Quick answer: latest quarter results, by ticker or company name

Reported Q: Q2 2025 Rev YoY: +6.9% EPS YoY: +19.7% Move: -0.81%

Timberland Bancorp Inc

TSBK

$39.31 -0.81%

Exchange NASDAQ Sector Financial Services Industry Banks Regional

Q2 2025

Published: Mar 31, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for TSBK

Reported

Report Date

Mar 31, 2025

Quarter Q2 2025

Revenue

27.54M

YoY: +6.9%

EPS

0.85

YoY: +19.7%

Market Move

-0.81%

Previous quarter: Q1 2025

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Earnings Highlights

Revenue of $27.54M up 6.9% year-over-year
EPS of $0.85 increased by 19.7% from previous year
Net income of 6.76M
"N/A" - N/A

TSBK

Company TSBK

Period Q2 2025

Currency USD

Report Type Quarterly Earnings

Generated Feb 10, 2026

Executive Summary

Timberland Bancorp delivered a solid Q2 2025 despite an unusual liquidity presentation. Revenue totaled $27.54 million, up 6.87% year over year, and net income reached $6.76 million, an 18.34% increase from the prior-year period. Diluted earnings per share were $0.85, up 19.72% YoY, underscoring improving profitability even as topline growth benefited from favorable mix and fee-related activity. Operating income was $8.46 million with an implied operating margin around 30.7%, while net margin stood at approximately 24.5%, signaling disciplined cost control against a backdrop of elevated liabilities in the balance sheet.

Key Performance Indicators

Revenue

Increasing

27.54M

QoQ: 4 104.43% | YoY: 6.87%

Operating Income

Increasing

8.46M

QoQ: 6 506.25% | YoY: 11.63%

Net Income

Increasing

6.76M

QoQ: -1.53% | YoY: 18.34%

EPS

Increasing

0.85

QoQ: -1.16% | YoY: 19.72%

Revenue Trend

Margin Analysis

Financial Highlights

Revenue: $27.54M (YoY +6.87%; QoQ +4,104.43% based on reported quarterly figures).
GrossProfit: Not disclosed separately in the provided data.
Operating Income: $8.46M (YoY +11.63%; QoQ +6,506.25%).
Net Income: $6.76M (YoY +18.34%; QoQ -1.53%).
EPS: $0.85 (YoY +19.72%; QoQ -1.16%).
EBITDA: $8.46M; EBITDA margin implied by reported EBITDAR of ~30.71%.
Net Margin: ~24.53% (net income / revenue).
ROE: 2.67%; ROA: 0.35%.
Debt/Capitalization: 7.82%; Debt/Total Liabilities relatively modest by bank standards in the data.
Current Ratio: 0.14; Quick Ratio: 0.14; Cash Ratio: 0.12 (reflecting reported liquidity metrics).
Cash Flow: Net cash from operating activities $12.35M; Free cash flow $12.16M; Net cash provided by financing activities $16.73M; Cash at end of period $191.21M.
Balance Sheet Snapshot: Total assets $1.93273B; Long-term investments $1.630796B; Cash & equivalents $199.922M; Total stockholders’ equity $252.524M.
Valuation Indicators (per share/ratio): P/B ~0.95; P/S ~9.01; P/E ~8.86; Dividend yield ~0.83%; Dividend payout ~29.4% of earnings; Book value per share approximated by equity divide by diluted shares.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	27.54M	6.87%	4 104.43%
Operating Income	8.46M	11.63%	6 506.25%
Net Income	6.76M	18.34%	-1.53%
EPS	0.85	19.72%	-1.16%

Key Financial Ratios

Gross Profit Margin

Excellent

70.20%

Gross profit margin is exceptional, indicating strong pricing power and operational efficiency

Operating Profit Margin

Excellent

31.80%

Operating margin is exceptional, indicating strong pricing power and operational efficiency

Net Profit Margin

Excellent

25.40%

Net profit margin is exceptional, indicating strong pricing power and operational efficiency

Return on Assets

Weak

0.35%

Return on assets suggests inefficient capital allocation

Return on Equity

Weak

2.67%

Return on equity suggests inefficient capital allocation

Current Ratio

Concern

0.14

Current ratio below safe levels, potential liquidity risk

Debt to Equity

Conservative

0.08

Debt-to-equity shows conservative leverage and low financial risk

P/E Ratio

Value

8.86x

P/E ratio suggests potential undervaluation or stable earnings

Price to Book

Undervalued

0.95x

Trading below book value, potential value opportunity or distressed

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q1 2026	29.95	1.04	+11.2%	View
Q2 2025	27.54	0.85	+6.9%	View
Q1 2025	0.66	0.86	+13.7%	View
Q4 2024	27.96	0.79	+49.0%	View
Q3 2024	26.93	0.74	+43.5%	View

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Timberland Bancorp Inc (TSBK) Q2 2025 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Financial Highlights

Income Statement

Key Financial Ratios

Management Insights Available for Members

Peer Comparison Available for Members

Investment Outlook & SWOT Available for Members

Historical Earnings Comparison

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