Timberland Bancorp, Inc. (TSBK): Price and Financial Metrics

TSBK POWR Grades

• Stability is the dimension where TSBK ranks best; there it ranks ahead of 84.36% of US stocks.
• The strongest trend for TSBK is in Quality, which has been heading down over the past 179 days.
• TSBK's current lowest rank is in the Quality metric (where it is better than 20.16% of US stocks).

TSBK Stock Summary

• TSBK's current price/earnings ratio is 7.12, which is higher than just 21.25% of US stocks with positive earnings.
• For TSBK, its debt to operating expenses ratio is greater than that reported by merely 10.49% of US equities we're observing.
• TSBK's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 86.68% of US stocks.
• Stocks that are quantitatively similar to TSBK, based on their financial statements, market capitalization, and price volatility, are PBFS, UCBI, BCML, ACNB, and PCB.
• Visit TSBK's SEC page to see the company's official filings. To visit the company's web site, go to www.timberlandbank.com.

TSBK Valuation Summary

• In comparison to the median Financial Services stock, TSBK's price/sales ratio is 13.64% higher, now standing at 2.5.
• Over the past 243 months, TSBK's price/earnings ratio has gone down 3.9.

Below are key valuation metrics over time for TSBK.

TSBK Growth Metrics

Its 3 year net cashflow from operations growth rate is now at 27.03%.
• Its 4 year net income to common stockholders growth rate is now at 108.25%.
• Its year over year revenue growth rate is now at -2.95%.

TSBK's revenue has moved up $2,954,000 over the prior 15 months.

The table below shows TSBK's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-12-31	71.973	31.661	25.622
2022-09-30	68.188	26.5	23.6
2022-06-30	65.758	25.301	22.568
2022-03-31	66.097	28.88	23.854
2021-12-31	67.574	33.041	25.778
2021-09-30	69.019	29.635	27.583

TSBK's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• TSBK has a Quality Grade of C, ranking ahead of 49.71% of graded US stocks.
• TSBK's asset turnover comes in at 0.042 -- ranking 147th of 435 Banking stocks.
• CFR, PLBC, and BAC are the stocks whose asset turnover ratios are most correlated with TSBK.

The table below shows TSBK's key quality metrics over time.