What factors could explain TSBK's EPS performance in Q4 2024?

Timberland Bancorp's (TSBK) EPS in Q4 2024 was $0.86, which is a key metric to analyze the bank's profitability. Several factors could influence this performance: 1. **Interest Income**: TSBK's interest income for Q4 2024 was $25.26 million. This is a significant contributor to the bank's revenue and, consequently, its EPS. The level of interest income reflects the bank's ability to earn income from its interest-bearing assets, such as loans and investments. |code|Ticker|Name|Date|Interest Income|Interest Income YoY|market_code| |---|---|---|---|---|---|---| |TSBK|TSBK.O|Timberland Bancorp|2024 Q1|2.2496E7|17.70615320217664|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q2|2.3156E7|19.44086243358952|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q3|2.4139E7|21.368595706169238|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q4|2.5035E7|16.107040163250165|185| 2. **Provision for Loan Losses**: The provision for credit losses was $27,000. This is an expense that TSBK sets aside to cover potential loan losses. A higher provision can reduce net income and, consequently, EPS. Conversely, a lower provision can increase net income and EPS. |code|Ticker|Name|Date|Provision for Credit Losses|Provision for Credit Losses YoY|market_code| |---|---|---|---|---|---|---| |TSBK|TSBK.O|Timberland Bancorp|20240331|336000|-36|185| |TSBK|TSBK.O|Timberland Bancorp|20240630|81000|-82.94736842105263|185| |TSBK|TSBK.O|Timberland Bancorp|20240930|244000|-60|185| |TSBK|TSBK.O|Timberland Bancorp|20241231|491000|-5.938697318007663|185| 3. **Net Income**: TSBK reported a net income of $6.86 million for Q4 2024. Net income is the bottom-line profit after all expenses, including the interest income and provisions, have been deducted. A higher net income generally leads to higher EPS. |code|Ticker|Name|Date|Net Income YoY|Net Income|market_code| |---|---|---|---|---|---|---| |TSBK|TSBK.O|Timberland Bancorp|2024 Q1|-16.131610496869587|6296000|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q2|-14.332883085697134|5708000|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q3|-6.057722803679036|5924000|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q4|-4.320987654320987|6355000|185| 4. **Revenue**: The total revenue for Q4 2024 was $19.67 million. This includes interest income, fees, and other sources of revenue. A higher revenue base can support a higher EPS. |code|Ticker|Name|Date|Total Revenue YoY|Total Revenue|market_code| |---|---|---|---|---|---|---| |TSBK|TSBK.O|Timberland Bancorp|2024 Q1|-8.049687010954615|1.8802E7|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q2|-7.767726284934554|1.825E7|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q3|-3.7777436055154032|1.8772E7|185| |TSBK|TSBK.O|Timberland Bancorp|2024 Q4|-1.3971146545178437|1.9479E7|185| In summary, TSBK's EPS in Q4 2024 was likely influenced by its interest income, provision for loan losses, net income, and total revenue. These factors, either directly or indirectly, affect the bank's profitability and, consequently, its EPS.