ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Timberland Bancorp, Inc. (Washington) ?
1
High Profitability with a Net Interest Margin of 4.39%
2
The Bank has a high Capital Adequacy Ratio of 18.85% signifying high buffers against its risk based assets
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 18.95 MM
- OPERATING CASH FLOW(Y) Highest at USD 42.08 MM
- ROCE(HY) Highest at 1.56%
4
With ROA of 0.99%, it has a attractive valuation with a 1.12 Price to Book Value
- Over the past year, while the stock has generated a return of 26.88%, its profits have risen by 22.8% ; the PEG ratio of the company is 0.4
- At the current price, the company has a high dividend yield of 1471.8
5
High Institutional Holdings at 69.64%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.86% over the previous quarter.
6
Market Beating Performance
- The stock has generated a return of 26.88% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Timberland Bancorp, Inc. (Washington) should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Timberland Bancorp, Inc. (Washington) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Timberland Bancorp, Inc. (Washington)
30.43%
1.80
28.75%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.49%
EBIT Growth (5y)
1.01%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.82%
Pledged Shares
0
Institutional Holding
69.64%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.12
EV to EBIT
1.58
EV to EBITDA
1.53
EV to Capital Employed
2.18
EV to Sales
0.56
PEG Ratio
0.41
Dividend Yield
1471.79%
ROCE (Latest)
137.99%
ROE (Latest)
11.37%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at USD 18.95 MM
OPERATING CASH FLOW(Y)
Highest at USD 42.08 MM
ROCE(HY)
Highest at 1.56%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 27.2 MM
OPERATING PROFIT(Q)
Highest at USD 10.31 MM
PRE-TAX PROFIT(Q)
Highest at USD 10.31 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.56%
Here's what is working for Timberland Bancorp, Inc. (Washington)
NII
Highest at USD 18.95 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 42.08 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 27.2 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 10.31 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 10.31 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
CASA
Highest at 20.01%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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