Timberland Bancorp, Inc.

NASDAQ•TSBK

CEO: Mr. Dean J. Brydon CPA

セクター: Financial Services

業種: Banks - Regional

上場日: 1998-01-13

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, commercial real estate loans, and land loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. The company was founded in 1915 and is headquartered in Hoquiam, Washington.

連絡先情報

624 Simpson Avenue, Hoquiam, WA, 98550, United States

360-533-4747

www.timberlandbank.com

時価総額

$302.29M

PER (TTM)

9.9

14.6

配当利回り

2.8%

52週高値

$40.41

52週安値

$27.51

52週レンジ

84%

順位28Top 16.1%

5.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 5.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q1 2026 データ

売上高

$29.95M+11.03%

直近4四半期の推移

EPS

$1.04+20.93%

直近4四半期の推移

フリーCF

$8.11M+0.00%

直近4四半期の推移

2026 Q1 決算ハイライト

主なハイライト

NIM Expansion Strong Net Interest Margin increased to 3.85% from 3.64% year-over-year, driven by favorable asset repricing and lower funding costs.

Net Income Growth Reported Net income grew 19.8% to $8.22M for the quarter; diluted EPS reached $1.04 compared to $0.86 previously.

Credit Loss Recapture Noted Reported net recapture of $(0.035)M in credit losses, contrasting with a provision recorded in the prior year period.

Capital Ratios Remain Strong Leverage Tier 1 capital ratio was 12.67%, significantly exceeding the 4.00% regulatory minimum requirement.

リスク要因

Substandard Loan Reduction Substandard loans fell $24.19M sequentially, primarily due to the payoff of the largest substandard loan secured by land development.

Deposit Mix Pressures Total deposits decreased $12.15M sequentially; non-interest bearing balances declined due to competitive pricing and customer shifts.

Non-Accrual Loans Decline Non-accrual loans decreased 2.8% QoQ to $4.28M, though collateral-dependent loans still carry associated credit loss reserves.

Goodwill Impairment Potential Adverse economic shifts or stock price decreases could trigger material impairment charges on the recorded goodwill balance.

見通し

Interest Margin Outlook Funding costs declined slower than asset yields, moderating the overall benefit to net interest margin moving forward.

Loan Portfolio Rebalancing Net loans decreased due to construction/land payoffs, offset by growth in one- to four-family and multi-family loan categories.

Capital Return Strategy Company expects to continue quarterly dividends ($0.29/share announced) and authorized a new stock repurchase program.

Liquidity Position Secure Liquidity is deemed adequate, supported by available borrowing capacity, including $708.68M available from the FHLB.

同業比較

売上高 (TTM)

FSBW

$217.51M

+6.8%

FNLC

$177.61M

+7.2%

LNKB

$175.41M

+4.7%

粗利益率 (最新四半期)

TSBK

72.6%

+3.4pp

FSBW

70.0%

-0.6pp

FUNC

69.9%

+0.8pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
PKBK	$323.31M	8.5	12.0%	6.4%
LNKB	$312.77M	9.3	11.1%	4.3%
NECB	$312.01M	6.9	13.1%	3.9%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

4.1%

緩やかな成長

4四半期純利益CAGR

6.7%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし