Timberland Bancorp Inc (TSBK)vsWells Fargo & Company (WFC)
TSBK
Timberland Bancorp Inc
$47.26
+0.38%
FINANCIAL SERVICES · Cap: $363.51M
WFC
Wells Fargo & Company
$84.81
+1.36%
FINANCIAL SERVICES · Cap: $251.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 96734% more annual revenue ($83.11B vs $85.83M). TSBK leads profitability with a 36.7% profit margin vs 27.6%. WFC appears more attractively valued with a PEG of 1.39. WFC earns a higher WallStSmart Score of 74/100 (B).
TSBK
Buy62
out of 100
Grade: C+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 47.3%
Conservative balance sheet, low leverage
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.1%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : TSBK
The strongest argument for TSBK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.7% and operating margin at 47.3%.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.1%. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : TSBK
The primary concerns for TSBK are Market Cap, PEG Ratio, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
TSBK profiles as a mature stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
TSBK is growing revenue faster at 6.1% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 62/100), backed by strong 27.6% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Timberland Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Timberland Bancorp, Inc. is the banking holding company for Timberland Bank providing various banking services in Washington. The company is headquartered in Hoquiam, Washington.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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