Timberland Bancorp Inc (TSBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Timberland Bancorp Inc stock (TSBK) is currently trading at $39.24. Timberland Bancorp Inc PE ratio is 10.20. Timberland Bancorp Inc PS ratio (Price-to-Sales) is 3.70. Analyst consensus price target for TSBK is $12.50. WallStSmart rates TSBK as Moderate Buy.
- TSBK PE ratio analysis and historical PE chart
- TSBK PS ratio (Price-to-Sales) history and trend
- TSBK intrinsic value — DCF, Graham Number, EPV models
- TSBK stock price prediction 2025 2026 2027 2028 2029 2030
- TSBK fair value vs current price
- TSBK insider transactions and insider buying
- Is TSBK undervalued or overvalued?
- Timberland Bancorp Inc financial analysis — revenue, earnings, cash flow
- TSBK Piotroski F-Score and Altman Z-Score
- TSBK analyst price target and Smart Rating
Timberland Bancorp Inc
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TSBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Timberland Bancorp Inc (TSBK)
TSBK trades at a significant discount to its Graham intrinsic value of $154.92, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Timberland Bancorp Inc (TSBK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Timberland Bancorp Inc (TSBK) Key Strengths (5)
Keeps $49 of every $100 in revenue after operating costs
Keeps $36 of every $100 in revenue as net profit
Trading at 1.12x book value, attractively priced
Strong earnings growth at 20.90% per year
67.24% held by institutions, strong professional interest
Supporting Valuation Data
Timberland Bancorp Inc (TSBK) Areas to Watch (5)
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.70x sales
Solid revenue growth at 10.70% per year
Supporting Valuation Data
Timberland Bancorp Inc (TSBK) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.12) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 49.00%, Profit Margin at 36.40%. Growth metrics are encouraging with EPS Growth at 20.90%.
The Bear Case
The primary concerns are PEG Ratio, Market Cap, Return on Equity. Some valuation metrics including PEG Ratio (2.94), Price/Sales (3.70) suggest expensive pricing. Growth concerns include Revenue Growth at 10.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TSBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TSBK's Price-to-Sales ratio of 3.70x sits near its historical average of 3.62x (86th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 3.7x set in Mar 2026, and 4% above its historical low of 3.57x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Timberland Bancorp Inc (TSBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Timberland Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 84M with 11% growth year-over-year. Profit margins are strong at 36.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1180.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 36.4% and operating margin of 49.0% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Timberland Bancorp Inc.
Bottom Line
Timberland Bancorp Inc is a well-established business delivering consistent profitability with 36.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Timberland Bancorp Inc(TSBK)
NASDAQ
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.