TSBK FINANCIAL STATEMENTS

Timberland Bancorp Inc — balance sheet, income statement and cash flow trends

TSBKTimberland Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue115.7 M $+9.0%

Gross Profit82.4 M $+13.7%

Operating Income38.4 M $+18.4%

EBITDA40.8 M $+16.7%

Net Income30.9 M $+19.3%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
TSBK	—	—	—	26.7%
ISBTR	—	—	—	28.1%
ICBCT	—	—	—	24.7%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity271.1 M $13%
Current Liabilities176 K $0%
Long-term Liabilities1.8 B $87%

Key Figures

YoY change

Total Assets2 B $+5.9%

Total Liabilities1.8 B $+5.7%

Total Equity271.1 M $+7.4%

Cash & ST Investments24.2 M $-89.0%

Total Debt22.9 M $+7.1%

Net Debt-1.2 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
TSBK	179.28	8.5%	-0.03	13.2%
ISBTR	—	0.0%	-28.33	8.5%
ICBCT	—	0.0%	-20.34	4.0%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
TSBK	179.28	8.5%	-0.03	13.2%
BRBS	—	62.0%	1.41	11.5%
WSBF	0.23	118.6%	9.39	15.5%
CHMG	—	49.0%	-6.50	9.6%
CZFS	0.06	57.8%	1.32	11.4%
BCML	0.02	5.9%	-0.08	13.0%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow31.3 M $+34.2%

Capital Expenditures2 M $+65.3%

Free Cash Flow29.3 M $+32.5%

Dividends Paid-8.6 M $-210.1%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
TSBK	27.1%	25.4%	1.7%	101.4%
ISBTR	28.1%	-3.3%	31.4%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
TSBK	27.1%	25.4%	1.7%	101.4%
BRBS	22.4%	20.9%	1.5%	269.2%
WSBF	-1.5%	-2.5%	0.9%	-10.9%
CHMG	33.2%	32.2%	1.0%	259.1%
CZFS	25.0%	25.2%	1.0%	110.9%
BCML	20.4%	19.1%	1.7%	111.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.