TSBK Timberland Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ 10-K/10-Q Aug 7, 2026
$46.75
· of 52w range
· above low
· to high
$31.0952w low
$49.3852w high
Market Cap (MRQ)
$363M
P/E
12.7
EPS
$3.67
your badges
52W Range
$31–$49
Analyst Rating
·
Price Target
·
P/E
12.7
ROE
11.3%
Net Profit Margin
35.3%
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TSBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$46.75
Market Cap (MRQ)
$363M
P/E
12.7
EPS
$3.67
Div Yield
2.2%
ROE
11.3%
52W Range
$31–$49
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| June 6, 2007 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$3.672016-09-30 → 2025-09-30
Free Cash Flow$28M2016-09-30 → 2025-09-30
Net margin35.3%2016-09-30 → 2025-09-30
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | TSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 12.75Y avg ≈9.2 | ≈9.2 | 9.9 | Overvalued | |
| P/S | 4.55Y avg ≈3.2 | ≈3.2 | 3.0 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.0 | ≈1.0 | 1.2 | Overvalued | |
| Price / FCF (TTM) | 12.55Y avg ≈9.0 | ≈9.0 | · | · | |
| Price / Cash Flow (TTM) | 11.65Y avg ≈8.6 | ≈8.6 | 9.6 | Fair value | |
| Price / Tangible Book | 1.55Y avg ≈1.1 | ≈1.1 | · | · | |
| PEG Ratio | ≈2.6 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | TSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Net Profit Margin | 35.3%5Y avg ≈35.2% | ≈35.2% | 29.7% | Top tier | |
| ROA | 1.5%5Y avg ≈1.4% | ≈1.4% | 1.0% | Top tier | |
| ROE | 11.3%5Y avg ≈11.5% | ≈11.5% | 11.2% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | TSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 9.6%5Y avg ≈4.2% | ≈4.2% | · | · | |
| Revenue CAGR 3Y | 6.4%5Y avg ≈4.9% | ≈4.9% | · | · | |
| Revenue CAGR 5Y | 3.9% | · | · | · | |
| EPS YoY | 21.9%5Y avg ≈6.0% | ≈6.0% | · | · | |
| Net Income YoY | 20.1%5Y avg ≈4.8% | ≈4.8% | · | · | |
| EPS CAGR 3Y | 9.2%5Y avg ≈3.7% | ≈3.7% | · | · | |
| EPS CAGR 5Y | 5.0% | · | · | · | |
| Net Income CAGR 3Y | 7.3%5Y avg ≈2.3% | ≈2.3% | · | · | |
| Net Income CAGR 5Y | 3.7% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | TSBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.2%
Payout Ratio27.7%
Annualized Payout≈$1.20
5Y Div CAGR≈5.4%
Growth Streak≈3
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 10, 2026 | $0.30 | USD | ≈2.6% |
| May 8, 2026 | $0.29 | USD | ≈2.7% |
| Feb 13, 2026 | $0.29 | USD | ≈2.8% |
| Nov 14, 2025 | $0.28 | USD | ≈3.1% |
| Aug 8, 2025 | $0.26 | USD | ≈3.3% |
| May 9, 2025 | $0.26 | USD | ≈3.3% |
| Feb 14, 2025 | $0.25 | USD | ≈3.2% |
| Nov 15, 2024 | $0.25 | USD | ≈3.0% |
| Aug 9, 2024 | $0.24 | USD | ≈3.4% |
| May 9, 2024 | $0.24 | USD | ≈3.6% |
| Feb 8, 2024 | $0.24 | USD | ≈3.5% |
| Nov 10, 2023 | $0.23 | USD | ≈3.2% |
| Aug 10, 2023 | $0.23 | USD | ≈3.4% |
| May 11, 2023 | $0.23 | USD | ≈4.4% |
| Feb 9, 2023 | $0.23 | USD | ≈2.9% |
| Nov 9, 2022 | $0.32 | USD | ≈2.9% |
| Aug 11, 2022 | $0.22 | USD | ≈3.3% |
| May 12, 2022 | $0.22 | USD | ≈3.7% |
| Feb 10, 2022 | $0.22 | USD | ≈3.5% |
| Nov 10, 2021 | $0.21 | USD | ≈3.7% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Next Report
Oct 28, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2026 | Oct 28, 2026 | $0.98 | — | — |
| June 30, 2026 | Jul 20, 2026 | $0.90 | — | — |
| March 31, 2026 | $1.04 | — | — | |
| March 31, 2025 | $0.86 | — | — | |
| Sept. 30, 2024 | $0.74 | — | — | |
| June 30, 2024 | $0.70 | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Expenses | · | · | · | · | · | · | $1M | $1M | $1M | $912.0K | $812.0K | $759.0K | |
| Interest Expense | · | · | $12M | $3M | $3M | $5M | $5M | $3M | $3M | $4M | $4M | $4M | |
| Interest Income | $102M | $95M | $80M | $59M | $55M | $56M | $56M | $42M | $38M | $35M | $31M | $30M | |
| Income Tax | $7M | $6M | $7M | $6M | $7M | $6M | $6M | $6M | $7M | $5M | $4M | $3M | |
| Net Income | $29M | $24M | $27M | $24M | $28M | $24M | $24M | $17M | $14M | $10M | $8M | $6M | |
| EPS (Basic) | $3.68 | $3.02 | $3.32 | $2.84 | $3.31 | $2.91 | $2.89 | $2.28 | $1.99 | $1.48 | $1.20 | $0.82 | |
| EPS (Diluted) | $3.67 | $3.01 | $3.29 | $2.82 | $3.27 | $2.88 | $2.84 | $2.22 | $1.92 | $1.43 | $1.17 | $0.80 | |
| Shares (Basic) | 7,917,193 | 8,038,674 | 8,175,898 | 8,304,002 | 8,340,983 | 8,326,600 | 8,318,928 | 7,334,577 | 7,136,690 | 6,842,614 | 6,897,270 | 6,856,730 | |
| Shares (Diluted) | 7,952,626 | 8,080,382 | 8,248,181 | 8,383,335 | 8,444,333 | 8,422,486 | 8,468,226 | 7,526,344 | 7,380,053 | 7,105,349 | 7,069,088 | 7,019,676 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $243M | $165M | $129M | $317M | $580M | $314M | $143M | $149M | $148M | $109M | $92M | $72M | |
| PP&E (Net) | $22M | $21M | $22M | $22M | $22M | $23M | $23M | $19M | $18M | $16M | $17M | $18M | |
| PP&E (Gross) | $44M | $43M | $42M | $41M | $41M | $40M | $39M | $34M | $33M | $30M | $30M | $30M | |
| Accum. Depreciation | $23M | $21M | $20M | $19M | $18M | $17M | $16M | $15M | $14M | $14M | $13M | $13M | |
| Goodwill | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $6M | $6M | $6M | $6M | $6M | |
| Intangibles | · | · | · | · | · | · | $15M | · | · | · | · | · | |
| Total Assets | $2.01B | $1.92B | $1.84B | $1.86B | $1.79B | $1.57B | $1.25B | $1.02B | $952M | $891M | $816M | $746M | |
| Short-term Debt | · | · | · | · | · | · | · | · | $0 | $0 | $0 | $0 | |
| Total Liabilities | $1.75B | $1.68B | $1.61B | $1.64B | $1.59B | $1.38B | $1.08B | $894M | $841M | $795M | $727M | $663M | |
| Total Debt | · | · | · | · | · | · | · | · | $0 | $0 | $0 | $0 | |
| Retained Earnings | $237M | $216M | $199M | $181M | $164M | $145M | $128M | $111M | $98M | $88M | $80M | $74M | |
| AOCI | $-298.0K | $20.0K | $-1M | $-717.0K | $59.0K | $61.0K | $50.0K | $-129.0K | $-124.0K | $-175.0K | $-313.0K | $-339.0K | |
| Stockholders' Equity | $263M | $245M | $233M | $219M | $207M | $188M | $171M | $125M | $111M | $97M | $89M | $83M | |
| Liabilities + Equity | $2.01B | $1.92B | $1.84B | $1.86B | $1.79B | $1.57B | $1.25B | $1.02B | $952M | $891M | $816M | $746M | |
| Shares Outstanding | 7,889,571 | 7,960,127 | 8,105,338 | 8,221,952 | 8,355,469 | 8,310,793 | 8,329,419 | 7,401,177 | 7,361,077 | 6,943,868 | 6,988,848 | 7,047,336 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | · | · | · | · | · | · | $441.0K | $882.0K | $605.0K | $404.0K | $336.0K | $264.0K | |
| Amort. of Intangibles | $180.0K | $226.0K | $271.0K | $316.0K | $361.0K | $406.0K | $452.0K | $0 | $0 | $0 | $3.0K | $116.0K | |
| Operating Cash Flow | $30M | $23M | $31M | $26M | $30M | $34M | $18M | $21M | $14M | $12M | $8M | $9M | |
| CapEx | $2M | $1M | $1M | $911.0K | $895.0K | $2M | $2M | $2M | $4M | $640.0K | $700.0K | $1M | |
| Investing Cash Flow | $-8M | $-46M | $-170M | $-335M | $37M | $-155M | $-45M | $-68M | $-20M | $-60M | $-49M | $-24M | |
| Stock Repurchased | $6M | $6M | $5M | $5M | $527.0K | $1M | $499.0K | $0 | $0 | $820.0K | $709.0K | $0 | |
| Net Stock Activity | $-6M | $-6M | $-5M | $-5M | $-527.0K | $-1M | $-499.0K | $0 | $0 | $-820.0K | $-709.0K | · | |
| Dividends Paid | $8M | $8M | $8M | $7M | $9M | $7M | $6M | $4M | $4M | $3M | $2M | $1M | |
| Financing Cash Flow | $57M | $59M | $-49M | $45M | $199M | $292M | $21M | $47M | $46M | $64M | $61M | $-6M | |
| Net Change in Cash | $79M | $36M | $-188M | $-263M | $266M | $171M | $-6M | $676.0K | $39M | $17M | $20M | $-22M | |
| Free Cash Flow | $28M | $22M | $30M | $26M | $29M | $32M | $16M | $19M | $10M | $11M | $7M | $7M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 35.3% | 32.2% | 34.1% | 34.5% | 40.0% | 35.6% | 36.7% | 32.4% | 29.8% | 24.3% | 22.5% | 17.0% | |
| ROA | 1.5% | 1.3% | 1.5% | 1.3% | 1.6% | 1.7% | 2.1% | 1.7% | 1.5% | 1.2% | 1.1% | 0.78% | |
| ROE | 11.3% | 10.0% | 11.7% | 10.9% | 13.4% | 13.1% | 14.2% | 13.6% | 12.9% | 10.6% | 9.4% | 6.8% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | · | · | · | · | 0.0 | 0.0 | 0.0 | 0.0 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $33.29 | $30.83 | $28.76 | $26.58 | $24.76 | $22.58 | $20.54 | $16.84 | $15.08 | $13.95 | $12.76 | $11.75 | |
| Revenue / Share | $10.38 | $9.32 | $9.64 | $8.17 | $8.17 | $8.08 | $7.73 | $6.86 | $6.44 | $5.87 | $5.21 | $4.91 | |
| Cash Flow / Share | $3.79 | $2.85 | $3.76 | $3.16 | $3.51 | $4.02 | $2.14 | $2.85 | $1.88 | $1.64 | $1.07 | $1.23 | |
| Cash / Share | $30.85 | $20.69 | $15.88 | $38.53 | $69.44 | $37.84 | $17.17 | $20.11 | $20.13 | $15.69 | $13.21 | $10.27 | |
| Dividend / Share | $1.02 | $0.95 | $1.01 | $0.87 | $1.03 | $0.85 | $0.78 | $0.60 | $0.50 | $0.37 | $0.24 | $0.16 | |
| EPS (TTM) | $3.67 | $3.01 | $3.29 | $2.82 | $3.27 | $2.88 | $2.84 | $2.22 | $1.92 | $1.43 | $1.17 | $0.80 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.6% | -5.3% | 16.1% | -0.81% | 1.4% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 6.4% | 2.9% | 5.3% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 3.9% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 21.9% | -8.5% | 16.7% | -13.8% | 13.5% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 9.2% | -2.7% | 4.5% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 5.0% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 20.1% | -10.4% | 14.9% | -14.4% | 13.7% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 7.3% | -4.2% | 3.8% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 3.7% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 2.7% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $83M | $75M | $79M | $68M | $69M | $68M | $66M | $52M | $48M | $42M | $37M | $34M | |
| Net Income TTM | $29M | $24M | $27M | $24M | $28M | $24M | $24M | $17M | $14M | $10M | $8M | $6M | |
| Market Cap | $263M | $241M | $220M | $227M | $241M | $150M | $229M | $231M | $231M | $109M | $76M | $74M | |
| Enterprise Value | · | · | · | · | · | · | · | · | $83M | $424.9K | $-16M | $2M | |
| P/E | 9.1 | 10.1 | 8.2 | 9.8 | 8.8 | 6.2 | 9.7 | 14.1 | 16.3 | 11.0 | 9.3 | 13.2 | |
| P/S | 3.2 | 3.2 | 2.8 | 3.3 | 3.5 | 2.2 | 3.5 | 4.5 | 4.9 | 2.6 | 2.1 | 2.2 | |
| P/B | 1.0 | 1.0 | 0.9 | 1.0 | 1.2 | 0.8 | 1.3 | 1.9 | 2.1 | 1.1 | 0.9 | 0.9 | |
| P / Tangible Book | 1.1 | 1.0 | 1.0 | 1.1 | 1.3 | 0.9 | · | · | · | · | · | · | |
| P / Cash Flow | 8.7 | 10.5 | 7.1 | 8.6 | 8.1 | 4.4 | 12.6 | 10.8 | 16.6 | 9.4 | 10.1 | 8.6 | |
| P / FCF | 9.2 | 11.1 | 7.3 | 8.9 | 8.4 | 4.7 | 14.4 | 12.0 | 22.3 | 9.9 | 11.1 | 10.0 | |
| EV / FCF | · | · | · | · | · | · | · | · | 8.0 | 0.0 | -2.4 | 0.3 | |
| EV / Revenue | · | · | · | · | · | · | · | · | 1.7 | 0.0 | -0.4 | 0.1 | |
| Dividend Yield | 3.1% | 3.2% | 3.8% | 3.2% | 3.6% | 4.7% | 2.8% | 1.9% | 1.6% | 2.4% | 2.2% | 1.6% | |
| Earnings Yield | 11.0% | 10.0% | 12.1% | 10.2% | 11.3% | 16.0% | 10.3% | 7.1% | 6.1% | 9.1% | 10.7% | 7.6% | |
| Payout Ratio | 27.7% | 31.5% | 30.5% | 30.6% | 31.1% | 29.2% | 27.0% | 26.5% | 25.7% | 25.4% | 20.4% | 20.3% | |
| Annual Payout | $8M | $8M | $8M | $7M | $9M | $7M | $6M | $4M | $4M | $3M | $2M | $1M |
Income Statement
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $8M | $8M | $6M | $5M | $3M | $2M | $1M | $756.0K | |
| Interest Income | $27M | $26M | $27M | $27M | $26M | $25M | $25M | $25M | $24M | $23M | $22M | $22M | $20M | $19M | $19M | $17M | |
| Income Tax | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Net Income | $8M | $7M | $8M | $8M | $7M | $7M | $7M | $6M | $6M | $6M | $6M | $7M | $6M | $7M | $8M | $7M | |
| EPS (Basic) | $0.99 | $0.91 | $1.04 | $1.07 | $0.90 | $0.85 | $0.86 | $0.80 | $0.74 | $0.71 | $0.78 | $0.83 | $0.77 | $0.81 | $0.91 | $0.85 | |
| EPS (Diluted) | $0.98 | $0.90 | $1.04 | $1.07 | $0.90 | $0.85 | $0.86 | $0.79 | $0.74 | $0.70 | $0.77 | $0.82 | $0.77 | $0.80 | $0.90 | $0.85 | |
| Shares (Basic) | 7,805,218 | 7,875,436 | 7,885,656 | · | 7,893,308 | 7,937,063 | 7,958,275 | · | 8,004,552 | 8,081,924 | 8,114,209 | · | 8,156,831 | 8,220,532 | 8,232,273 | · | |
| Shares (Diluted) | 7,855,407 | 7,922,232 | 7,923,037 | · | 7,921,762 | 7,968,632 | 7,999,504 | · | 8,039,345 | 8,121,109 | 8,166,048 | · | 8,213,975 | 8,304,370 | 8,318,733 | · |
Balance Sheet
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $246M | $295M | $247M | $243M | $194M | $191M | $164M | $165M | $159M | $180M | $158M | · | $130M | $142M | $225M | · | |
| PP&E (Net) | $22M | $22M | $22M | $22M | $21M | $21M | $22M | $21M | $22M | $22M | $22M | · | $22M | $22M | $22M | · | |
| PP&E (Gross) | · | · | · | $44M | · | · | · | $43M | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | · | $23M | · | · | · | $21M | · | · | · | · | · | · | · | · | |
| Goodwill | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | · | $15M | $15M | $15M | · | |
| Total Assets | $2.06B | $2.05B | $2.01B | $2.01B | $1.96B | $1.93B | $1.91B | $1.92B | $1.90B | $1.91B | $1.90B | · | $1.81B | $1.79B | $1.84B | · | |
| Total Liabilities | $1.79B | $1.78B | $1.74B | $1.75B | $1.70B | $1.68B | $1.66B | $1.68B | $1.66B | $1.67B | $1.66B | · | $1.58B | $1.56B | $1.61B | · | |
| Retained Earnings | $253M | $247M | $243M | $237M | $230M | $225M | $220M | $216M | $211M | $207M | $203M | · | $195M | $190M | $185M | · | |
| AOCI | $-1M | $-350.0K | $-233.0K | $-298.0K | $-775.0K | $-670.0K | $-792.0K | $20.0K | $-545.0K | $-745.0K | $-827.0K | · | $-744.0K | $-495.0K | $-735.0K | · | |
| Stockholders' Equity | $273M | $271M | $268M | $263M | $257M | $253M | $249M | $245M | $241M | $239M | $237M | $233M | $229M | $228M | $224M | $219M | |
| Liabilities + Equity | $2.06B | $2.05B | $2.01B | $2.01B | $1.96B | $1.93B | $1.91B | $1.92B | $1.90B | $1.91B | $1.90B | · | $1.81B | $1.79B | $1.84B | · | |
| Shares Outstanding | 7,769,668 | 7,833,643 | 7,879,828 | 7,889,571 | 7,876,853 | 7,903,489 | 7,954,673 | 7,960,127 | 7,953,421 | 8,023,121 | 8,120,708 | · | 8,094,174 | 8,203,174 | 8,231,197 | · |
Cash Flow
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amort. of Intangibles | $34.0K | $34.0K | $34.0K | $45.0K | $45.0K | $45.0K | $45.0K | $57.0K | $56.0K | $57.0K | $56.0K | $68.0K | $68.0K | $67.0K | $68.0K | $79.0K | |
| Operating Cash Flow | $8M | $7M | $6M | $10M | $11M | $12M | $-3M | $7M | $7M | $4M | $5M | $8M | $8M | $6M | $9M | $8M | |
| CapEx | $587.0K | $473.0K | $505.0K | $600.0K | $432.0K | $197.0K | $506.0K | $299.0K | $214.0K | $498.0K | $298.0K | $395.0K | $193.0K | $375.0K | $143.0K | $89.0K | |
| Investing Cash Flow | $-62M | $7M | $12M | $-4M | $-24M | $-2M | $22M | $-17M | $-15M | $11M | $-25M | $-35M | $-35M | $-33M | $-68M | $-79M | |
| Stock Repurchased | $3M | $3M | $1M | $2M | $1M | $2M | $884.0K | $1M | $2M | $3M | $362.0K | $879.0K | $3M | $1M | $348.0K | $932.0K | |
| Net Stock Activity | · | · | $-1M | · | · | · | $-884.0K | · | · | · | $-362.0K | · | · | · | $-348.0K | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $3M | $2M | |
| Financing Cash Flow | $5M | $34M | $-15M | $44M | $16M | $17M | $-20M | $16M | $-14M | $7M | $49M | $26M | $14M | $-55M | $-34M | $-35M | |
| Net Change in Cash | $-49M | $48M | $3M | $50M | $2M | $27M | $-657.0K | $6M | $-21M | $22M | $29M | $-1M | $-13M | $-82M | $-92M | $-105M | |
| Free Cash Flow | · | · | $6M | · | · | · | $-4M | · | · | · | $5M | · | · | · | $9M | · |
Profitability
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 35.4% | 33.9% | 37.8% | · | 34.6% | 33.9% | 34.9% | · | 31.6% | 31.3% | 33.5% | · | 32.3% | 33.7% | 36.7% | · | |
| ROA | 0.38% | 0.36% | 0.42% | · | 0.37% | 0.35% | 0.36% | · | · | 0.30% | 0.34% | · | · | · | 0.41% | · | |
| ROE | 2.9% | 2.7% | 3.2% | · | 3.0% | 2.7% | 2.8% | · | · | 2.5% | 2.7% | · | · | · | 3.5% | · |
Efficiency
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | · | 0.0 | 0.0 | · | · | · | 0.0 | · |
Per Share
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $35.16 | $34.61 | $34.06 | · | $32.58 | $31.95 | $31.33 | · | · | $29.75 | $29.23 | · | · | · | $27.16 | · | |
| Revenue / Share | $2.77 | $2.66 | $2.74 | · | $2.59 | $2.50 | $2.46 | · | $2.33 | $2.25 | $2.30 | · | $2.38 | $2.38 | $2.46 | · | |
| Cash Flow / Share | · | · | $0.77 | · | · | · | $-0.38 | · | · | · | $0.60 | · | · | · | $1.13 | · | |
| Cash / Share | $31.67 | $37.62 | $31.33 | · | $24.58 | $24.19 | $20.63 | · | · | $22.48 | $19.46 | · | · | · | $27.32 | · | |
| Dividend Paid / Share | $0.29 | $0.29 | $0.28 | · | $0.26 | $0.25 | $0.25 | · | $0.24 | $0.24 | $0.23 | · | $0.23 | $0.23 | $0.32 | · | |
| EPS (TTM) | $3.99 | $3.91 | $3.86 | · | $3.40 | $3.24 | $3.09 | · | $3.03 | $3.06 | $3.16 | · | $3.32 | $3.24 | $3.07 | · |
Valuation (TTM)
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $87M | $86M | $85M | · | $80M | $78M | $76M | · | $76M | $76M | $78M | · | $79M | $77M | $73M | · | |
| Net Income TTM | $32M | $31M | $31M | · | $27M | $26M | $25M | · | $25M | $25M | $26M | · | $28M | $27M | $26M | · | |
| Market Cap | $348M | $309M | $282M | · | $246M | $238M | $243M | · | · | $216M | $255M | · | · | · | $281M | · | |
| P/E | 11.2 | 10.1 | 9.3 | · | 9.2 | 9.3 | 9.9 | · | 8.9 | 8.8 | 10.0 | · | 7.7 | 8.3 | 11.1 | · | |
| P/S | 4.0 | 3.6 | 3.3 | · | 3.1 | 3.1 | 3.2 | · | · | 2.8 | 3.3 | · | · | · | 3.9 | · | |
| P/B | 1.3 | 1.1 | 1.1 | · | 1.0 | 0.9 | 1.0 | · | · | 0.9 | 1.1 | · | · | · | 1.3 | · | |
| P / Tangible Book | 1.3 | 1.2 | 1.1 | · | 1.0 | 1.0 | 1.0 | · | · | 1.0 | 1.1 | · | · | · | 1.3 | · | |
| P / Cash Flow | · | · | 46.4 | · | · | · | -79.4 | · | · | · | 52.5 | · | · | · | 29.8 | · | |
| Dividend Yield | 2.5% | 2.8% | 2.9% | · | 3.2% | 3.3% | 3.2% | · | · | 3.5% | 2.9% | · | · | · | 2.9% | · | |
| Earnings Yield | 8.9% | 9.9% | 10.8% | · | 10.9% | 10.8% | 10.1% | · | 11.2% | 11.4% | 10.0% | · | 13.0% | 12.0% | 9.0% | · | |
| Payout Ratio | · | · | 26.9% | · | · | · | 29.0% | · | · | · | 29.6% | · | · | · | 35.1% | · | |
| Annual Payout | $9M | $9M | $8M | · | $8M | $8M | $8M | · | $8M | $8M | $7M | · | $8M | $8M | $8M | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Net Income | $29M | $24M | $27M | $24M | $28M |
| Diluted EPS | $3.67 | $3.01 | $3.29 | $2.82 | $3.27 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $28M | $22M | $30M | $26M | $29M |
Institutional owners (13F) 119 filers · $248.8M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
119
Value held
$248.8M
New positions
14
Exited positions
7
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 14 (-2 vs prior Q) | 7 (+1 vs prior Q) | 46 (+16 vs prior Q) | 21 (-13 vs prior Q) | -47K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $30,927,099 | 690,183 | 12.43% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $25,029,695 | 558,575 | 10.06% | Shares |
| VANGUARD GROUP INC | $15,020,570 | 419,569 | 6.04% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $14,145,800 | 315,684 | 5.69% | Shares |
| Cutler Capital Management, LLC | $12,782,426 | 285,258 | 5.14% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $12,750,954 | 284,556 | 5.13% | Shares |
| ROYCE & ASSOCIATES LP | $11,687,613 | 260,826 | 4.70% | Shares |
| Siena Capital Partners GP, LLC | $10,344,254 | 230,847 | 4.16% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $9,526,113 | 212,589 | 3.83% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $8,407,185 | 187,547 | 3.38% | Shares |
| Davis Asset Management, L.P. | $7,818,270 | 174,476 | 3.14% | Shares |
| STATE STREET CORP | $6,164,108 | 137,561 | 2.48% | Shares |
| GABELLI FUNDS LLC | $5,827,809 | 130,056 | 2.34% | Shares |
| AMERICAN CENTURY COMPANIES INC | $5,638,442 | 125,830 | 2.27% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,539,099 | 123,613 | 2.23% | Shares |
| KILEY JUERGENS WEALTH MANAGEMENT, LLC | $5,354,956 | 119,504 | 2.15% | Shares |
| Keeley-Teton Advisors, LLC | $4,159,765 | 137,969 | 1.67% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,091,243 | 91,302 | 1.64% | Shares |
| WESTPORT ASSET MANAGEMENT INC | $3,625,532 | 80,909 | 1.46% | Shares |
| De Lisle Partners LLP | $2,921,656 | 65,247 | 1.17% | Shares |
| NORTHERN TRUST CORP | $2,850,947 | 63,623 | 1.15% | Shares |
| GOLDMAN SACHS GROUP INC | $2,525,133 | 56,352 | 1.02% | Shares |
| Empowered Funds, LLC | $2,275,228 | 50,775 | 0.91% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,265,504 | 50,558 | 0.91% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,185,653 | 48,776 | 0.88% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $1,941,976 | 43,338 | 0.78% | Shares |
| Creative Planning | $1,699,464 | 37,926 | 0.68% | Shares |
| Investors Portfolio Services LLC | $1,588,643 | 35,453 | 0.64% | Shares |
| Fisher Asset Management, LLC | $1,347,032 | 30,061 | 0.54% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,340,768 | 29,921 | 0.54% | Shares |
| ALGERT GLOBAL LLC | $1,324,539 | 29,559 | 0.53% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $1,285,464 | 28,687 | 0.52% | Shares |
| Quantinno Capital Management LP | $1,241,287 | 27,701 | 0.50% | Shares |
| ALLIANCEBERNSTEIN L.P. | $1,240,468 | 31,460 | 0.50% | Shares |
| HSBC HOLDINGS PLC | $1,208,838 | 27,171 | 0.49% | Shares |
| Bank of New York Mellon Corp | $1,150,708 | 25,680 | 0.46% | Shares |
| OSAIC HOLDINGS, INC. | $1,136,769 | 25,363 | 0.46% | Shares |
| MORGAN STANLEY | $1,058,309 | 23,617 | 0.43% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $979,591 | 21,861 | 0.39% | Shares |
| Qube Research & Technologies Ltd | $932,003 | 20,799 | 0.37% | Shares |
| RBF Capital, LLC | $914,841 | 20,416 | 0.37% | Shares |
| Oppenheimer & Close, LLC | $888,986 | 19,839 | 0.36% | Shares |
| GAMCO INVESTORS, INC. ET AL | $826,252 | 18,439 | 0.33% | Shares |
| BARCLAYS PLC | $753,166 | 16,808 | 0.30% | Shares |
| BANK OF AMERICA CORP /DE/ | $750,613 | 16,751 | 0.30% | Shares |
| MARSHALL WACE, LLP | $744,608 | 16,617 | 0.30% | Shares |
| CITADEL ADVISORS LLC | $574,016 | 12,810 | 0.23% | Shares |
| Nuveen, LLC | $562,903 | 12,562 | 0.23% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $544,083 | 12,142 | 0.22% | Shares |
| SEIZERT CAPITAL PARTNERS, LLC | $461,050 | 10,289 | 0.19% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Crescent Capital VI, L.L.C., Jeffery D. Gow, Steve Wasson ×4 filings | Dec. 18, 2006 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 30 insiders · 13 officers · 18 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Dean J Brydon | CEO | Sept. 29, 2026 A | 37,410 | 0 | 1 | $-135,720 |
| Michael R Sand | CEO | Dec. 12, 2022 S | 156,773 | 0 | 0 | $0 |
| Marci A Basich | Chief Financial Officer | Sept. 29, 2026 A | 6,365 | 0 | 3 | $-205,487 |
| Jonathan Arthur Fischer | President/COO | Sept. 29, 2026 A | 8,095 | 0 | 1 | $-79,000 |
| Matthew Douglas Seath | Chief Risk Officer/EVP | Sept. 29, 2026 A | 4,228 | 0 | 1 | $-134,250 |
| Kevin John Sakamoto | Chief Credit Officer/SVP | Sept. 29, 2026 A | 2,950 | 0 | 0 | $0 |
| Matthew J Debord | Chief Lending Officer/EVP | Sept. 29, 2026 A | 7,600 | 0 | 2 | $-345,276 |
| Breanne D Antich | Chief Technology Officer/EVP | Sept. 29, 2026 A | 5,583 | 0 | 3 | $-45,655 |
| Todd Van Cise | Chief Credit Officer/EVP | July 29, 2025 M | 2,500 | 0 | 0 | $0 |
| Edward Colman Foster | EVP | Nov. 7, 2023 M | 5,005 | 0 | 0 | $0 |
| Kathie M Bailey | SVP | May 23, 2013 S | 0 | 0 | 0 | $0 |
| John P Norawong | Executive Vice President | Oct. 1, 2008 A | 1,800 | 0 | 0 | $0 |
| Michael J Rasmusson | Senior Vice President | Aug. 30, 2006 M | 0 | 0 | 0 | $0 |
| Parul Bhandari | Director | Sept. 29, 2026 A | 2,527 | 0 | 0 | $0 |
| Kelly Suter | Director | Sept. 29, 2026 A | 3,180 | 0 | 0 | $0 |
| Kathy D Leodler | Director | Sept. 29, 2026 A | 2,470 | 0 | 0 | $0 |
| Michael John Stoney | Director | Sept. 29, 2026 A | 9,550 | 0 | 1 | $-36,990 |
| David Alan Smith | Director | Sept. 29, 2026 A | 19,203 | 0 | 1 | $-43,900 |
| Andrea M Clinton | Director | Sept. 29, 2026 A | 9,645 | 0 | 1 | $-62,704 |
| Robert A Drugge | Director | Sept. 28, 2026 F | 38,050 | 0 | 1 | $-91,740 |
| Jon C Parker | Director | Sept. 27, 2022 A | 38,952 | 0 | 0 | $0 |
| Larry David Goldberg | Director | March 12, 2021 M | 7,375 | 0 | 0 | $0 |
| James A Davis | Director | Sept. 22, 2020 A | · | 0 | 0 | $0 |
| James Craig Mason | Director | Sept. 27, 2016 A | 20,287 | 0 | 0 | $0 |
| Ronald A Robbel | Director | Sept. 22, 2015 A | 9,330 | 0 | 0 | $0 |
| Clarence E Hamre | Director | Feb. 24, 2009 P | 142,159 | 0 | 0 | $0 |
| Harold L Warren | Director | Oct. 23, 2007 A | 4,535 | 0 | 0 | $0 |
| Richard R Morris JR | Director | June 17, 2005 M | 51,335 | 0 | 0 | $0 |
| Robert Backstrom | Director | March 4, 2004 M | 30,668 | 0 | 0 | $0 |
| Daniel D Yerrington | · | Dec. 24, 2020 S | 107,893 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 22 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.08% | 26,041 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 6,556 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.02% | 32,656 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.02% | 51,742 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 857 SH | Oct. 23, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 204,428 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 3,588 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 43,363 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 25,859 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 2,564 SH | Oct. 23, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 349 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 16,697 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 994 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 3,971 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 3,904 SH | Sept. 3, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 411 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,159 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 975 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 82,580 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 225,486 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 639 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 74,701 SH | Sept. 11, 2026 | Daily |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| TSBK | $263M | 9.1 | 9.6% | 35.3% | 11.3% | · |
| FRST | $344M | 5.6 | 51.9% | 27.5% | 15.9% | · |
| FDBC | $251M | 9.0 | 15.3% | 30.2% | 12.3% | · |
| USCB | · | 13.8 | 9.1% | 28.9% | 11.6% | · |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | · |
| CFFI | $236M | 8.8 | 10.6% | 19.1% | 11.0% | · |
| AVBH | $291M | -11.8 | -61.9% | -63.2% | -8.1% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
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Source: SEC 10-Q filed Aug 7, 2026