Timberland Bancorp Inc (TSBK) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, Timberland Bancorp reported revenue of $82.6M, up 9.6% from $75.3M the year before. Net income was $29.2M (a 35.3% net margin), or $3.67 per diluted share. Net interest income was $70.2M, and the efficiency ratio (noninterest expense / revenue) was 55.0%. Operating activities generated $30.2M of cash, leaving $28.4M of free cash flow. At fiscal year end, Timberland Bancorp held $2.01B in total assets against $1.75B in total liabilities, including $243.4M of cash and equivalents.
Open the full interactive Timberland Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Timberland Bancorp Key Stats
| Share Price | $45.17 |
|---|---|
| Market Cap | $354.8M |
| P/E Ratio | 12.3 |
| Dividend Yield | 2.49% |
| Revenue YoY Growth | +9.6% |
| 52-Week Range | $30.34 – $47.00 |
| Shares Outstanding | 7.8 million (basic, 2026 Q3) |
Timberland Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $50.9M | $51.9M | $55.8M | $68.4M | $64.2M | $70.2M |
| Provision for Credit Losses | $3.7M | $0 | $270,000 | $2.1M | $1.2M | $934,000 |
| Noninterest Income | $17.2M | $17.2M | $12.6M | $11.1M | $11.1M | $12.4M |
| Noninterest Expense | $34.1M | $34.6M | $38.6M | $43.4M | $43.7M | $45.4M |
| Revenue | $68.1M | $69.0M | $68.5M | $79.5M | $75.3M | $82.6M |
| Pre-Tax Income | $30.3M | $34.4M | $29.6M | $34.0M | $30.4M | $36.2M |
| Income Tax | $6.0M | $6.8M | $6.0M | $6.9M | $6.1M | $7.1M |
| Net Income | $24.3M | $27.6M | $23.6M | $27.1M | $24.3M | $29.2M |
| Diluted EPS | $2.88 | $3.27 | $2.82 | $3.29 | $3.01 | $3.67 |
Timberland Bancorp Quarterly Results
| 2025 Q4 | 2026 Q1 | 2026 Q2 | 2026 Q3 | |
|---|---|---|---|---|
| Revenue | $22.5M | $21.7M | $21.1M | $21.8M |
| Net Income | $8.4M | $8.2M | $7.1M | $7.7M |
| Diluted EPS | $1.06 | $1.04 | $0.90 | $0.98 |
Timberland Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $314.5M | $580.2M | $316.8M | $128.7M | $164.7M | $243.4M |
| Loans (Net) | — | — | — | — | $1.42B | $1.46B |
| Total Assets | $1.57B | $1.79B | $1.86B | $1.84B | $1.92B | $2.01B |
| Deposits | $1.36B | $1.57B | $1.63B | $1.56B | $1.65B | $1.72B |
| Total Long-Term Debt | $10.0M | $5.0M | — | $35.0M | $20.0M | $20.0M |
| Total Liabilities | $1.38B | $1.59B | $1.64B | $1.61B | $1.68B | $1.75B |
| Shareholders' Equity | $187.6M | $206.9M | $218.6M | $233.1M | $245.4M | $262.6M |
Timberland Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $33.9M | $29.6M | $26.5M | $31.0M | $23.0M | $30.2M |
| Cash From Investing | -$154.7M | $37.4M | -$335.2M | -$170.2M | -$45.8M | -$8.2M |
| Cash From Financing | $292.2M | $198.7M | $45.2M | -$48.8M | $58.8M | $56.8M |
| Free Cash Flow | $31.9M | $28.7M | $25.6M | $29.9M | $21.7M | $28.4M |
| Dividends Paid | $7.1M | $8.6M | $7.2M | $8.3M | $7.7M | $8.1M |
Figures from Timberland Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Timberland Bancorp financials page for every line item.
Timberland Bancorp Company Profile
| Ticker | TSBK |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Hoquiam, Washington |
| Incorporated in | Washington |
| Fiscal Year End | September 30 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001046050 |
Frequently Asked Questions
What was Timberland Bancorp's revenue in fiscal 2025?
Timberland Bancorp (TSBK) reported revenue of $82.6M for fiscal 2025.
What is Timberland Bancorp's annual revenue history?
Timberland Bancorp's annual revenue by fiscal year: 2020: $68.1M; 2021: $69.0M; 2022: $68.5M; 2023: $79.5M; 2024: $75.3M; 2025: $82.6M.
What was Timberland Bancorp's net income in fiscal 2025?
Timberland Bancorp reported net income of $29.2M for fiscal 2025.
What was Timberland Bancorp's earnings per share (EPS) in fiscal 2025?
Timberland Bancorp's diluted EPS was $3.67 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Timberland Bancorp generate in fiscal 2025?
Timberland Bancorp generated $28.4M of free cash flow in fiscal 2025.
What was Timberland Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q3), Timberland Bancorp reported revenue of $21.8M.
How much debt does Timberland Bancorp have?
Timberland Bancorp reported $20.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Timberland Bancorp are outstanding?
Timberland Bancorp reported a weighted average of 7.8 million basic shares outstanding in 2026 Q3.
What is Timberland Bancorp's market cap?
Based on its latest closing price, Timberland Bancorp (TSBK) has a market capitalization of about $354.8M.
When does Timberland Bancorp's fiscal year end?
Timberland Bancorp's fiscal year end, as registered with the SEC, is September 30.
Where is Timberland Bancorp headquartered?
Timberland Bancorp lists its business address in Hoquiam, Washington in its SEC filings.
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