Timberland Bancorp, Inc. (TSBK) Financial Ratios Annual - Discounting Cash Flows
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TSBK
Timberland Bancorp, Inc.
TSBK (NASDAQ)
  • Financials

  • Timberland Bancorp, Inc. Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
09-30 		2024
09-30 		2023
09-30 		2022
09-30 		2021
09-30 		2020
09-30 		2019
09-30 		2018
09-30 		2017
09-30 		2016
09-30 		2015
09-30 		2014
09-30 		2013
09-30 		2012
09-30 		2011
09-30 		2010
09-30 		2009
09-30 		2008
09-30 		2007
09-30 		2006
09-30 		2005
09-30 		2004
09-30 		2003
09-30 		2002
09-30 		2001
09-30 		2000
09-30 		1999
09-30 		1998
09-30 		1997
09-30
Price Ratios
Price to Earnings Ratio 10.09 9.04 10.02 8.17 9.73 8.74 6.18 9.52 14.53 15.79 10.61 9.06 12.35 12.9 8.89 25.02 -11.84 -127 12.18 13.48 15.13 12.21 15.47 13.74 9.51 11.51 9.16 11.11 15.62 28.8
Price to Sales Ratio 2.71 2.38 2.4 2.54 3.41 3.51 2.15 3.43 4.71 4.66 2.5 1.96 2 1.61 1.05 0.685 0.61 0.672 1.03 2.3 2.96 2.18 2.77 2.7 1.88 1.82 1.79 2.44 3.59 9.38
Price to Book Ratio 1.15 1 0.991 0.951 1.05 1.17 0.799 1.34 1.95 2.01 1.11 0.842 0.873 0.684 0.452 0.316 0.318 0.352 0.652 1.48 1.55 1.08 1.19 1.17 0.881 0.875 0.747 0.8 0.974 3.89
Price to Free Cash Flow Ratio 9.63 9.27 11.2 7.41 8.97 8.39 4.7 14.34 12.61 21.65 9.77 10.85 9.78 5.97 2.93 2.81 4.88 3.37 5.52 10.4 20.8 11.93 13.92 12.52 6.92 11.83 551.2 -5.89 -398.3 23.21
Price to Operating Cash Flow Ratio 9.27 8.74 10.57 7.15 8.66 8.13 4.43 12.63 11.33 16.14 9.12 9.85 8.38 5.3 2.65 2.55 4.49 2.68 4.9 9.65 15.9 10.63 11.52 9.36 5.9 7.97 35.68 -8.13 99.57 17.19
Price Earnings to Growth Ratio 2.06 0.413 -1.11 0.483 -0.685 0.636 8.92 0.356 0.997 0.458 0.455 0.195 0.317 0.958 0.001 -0.248 -0.051 1.02 -0.252 3.91 0.684 0.085 -0.28 -12.09 0.269 -7.6 0.34 0.466 0.23 0
EV to EBITDA 4.21 0.121 0.535 1.98 -4.61 -11.3 -8.31 -1.51 -1.51 0.566 -2.36 -4.05 -9 3.32 -769.7 16.72 14.83 12.74 10.96 14.98 11.13 8.33 13.56 13.32 11.56 8.9 17.7
Liquidity Ratios
Current Ratio 538.2 0.168 0.154 0.122 0.236 0.429 0.325 0.231 0.242 0.232 0.217 0.212 0.183 0.214 0.205 0.196 0.202 0.133 0.041 0.035 0.044 0.06 0.064 0.129 0.129 0.063 0.05 0.043 0.136 0.073
Quick Ratio 538.2 0.168 0.154 0.122 0.236 0.429 0.325 0.231 0.242 0.232 0.217 0.212 0.183 0.214 0.205 0.196 0.202 0.133 0.041 0.035 0.044 0.06 0.064 0.129 0.129 0.063 0.05 0.043 0.136 0.073
Cash Ratio 7.69 0.145 0.106 0.092 0.207 0.386 0.279 0.206 0.238 0.228 0.212 0.207 0.175 0.204 0.199 0.188 0.192 0.128 0.035 0.028 0.038 0.055 0.058 0.124 0.123 0.055 0.043 0.037 0.128 0.066
Debt Ratio 0.013 0.011 0.011 0.02 0.001 0.004 0.008 0 0 0 0.034 0.055 0.06 0.06 0.062 0.075 0.102 0.151 0.155 0.156 0.11 0.114 0.142 0.137 0.143 0.179 0.22 0.147 0.044 0.058
Debt to Equity Ratio 0.097 0.088 0.088 0.158 0.009 0.036 0.067 0 0 0 0.31 0.505 0.544 0.502 0.508 0.646 0.885 1.21 1.41 1.35 0.803 0.846 0.898 0.794 0.83 0.961 1.12 0.625 0.142 0.497
Long Term Debt to Capitalization 0.079 0.071 0.075 0.131 0 0.024 0.051 0 0 0 0.237 0.335 0.352 0.334 0.333 0.39 0.468 0.521 0.583 0.572 0.298 0.421 0.473 0.443 0.454 0.49 0.184 0.137 0.124 0.332
Total Debt to Capitalization 0.088 0.081 0.081 0.137 0.009 0.034 0.063 0 0 0 0.237 0.335 0.352 0.334 0.337 0.393 0.47 0.548 0.585 0.574 0.445 0.458 0.473 0.443 0.454 0.49 0.529 0.384 0.124 0.332
Interest Coverage Ratio 1.19 1.13 0.992 2.93 11.06 11.09 6.45 6.55 8.07 6.64 3.7 3.21 2.2 1.64 1.07 0.163 -0.352 -0.091 0.416 0.76 1.11 1.13 1.1 1.07 0.948 0.589 0.71 0.928 0.92 0.615
Cash Flow to Debt Ratio 1.28 1.31 1.07 0.841 12.83 4.03 2.68 0 0 0 0.394 0.169 0.192 0.257 0.336 0.192 0.08 0.108 0.094 0.114 0.122 0.12 0.115 0.158 0.18 0.114 0.019 -0.157 0.069 0.456
Margins
Gross Profit Margin 70.98% 70.1% 68.64% 84.27% 95.8% 95.64% 87.65% 93.15% 94.61% 95.95% 90.56% 93.84% 89.08% 81.93% 75.8% 62.6% 51.63% 47.02% 57.25% 65.63% 74.06% 76.36% 75.95% 72.45% 65.97% 55.74% 55.77% 62.83% 62.37% 12.09%
Operating Profit Margin 33.47% 32.79% 29.94% 38.97% 43.91% 50.17% 43.42% 44.83% 43.49% 44.24% 34.89% 32.52% 23.98% 19.07% 16.34% 3.5% -8.68% -2.68% 14.37% 25.03% 28.75% 26.27% 25.94% 28.48% 29.56% 23.7% 29.31% 32.91% 33.8% 50.49%
Pretax Profit Margin 33.47% 32.79% 29.94% 38.97% 43.91% 50.17% 43.42% 44.83% 43.49% 44.24% 34.89% 32.52% 23.98% 19.07% 16.34% 3.5% -8.68% -2.68% 14.37% 25.03% 28.75% 26.27% 25.94% 28.48% 29.56% 23.7% 29.31% 32.91% 33.8% 50.49%
Net Profit Margin 26.89% 26.39% 23.91% 31.09% 35.05% 40.2% 34.77% 35.99% 32.43% 29.5% 23.53% 21.6% 16.22% 12.48% 11.77% 2.74% -5.15% -0.529% 8.43% 17.04% 19.56% 17.88% 17.94% 19.68% 19.73% 15.78% 19.59% 21.94% 22.98% 32.58%
Operating Cash Flow Margin 29.27% 27.29% 22.67% 35.53% 39.36% 43.19% 48.5% 27.13% 41.61% 28.86% 27.38% 19.86% 23.9% 30.35% 39.47% 26.88% 13.59% 25.08% 20.94% 23.78% 18.62% 20.54% 24.09% 28.89% 31.83% 22.78% 5.03% -29.96% 3.61% 54.59%
Free Cash Flow Margin 28.19% 25.72% 21.38% 34.27% 38.01% 41.88% 45.66% 23.91% 37.37% 21.52% 25.57% 18.03% 20.48% 26.93% 35.78% 24.33% 12.5% 19.95% 18.58% 22.09% 14.23% 18.3% 19.93% 21.6% 27.13% 15.34% 0.326% -41.35% -0.901% 40.43%
Return
Return on Assets 1.52% 1.45% 1.26% 1.47% 1.27% 1.54% 1.55% 1.93% 1.64% 1.49% 1.14% 1.02% 0.785% 0.638% 0.623% 0.148% -0.308% -0.034% 0.587% 1.27% 1.41% 1.2% 1.21% 1.48% 1.6% 1.41% 1.6% 1.69% 1.92% 1.57%
Return on Equity 11.73% 11.1% 9.89% 11.63% 10.8% 13.33% 12.93% 14.04% 13.41% 12.76% 10.49% 9.3% 7.07% 5.3% 5.08% 1.26% -2.68% -0.278% 5.35% 10.95% 10.28% 8.87% 7.67% 8.55% 9.26% 7.61% 8.15% 7.2% 6.23% 13.51%
Return on Capital Employed 1.9% 12.57% 11.28% 12.47% 13.23% 15.84% 14.9% 17.18% 17.81% 18.94% 11.78% 9.25% 6.73% 5.37% 4.75% 0.977% -2.41% -0.673% 3.74% 6.81% 10.33% 7.35% 5.74% 6.77% 7.44% 5.7% 9.73% 9.13% 7.9% 13.38%
Return on Invested Capital 1.54% 77.6% 25.69% 21.08% -20.31% -7.05% -13.74% -50.93% -19.38% -17.91% -29.76% -140.9% 28.91% 44.01% 33.16% 3.56% -4.71% -0.209% 2.43% 5% 8.27% 6.06% 4.57% 6.39% 6.71% 4.19% 7.5% 6.73% 6.98% 12.28%
Turnover Ratios
Receivables Turnover Ratio 0.077 14.95 14.53 14.53 15.02 18.32 15.57 18.55 17.92 19.06 18.38 17.69 18.89 19.34 17.86 16.51 16.91 16.31 16.56 13.99 14.86 16.13 17.04 19.99 21.77 18.41 17.14 15.8 15.85 8.99
Payables Turnover Ratio 0 4.17 5.03 2.15 0.576 0.697 2.05 0.971 0.961 0.977 2 1.25 1.96 3.38 4.12 27.31 0 0 0 11.95 0 0 0 0 0 0 0 0 0 0
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 4.6 4.49 4.42 3.73 2.82 2.78 2.72 2.92 2.72 2.61 2.67 2.28 2.04 2.15 2.18 2.29 2.56 2.54 2.81 2.89 2.49 2.33 2.24 2.51 2.99 3.25 3.49 3.12 3.13 1.74
Asset Turnover Ratio 0.057 0.055 0.053 0.047 0.036 0.038 0.045 0.054 0.051 0.05 0.048 0.047 0.048 0.051 0.053 0.054 0.06 0.065 0.07 0.074 0.072 0.067 0.068 0.075 0.081 0.09 0.082 0.077 0.084 0.048
Per Share Items ()
Revenue Per Share 14.39 13.96 12.63 10.67 8.11 8.23 8.38 8.02 7.03 6.73 6.31 5.57 5.26 5.59 5.75 5.9 6.62 6.91 7.36 7.04 5.93 5.31 4.23 4.42 4.46 4.12 3.34 2.35 1.83 0.773
Operating Cash Flow Per Share 4.21 3.81 2.86 3.79 3.19 3.55 4.07 2.18 2.92 1.94 1.73 1.11 1.26 1.7 2.27 1.59 0.9 1.73 1.54 1.67 1.1 1.09 1.02 1.28 1.42 0.938 0.168 -0.703 0.066 0.422
Free Cash Flow Per Share 4.06 3.59 2.7 3.66 3.08 3.45 3.83 1.92 2.63 1.45 1.61 1 1.08 1.51 2.06 1.44 0.828 1.38 1.37 1.56 0.844 0.972 0.843 0.955 1.21 0.632 0.011 -0.971 -0.016 0.312
Cash & Short Term Investments 19.84 35.6 30.75 22.71 45.89 80.55 52.59 29.32 29.08 26.97 23.86 20.63 16.2 18.87 17.72 16.61 16.65 10.04 2.7 1.9 2.49 3.31 2.53 4.99 4.61 1.6 1.33 0.802 1.8 0.865
Earnings Per Share 3.87 3.68 3.02 3.32 2.84 3.31 2.91 2.89 2.28 1.99 1.48 1.2 0.853 0.698 0.677 0.161 -0.341 -0.037 0.62 1.2 1.16 0.95 0.759 0.87 0.88 0.65 0.655 0.515 0.42 0.252
EBITDA Per Share 5.05 4.89 4.1 4.48 3.9 4.49 3.98 3.92 3.3 3.22 2.48 2.13 1.6 1.39 1.22 0.479 -0.405 -0.014 1.27 1.96 1.89 1.58 1.21 1.35 1.4 1.04 1.03 0.812 0.642 0.413
Dividend Per Share 1.06 1.02 0.952 1.01 0.871 1.03 0.851 0.781 0.604 0.51 0.377 0.245 0.173 0.201 0.307 0 0.104 0.494 0.461 0.394 0.354 0.333 0.315 0.282 0.257 0.229 0.194 0.149 0.066 0
Enterprise Value Per Share 21.3 0.59 2.19 8.9 -17.99 -50.77 -33.07 0 0 0 -3.73 -3.22 0.906 -3.27 -4.94 -4.31 -1.35 10.58 21.16 29.02 24.12 17.35 18.09 15.03 11.65 14.09 13.68 9.38 5.72 7.31
Book Value Per Share 32.98 33.17 30.53 28.51 26.32 24.81 22.53 20.56 17 15.55 14.15 12.93 12.07 13.15 13.32 12.78 12.72 13.17 11.59 10.96 11.29 10.71 9.89 10.17 9.5 8.55 8.03 7.15 6.74 1.86
Price Per Share 37.83 33.28 30.26 27.1 27.65 28.9 18 27.5 33.13 31.34 15.75 10.89 10.54 9 6.02 4.04 4.04 4.64 7.55 16.17 17.55 11.6 11.74 11.95 8.37 7.48 6 5.72 6.56 7.25
Dividend Ratios
Dividend Payout Ratio 27.19% 27.73% 31.5% 30.49% 30.64% 31.14% 29.19% 27.04% 26.5% 25.7% 25.39% 20.42% 20.26% 28.76% 45.32% 0% -30.51% -1,352% 74.33% 32.86% 30.55% 35.01% 41.52% 32.38% 29.21% 35.24% 29.64% 28.85% 15.69% 0%
Annual Dividend Yield 2.79% 3.07% 3.14% 3.73% 3.15% 3.56% 4.73% 2.84% 1.82% 1.63% 2.39% 2.25% 1.64% 2.23% 5.1% 0% 2.58% 10.65% 6.1% 2.44% 2.02% 2.87% 2.68% 2.36% 3.07% 3.06% 3.24% 2.6% 1% 0%
Effective Tax Rate 19.64% 19.51% 20.14% 20.23% 20.17% 19.88% 19.92% 19.72% 25.43% 33.31% 32.55% 33.58% 32.37% 34.58% 27.95% 21.82% 40.65% 80.28% 41.35% 31.92% 31.95% 31.93% 30.84% 30.88% 33.25% 33.41% 33.16% 33.33% 32% 35.48%
Short Term Coverage Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 14.68 9.72 1.06 13.13 19.15 0.259 0.866 0 0 0 0 0.023 -0.211 0 0
Capital Expenditure Coverage Ratio 27.03 17.38 17.59 28.03 29.09 33.11 17.05 8.42 9.81 3.93 15.11 10.85 6.98 8.89 10.72 10.54 12.49 4.89 8.88 14.03 4.24 9.15 5.79 3.96 6.77 3.06 1.07 -2.63 0.8 3.85
EBIT Per Revenue 0.335 0.328 0.299 0.39 0.439 0.502 0.434 0.448 0.435 0.442 0.349 0.325 0.24 0.191 0.163 0.035 -0.087 -0.027 0.144 0.25 0.287 0.263 0.259 0.285 0.296 0.237 0.293 0.329 0.338 0.505
EBITDA Per Revenue 0.351 0.35 0.325 0.42 0.481 0.546 0.475 0.489 0.469 0.479 0.393 0.383 0.304 0.248 0.212 0.081 -0.061 -0.002 0.172 0.278 0.319 0.298 0.285 0.305 0.314 0.252 0.307 0.346 0.352 0.535
Days of Sales Outstanding 4,717 24.42 25.12 25.12 24.3 19.92 23.45 19.68 20.37 19.15 19.86 20.63 19.32 18.88 20.44 22.11 21.59 22.38 22.05 26.09 24.56 22.62 21.42 18.26 16.77 19.82 21.29 23.1 23.03 40.62
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 87.53 72.63 169.9 634 523.4 177.9 376 380 373.4 182.2 291.4 186.6 108 88.49 13.36 0 0 0 30.55 0 0 0 0 0 0 0 0 0 0
Cash Conversion Cycle 4,717 -63.11 -47.51 -144.8 -609.7 -503.4 -154.4 -356.3 -359.6 -354.3 -162.4 -270.7 -167.3 -89.1 -68.06 8.74 21.59 22.38 22.05 -4.46 24.56 22.62 21.42 18.26 16.77 19.82 21.29 23.1 23.03 40.62
Cash Conversion Ratio 1.09 1.03 0.948 1.14 1.12 1.07 1.4 0.754 1.28 0.978 1.16 0.92 1.47 2.43 3.35 9.82 -2.64 -47.41 2.48 1.4 0.952 1.15 1.34 1.47 1.61 1.44 0.257 -1.37 0.157 1.68
Free Cash Flow to Earnings 1.05 0.975 0.894 1.1 1.08 1.04 1.31 0.664 1.15 0.729 1.09 0.835 1.26 2.16 3.04 8.89 -2.43 -37.71 2.2 1.3 0.727 1.02 1.11 1.1 1.37 0.973 0.017 -1.88 -0.039 1.24

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