TSBK · Timberland Bancorp Inc
$46.17
+0.13 (+0.28%)
At close · Aug 26
Market Cap
$359.00M
Shares
7.78M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$46.17
Open$46.29
Day$45.70–46.29
52W close$31.20–46.81
Avg vol 30d40K
Short int152K · 2.0% float · 4.3d
Short vol71%
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ4-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.2 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
+4%
above
RSI (14)
57
neutral
MACD trend
Negative
52-week position
96%
near high
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+20%
trailing
YTD return
+29%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $45 › 200d $40 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +14 funds added
Insider flow
Distributing
Net -$419.2K over 90 days · 100% sells
Short interest
Rising
1.95% of float · ▲ +7.0% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
112 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
EPS growth
+22%
Y/Y
Free cash flow
$28.4M
Valuation
P/E 11.6
below peers
Balance sheet
$243.4M
net cash
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
57
Neutral
MACD trend
Negative
Bearish
52-week position
96%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $45 › 200d $40 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +14 funds added
Insider flow
Distributing
Net -$419.2K over 90 days · 100% sells
Short interest
Rising
1.95% of float · ▲ +7.0% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
112 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $31
Now $46 · 96%
Range high $47
vs 200-day avg +16%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Efficiency ratio | 53.4% | Three Months Ended June 30, 2026 filing | — |
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| Return on average assets | 1.51% | Three Months Ended June 30, 2026 filing | — |
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| Return on average equity | 11.42% | Three Months Ended June 30, 2026 filing | — |
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| Net interest margin | 3.84% | Nine months ended June 30, 2026 | — |
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| Shareholders' equity to total assets ratio | 13.26% | June 30, 2026 | — |
| Tangible common equity non-GAAP | 257.91M | June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Shareholders' equity $273.21M
-$15.3M Less goodwill and CDI
= Tangible common equity $257.91M
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| Tangible common equity to tangible assets ratio non-GAAP | 12.61% | June 30, 2026 | — |
| Tier 1 leverage capital ratio | 12.82% | June 30, 2026 | — |
| Total risk-based capital ratio | 20.87% | June 30, 2026 | — |
| Additional CRE | $103.26M | March 31, 2026 | — |
| allowance for credit losses (“ACL”) for loans as a percentage of loans receivable | 1.27% | March 31, 2026 | — |
| Book value per common share | $34.61 | Q2 FY2026 | — |
| branches | 24 | March 31, 2026 | — |
| Certificates of deposit 250 and over | $141.84M | March 31, 2026 | — |
| Certificates of deposit under 250 | $257.45M | March 31, 2026 | — |
| Certificates of deposit – brokered | $41.94M | March 31, 2026 | — |
| Churches | $13.84M | March 31, 2026 | — |
| Gas stations/conv. stores | $26.18M | March 31, 2026 | — |
| Hotel/motel | $32.41M | March 31, 2026 | — |
| Industrial warehouses | $131.28M | March 31, 2026 | — |
| Loans graded “Substandard” | $9.54M | March 31, 2026 | — |
| Medical/dental offices | $80.06M | March 31, 2026 | — |
| Mini-storage | $37.84M | March 31, 2026 | — |
| Mobile home parks | $9.28M | March 31, 2026 | — |
| Money market | $325.81M | March 31, 2026 | — |
| Non-interest-bearing demand | $407.98M | March 31, 2026 | — |
| Non-performing assets to total assets ratio | 0.47% | Q2 FY2026 | — |
| NOW checking | $370.39M | March 31, 2026 | — |
| Nursing homes | $13.3M | March 31, 2026 | — |
| Office buildings | $69.66M | March 31, 2026 | — |
| Other retail buildings | $55.7M | March 31, 2026 | — |
| Restaurants | $28.02M | March 31, 2026 | — |
| Savings | $197.81M | March 31, 2026 | — |
| shares available to be repurchased | 227,977 | March 31, 2026 | — |
| Shopping centers | $10.29M | March 31, 2026 | — |
| Tangible book value per common share non-GAAP | $32.65 | Q2 FY2026 | — |
| Total CRE | $611.12M | March 31, 2026 | — |
| Total delinquent loans (past due 30 days or more) and non-accrual loans | $10.4M | March 31, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TSBK
this stock
Timberland Bancorp Inc
|
$359.00M | +29.0% | — | 11.6 | 2.0% |
|
MFG
Mizuho Financial Group Inc
|
$126.71B | +42.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.39B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +1.2% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$97.61B | +17.2% | +7.2% | 13.5 | 1.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TSBK | +0.4% | +2.6% | +20.1% | +3.0% | +29.0% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | +0.7% | -2.4% | +7.6% | +0.4% | +16.6% |
Capital returns
Latest dividend
$0.30
/ share · ex Aug 10, 2026
Paid (TTM)
$1.16
/ share · 4 payouts
Dividend yield (TTM, derived)
2.51%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.