Timberland Bancorp

TSBK

Banks - Regional · Financial Services

Price

$43.77

-1.10 (-2.45%)

Market Cap

$342.6M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−5.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 8.4M (2021) → 8.0M (2025)

Timberland Bancorp is a small community bank holding company based in Hendersonville, Ohio. It offers everyday banking services like checking and savings accounts, home loans, and business loans to individuals and small businesses in western Ohio. The company operates through its main subsidiary, Timberland Bank, which has served local communities in the region for over a century.

Timberland makes money primarily by collecting interest on loans and mortgages, while also earning fees on deposit accounts and other banking services. It operates entirely within Ohio, making it a highly local business with roughly $1.8 billion in total assets. Its competitive position relies on deep community relationships and local market knowledge, which larger national banks often cannot replicate in small towns. The main risk the company faces is rising interest rates or a slowdown in the regional economy, either of which could reduce loan demand or increase the number of borrowers who struggle to repay their debts.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+8.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+7.1% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

7.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$24M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Timberland Bancorp is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

71.4%

Premium pricing power — 71.4% gross margin

Operating Margin

30.8%

Excellent — 30.8% operating margin

ROCE

3.0%

Weak — 3.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+4.7%

Slow sales growth (4.7% YoY)

EPS YoY

+13.4%

Earnings growing (13.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

128%

Turns 128% of profit into real cash

FCF Margin

32.0%

Converts sales into free cash efficiently (32.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.07

Conservative — low debt load (0.07)

Interest Cover

1.16x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

11.7x

Attractive valuation — P/E 11.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.51%

Moderate income — 2.51% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+12.0%

Dividend growing fast (12.0% YoY)

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