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Reported Q: Q2 2025 Rev YoY: +6.9% EPS YoY: +19.7% Move: -4.40%

Timberland Bancorp Inc

TSBK

$41.47 -4.40%

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

-4.40%

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 Apr 11, 2026

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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

Historical Earnings Comparison

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