M	$1.290M	$1.262M	$1.328M	$1.356M	$1.244M	$1.095M	$940.0K	$992.0K	$1.330M	$1.360M	$1.350M	$1.330M	$1.330M	$1.300M	$810.0K	$700.0K	$630.0K	$530.0K	$420.0K	$360.0K	$350.0K	$300.0K	$240.0K
YoY Change	1.02%	-12.54%	-0.57%	-2.0%	24.34%	2.22%	-4.97%	-2.06%	9.0%	13.61%	16.49%	-5.24%	-25.41%	-2.21%	0.74%	1.5%	0.0%	2.31%	60.49%	15.71%	11.11%	18.87%	26.19%	16.67%	2.86%	16.67%	25.0%	9.09%
% of Gross Profit
Operating Expenses					$1.358M	$1.192M	$1.074M	$912.0K	$812.0K	$759.0K	$607.0K	$776.0K	$675.0K
YoY Change					13.93%	10.99%	17.76%	12.32%	6.98%	25.04%	-21.78%	14.96%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$11.59M	$2.674M	$3.104M	$4.701M	$4.565M	$2.778M	$3.197M	$4.072M	$3.890M	$3.939M	$4.439M	$5.947M	$8.533M
YoY Change	333.51%	-13.85%	-33.97%	2.98%	64.33%	-13.11%	-21.49%	4.68%	-1.24%	-11.26%	-25.36%	-30.31%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$30.41M	$33.99M	$29.56M	$34.43M	$30.31M	$29.92M	$22.42M	$21.24M	$15.06M	$12.48M	$8.650M	$7.271M	$6.371M	$1.393M	-$3.860M	-$1.230M	$6.830M	$11.99M	$11.99M	$9.720M	$8.080M	$9.980M	$10.32M	$8.200M	$8.820M	$7.820M	$7.510M	$5.160M	$4.100M
YoY Change	-10.55%	14.99%	-14.13%	13.6%	1.29%	33.44%	5.55%	41.1%	20.59%	44.32%	18.97%	14.13%	357.36%	-136.09%	213.82%	-118.01%	-43.04%	0.0%	23.35%	20.3%	-19.04%	-3.29%	25.85%	-7.03%	12.79%	4.13%	45.54%	25.85%	-10.87%
Income Tax	$6.123M	$6.876M	$5.962M	$6.845M	$6.038M	$5.901M	$5.701M	$7.076M	$4.901M	$4.192M	$2.800M	$2.514M	$1.781M	$304.0K	-$1.570M	-$990.0K	$2.820M	$3.830M	$3.830M	$3.110M	$2.490M	$2.970M	$3.430M	$2.740M	$2.930M	$2.600M	$2.410M	$1.830M	$1.420M
% Of Pretax Income	20.14%	20.23%	20.17%	19.88%	19.92%	19.72%	25.43%	33.31%	32.55%	33.58%	32.37%	34.58%	27.95%	21.82%			41.29%	31.94%	31.94%	32.0%	30.82%	29.76%	33.24%	33.41%	33.22%	33.25%	32.09%	35.47%	34.63%
Net Earnings	$24.28M	$27.12M	$23.60M	$27.58M	$24.27M	$24.02M	$16.72M	$14.17M	$10.15M	$8.292M	$5.850M	$4.757M	$4.590M	$1.089M	-$2.290M	-$240.0K	$4.010M	$8.160M	$8.160M	$6.620M	$5.590M	$7.020M	$6.890M	$5.460M	$5.900M	$5.220M	$5.100M	$3.330M	$2.680M
YoY Change	-10.45%	14.91%	-14.44%	13.66%	1.04%	43.65%	18.03%	39.52%	22.46%	41.74%	22.98%	3.64%	321.49%	-147.55%	854.17%	-105.99%	-50.86%	0.0%	23.26%	18.43%	-20.37%	1.89%	26.19%	-7.46%	13.03%	2.35%	53.15%	24.25%	-10.37%
Net Earnings / Revenue		33.92%	40.34%	50.19%	43.66%	43.1%	39.97%	36.95%	29.12%	26.6%	19.59%	15.73%	14.52%	3.21%
Basic Earnings Per Share		$3.32	$2.84	$3.31	$2.91	$2.89	$2.28	$1.99	$1.48	$1.20	$0.82	$0.59	$0.52	$0.00
Diluted Earnings Per Share	$3.01	$3.29	$2.815M	$3.27	$2.88	$2.84	$2.22	$1.92	$1.43	$1.17	$0.80	$0.58	$0.52	$0.00	-$341.3K	-$36.25K	$610.4K	$1.169M	$1.121M	$911.8K	$729.8K	$876.4K	$853.8K	$638.6K	$654.1K	$512.8K	$422.5K	$251.7K	$202.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$22.96M	$23.41M	$23.88M	$24.70M	$25.60M	$22.80M	$19.00M	$18.40M	$16.20M	$16.90M	$17.70M	$17.80M	$17.90M	$17.40M	$17.40M	$18.00M	$16.90M	$16.60M	$16.70M	$15.90M	$13.90M	$13.40M	$11.70M	$10.70M	$8.600M	$7.600M	$5.300M	$5.400M	$4.900M
YoY Change	-1.93%	-1.94%	-3.33%	-3.52%	12.28%	20.0%	3.26%	13.58%	-4.14%	-4.52%	-0.56%	-0.56%	2.87%	0.0%	-3.33%	6.51%	1.81%	-0.6%	5.03%	14.39%	3.73%	14.53%	9.35%	24.42%	13.16%	43.4%	-1.85%	10.2%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$1.923B	$1.840B	$1.861B	$1.792B	$1.566B	$1.247B	$1.018B	$952.0M	$891.4M	$815.8M	$745.6M	$745.6M	$737.0M	$738.2M	$742.7M	$701.7M	$681.9M	$644.8M	$577.1M	$552.8M	$460.4M	$449.6M	$431.1M	$386.3M	$368.1M	$307.1M	$265.7M	$211.6M	$194.4M
YoY Change
Accounts Payable		$6.389M	$108.0K	$100.0K	$300.0K	$300.0K	$200.0K	$200.0K	$200.0K	$300.0K	$300.0K	$300.0K	$1.000M
YoY Change		5815.74%	8.0%	-66.67%	0.0%	50.0%	0.0%	0.0%	-33.33%	0.0%	0.0%	-70.0%
Accrued Expenses	$1.575M	$4.508M	$2.066M	$5.400M	$5.700M	$3.100M	$1.200M	$1.100M	$1.000M	$800.0K	$700.0K	$700.0K
YoY Change	-65.06%	118.2%	-61.74%	-5.26%	83.87%	158.33%	9.09%	10.0%	25.0%	14.29%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt												$0.00	$900.0K	$700.0K	$600.0K	$800.0K	$800.0K	$600.0K	$900.0K	$800.0K
YoY Change												-100.0%	28.57%	16.67%	-25.0%	0.0%	33.33%	-33.33%	12.5%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$1.575M	$10.90M	$9.655M	$5.500M	$9.600M	$7.500M	$3.900M	$2.900M	$2.800M	$2.400M	$2.400M	$2.400M	$1.900M	$700.0K	$600.0K	$800.0K	$800.0K	$600.0K	$900.0K	$800.0K				$400.0K			$200.0K	$500.0K	$200.0K
YoY Change	-85.55%	12.86%	75.55%	-42.71%	28.0%	92.31%	34.48%	3.57%	16.67%	0.0%	0.0%	26.32%	171.43%	16.67%	-25.0%	0.0%	33.33%	-33.33%	12.5%								-60.0%	150.0%
Long-Term Debt		$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$8.819M		$7.697M											$3.600M	$2.800M	$3.000M	$3.100M	$3.300M	$3.000M	$3.300M	$2.600M	$2.700M	$2.600M	$2.700M	$2.000M	$1.600M	$1.300M	$1.200M	$1.900M
YoY Change														28.57%	-6.67%	-3.23%	-6.06%	10.0%	-9.09%	26.92%	-3.7%	3.85%	-3.7%	35.0%	25.0%	23.08%	8.33%	-36.84%
Total Long-Term Liabilities	$8.819M	$0.00	$7.697M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.600M	$2.800M	$3.000M	$3.100M	$3.300M	$3.000M	$3.300M	$2.600M	$2.700M	$2.600M	$2.700M	$2.000M	$1.600M	$1.300M	$1.200M	$1.900M
YoY Change		-100.0%											-100.0%	28.57%	-6.67%	-3.23%	-6.06%	10.0%	-9.09%	26.92%	-3.7%	3.85%	-3.7%	35.0%	25.0%	23.08%	8.33%	-36.84%
Total Liabilities	$1.678B	$1.607B	$1.642B	$1.585B	$1.378B	$1.076B	$893.6M	$841.0M	$794.6M	$726.6M	$662.8M	$656.0M	$646.6M	$652.0M	$657.3M	$614.5M	$607.0M	$570.3M	$497.7M	$478.1M	$387.6M	$372.0M	$356.7M	$314.5M	$295.8M	$234.9M	$183.9M	$186.9M	$173.0M
YoY Change	4.43%	-2.14%	3.57%	15.02%	28.08%	20.42%	6.25%	5.84%	9.36%	9.63%	1.04%	1.45%	-0.83%	-0.81%	6.97%	1.24%	6.44%	14.59%	4.1%	23.35%	4.19%	4.29%	13.42%	6.32%	25.93%	27.73%	-1.61%	8.03%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	8.176M shares	8.304M shares	8.341M shares	8.327M shares	8.319M shares	7.335M shares	7.137M shares	6.843M shares	6.897M shares	6.857M shares	6.818M shares	6.781M shares	6.745M shares
Diluted Shares Outstanding	8.248M shares	8.383M shares	8.444M shares	8.422M shares	8.468M shares	7.526M shares	7.380M shares	7.105M shares	7.069M shares	7.020M shares	6.887M shares	6.781M shares	6.746M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $263.04 Million

About Timberland Bancorp Inc

Timberland Bancorp, Inc. (Washington), is a holding company, which engages in the provision of community banking services. The company is headquartered in Hoquiam, Washington and currently employs 285 full-time employees. The Bank is a community-oriented bank, which offers a variety of savings products to its retail and business customers while concentrating its lending activities on real estate secured loans. Its lending activities are focused primarily on the origination of loans secured by real estate, including residential construction loans, one-to-four-family residential loans, multi-family loans and commercial real estate loans. The Bank also originates commercial business loans and other consumer loans. The company offers personal checking, savings accounts, timberland financial services, health savings accounts, online banking, cash management and remote deposit, ACH transactions, merchant services, and others. The Bank serves consumers and businesses across Grays Harbor, Thurston, Pierce, King, Kitsap and Lewis counties, Washington with a full range of lending and deposit services through its 23 branches.

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