Timberland Bancorp's First Fiscal Quarter Net Income Increases to $6.86 Million
Financial Performance: Timberland Bancorp reported a 12% increase in earnings per share to $0.86, with net income rising to $6.86 million for the quarter ending December 31, 2024. Key profitability metrics such as return on average assets and equity also improved, alongside an expanded net interest margin of 3.64%.
Community Engagement: The company successfully partnered with the Federal Home Loan Bank to secure grants for 43 local non-profit organizations, resulting in a total donation of $772,000 aimed at advancing housing and community development in its service areas.
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- Quarterly Dividend Increase: Timberland Bancorp has declared a quarterly dividend of $0.29 per share, marking a 3.6% increase from the previous dividend of $0.28, reflecting the company's solid financial performance in the current rate environment.
- Forward Yield: The forward yield of 3.18% provides investors with a relatively attractive return, enhancing the company's appeal in the capital markets amidst fluctuating interest rates.
- Payment Schedule: The dividend is payable on February 27, with a record date of February 13 and an ex-dividend date also set for February 13, ensuring shareholders receive their earnings promptly.
- Investor Confidence Boost: By consistently increasing dividends, Timberland Bancorp not only enhances shareholder return expectations but also strengthens market confidence in its future financial health.
- Earnings Per Share: Timberland Bancorp reported a Q1 GAAP EPS of $1.04, demonstrating robust profitability in the current rate environment, reflecting effective cost control and revenue growth strategies.
- Revenue Growth: The company achieved revenue of $21.7 million in Q1, indicating an increase compared to the previous year, which suggests strong sales momentum and enhances investor confidence in future performance.
- Market Rating: Seeking Alpha's Quant Rating on Timberland Bancorp is a 'Hold', indicating a cautious market outlook on its future performance, potentially reflecting concerns over risks associated with interest rate fluctuations.
- Dividend Performance: Timberland Bancorp's dividend scorecard shows strong performance within the industry, indicating the company's commitment to returning value to shareholders, which may attract income-seeking investors.
Tradeweb Markets Inc. Rating: Tradeweb Markets Inc. (TW) received an upgrade in its rating from 69% to 85% based on its strong fundamentals and valuation, indicating significant interest from the investment strategy of Martin Zweig.
Timberland Bancorp Inc. Rating: Timberland Bancorp Inc. (TSBK) also saw its rating increase from 77% to 85%, reflecting positive underlying fundamentals and valuation, suggesting it is a stock of interest according to Zweig's strategy.
Citizens Financial Services Inc. Rating: Citizens Financial Services Inc. (CZFS) experienced a similar upgrade in its rating from 77% to 85%, highlighting its strong fundamentals and valuation, which aligns with the criteria of Martin Zweig's investment approach.
About Martin Zweig and Validea: Martin Zweig's investment strategies have historically provided strong returns, and Validea offers research services based on the strategies of successful investors, including Zweig, to help guide investment decisions.
Earnings Growth: Timberland Bancorp Inc. reported fourth-quarter earnings of $8.45 million, or $1.07 per share, an increase from $6.36 million, or $0.79 per share, in the previous year.
Revenue Increase: The company's revenue rose by 15.5% to $22.49 million, compared to $19.48 million in the same quarter last year.

Fiscal Year Performance: Timberland Bancorp reported a 20% increase in net income to $29.16 million for the fiscal year ending September 30, 2025, with earnings per share (EPS) rising 22% to $3.67. The quarterly EPS also increased by 19% to $1.07 compared to the previous quarter.
Profitability Metrics: The company achieved a quarterly net interest margin of 3.82%, with returns on average assets and equity at 1.68% and 12.97%, respectively. These metrics reflect strong profitability and effective asset-liability management.
Dividend and Expansion Plans: Timberland announced an 8% increase in its quarterly cash dividend to $0.28 per share, marking the 52nd consecutive quarter of dividend payments. Additionally, plans to open a new branch in University Place were revealed, aimed at enhancing market presence.
Balance Sheet Growth: Total assets surpassed $2 billion for the first time, with a 3% increase in total deposits and a solid loan portfolio growth. The company maintained a strong liquidity position, with only 20% of deposits being uninsured or uncollateralized.
Surge in Quality Scores: Small regional banks in the U.S. have seen significant improvements in their "Quality" scores, indicating strong financial health and stability over the past week.
Top Performers: The top five regional banks with notable quality score increases include Citizens Financial Services, Republic Bancorp, Webster Financial Corp, Timberland Bancorp, and CVB Financial Corp, each showing various strengths in operational efficiency and profitability.
Analyst Upgrades: Citizens Financial Services received multiple analyst upgrades, reflecting confidence in its improving fundamentals, while other banks also reported enhanced net interest margins and reduced provisions for credit losses.
Market Trends: Despite some banks showing unfavorable price trends in the short and long term, many are experiencing favorable trends in medium terms, suggesting potential for future growth.









