Timberland Bancorp Inc/WA (TSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$48.16+1.69%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · TSBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
No current thesis-health read is available for this company.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 4.6% |
| Our one-year growth estimate | diamond | 10.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 231 industry peers · Company calendar date is not available
TSBK — legal / regulatory event — Changes in Registrant’s Certifying Accountant
Dated 2026-01-07
Changes in Registrant’s Certifying Accountant On January 1, 2026, Timberland Bancorp, Inc. (the “Company”) was notified that Delap LLP (“Delap”), the Company's independent registered public accounting firm, merged with Aprio, LLP effective on January 1, 2026. The combined audit practices operate as Aprio, LLP (“Aprio”). In connection with the notification of the merger, Delap has resigned as the auditors of the Company and the Audit Committee of the Company’s Board of Directors approved the a…
Why it matters: Management says stable margins are a top priority. A margin above 3.80% would extend the recent rise.
Supportive ifThe next quarterly net interest margin report shows a margin above 3.80%.
Worry ifThe next quarterly net interest margin report shows a margin below 3.80%.
Why it matters: EPS rose to $0.98 as income grew year over year. A further gain would support the earnings growth trend.
Supportive ifThe next report shows diluted EPS of at least $0.98.
Worry ifThe next report shows diluted EPS below $0.90, the level from the same quarter last year.
Why it matters: Loan growth lifted interest income in the latest quarter. A slower pace could weaken revenue growth.
Supportive ifThe next report shows net loans up at least 3% from the prior quarter.
Worry ifThe next report shows net loans flat or down from the prior quarter.
Why it matters: Non-performing assets fell to 0.43% after rising to 0.47%. A new increase could signal weaker loan health.
Worry ifThe next report puts non-performing assets above 0.47% of total assets.
Less concerning ifThe next report keeps non-performing assets at or below 0.43% of total assets.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$80 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $189 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $909 loss on $10,000 · 9.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The sector is still growing, but its growth trend is easing. A drop below its median would add pressure to bank growth.
Worry ifThe sector report says revenue growth has fallen below its median.
Less concerning ifThe sector report says revenue growth remains at or above its median.