Timberland Bancorp (TSBK) Fundamental Analysis: Revenue, Earnings & Valuation

2.32 / 10

Underperform

Fundamental analysis rates TSBK as Underperform with a 2.3/10 score. Strengths include a 41.8% gross profit margin and solid current‑liability ratios, but cash‑to‑market and PB‑ROE metrics are weak, indicating defensive positioning and limited upside.

Analysis Checks(6/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.91%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.90%

1M Return3.70%

Profit-MV

Value0.05

Score2/3

Weight17.25%

1M Return6.92%

Net income-Revenue

Value0.70

Score1/3

Weight13.11%

1M Return5.19%

PB-ROE

Value-0.92

Score1/3

Weight10.18%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.91%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.90%

1M Return3.70%

Cash-UP

Value-0.45

Score2/3

Weight9.52%

1M Return4.32%

Asset-MV

Value-0.55

Score0/3

Weight10.56%

1M Return4.68%

Cash-MV

Value-0.14

Score0/3

Weight7.75%

1M Return3.50%

Is TSBK undervalued or overvalued?

TSBK scores 2.32/10 on fundamentals and holds a Premium valuation at present. Backed by its 3.09% ROE, 36.07% net margin, 10.42 P/E ratio, 1.19 P/B ratio, and 24.52% earnings growth, these metrics solidify its Underperform investment rating.