Timberland Bancorp, Inc. cash flow to debt ratio of 0.00% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Timberland Bancorp, Inc.'s free cash flow has decreased 100.00% from $28.42M last year to $0.00, signaling decreasing performance

Timberland Bancorp, Inc.'s debt to equity ratio is 0.03, which means that the company's assets are healthy financed, signaling financial stability.

Timberland Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.09 last year to 0.03 today, signaling strengthened financials

Timberland Bancorp, Inc. has a net cash position, so leverage is healthy.

Timberland Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Timberland Bancorp, Inc.'s profit margin was 26.39% last year and is 28.16% this year, signaling increasing performance

Timberland Bancorp, Inc.'s short-term assets of $32.93M exceed its short-term liabilities of $0.00

Timberland Bancorp, Inc.'s return on assets of 1.51% is lower than the 5.00% threshold, indicating inefficient asset utilization

Timberland Bancorp, Inc.'s return on equity of 11.45%, is lower than 15.00%, indicating bad performance

Timberland Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Timberland Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Timberland Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Timberland Bancorp, Inc. has a free cash flow yield of 0.00%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Timberland Bancorp, Inc.'s yearly earnings has increased 6.90% since last year from $29.16M to $31.17M, signaling increasing performance

Timberland Bancorp, Inc.'s yearly revenue has increased 7.76% since last year from $110.49M to $119.07M, signaling increasing performance

ROIC 1.51% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Timberland Bancorp, Inc.'s 3-year revenue CAGR of 10.93% is positive, indicating growing revenue over the past 3 years

Timberland Bancorp, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Timberland Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Timberland Bancorp, Inc. has insufficient data to evaluate this check.

Timberland Bancorp, Inc. has an earnings yield of 8.37%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Timberland Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on Base EBITDA Valuation model

Timberland Bancorp, Inc. has an EV/EBITDA ratio of 9.18x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Timberland Bancorp, Inc. is undervalued relative to its fair value price of 96.95 based on Base Earnings Fair Value model

Timberland Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Timberland Bancorp, Inc. has a price-to-book ratio of 1.35x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Timberland Bancorp, Inc. has a price-to-sales ratio of 3.36x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue