NASDAQ$TSBK

Timberland Bancorp Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Timberland Bancorp reported net income for the second fiscal quarter.

Timberland Bancorp reported a net income of $5.33 million for the quarter ended March 31, 2022, with EPS at $0.63. The loan portfolio, excluding PPP loans, increased by 6% during the quarter. A quarterly cash dividend of $0.22 per share was announced.

  • Net income was $5.33 million for the quarter ended March 31, 2022.
  • Earnings per share (EPS) was $0.63 for the current quarter.
  • The loan portfolio, excluding PPP loans, increased 6% during the quarter.
  • A quarterly cash dividend of $0.22 per share was declared.

Headline financials

Total Revenue

$16M

Previous: $17.5M-8.5%
EPS (adj)

$0.63

Previous: $0.86-26.7%
Net Interest Margin

3.0%

Previous: 3.2%-8.1%
Efficiency Ratio

58.4%

Previous: 49.0%+19.2%
Return on Avg. Assets

1.2%

Previous: 1.8%-33.7%
Return on Avg. Equity

10.1%

Previous: 14.9%-32.2%
Capital Expenditures

-$219K

Previous: -$509K+57.0%
Free Cash Flow

$5.11M

Previous: $6.74M-24.2%
Net Income

$5.33M

Previous: $7.25M-26.5%
Operating Income

$12.1M

Previous: $13.8M-12.0%
Gross Profit

$15.4M

Previous: $16.9M-9.1%
Cash & Equivalents

$492M

Previous: $433M+13.6%
Total Assets

$1.88B

Previous: $1.7B+10.5%

Revenue & EPS history

Timberland · Revenue · Quarterly

$16M

Q2 2022-8.5%vs Q2 2021

Revenue by segment

Timberland · $3.78M total across 5 segments · Q1 2020

  • Deposit Charges
    $1.2M
  • Card Fees
    $1.09M
  • Loan Sales
    $953K
  • Other
    $390K
  • BOLI Income
    $147K

Forward guidance

Timberland is positioned to benefit from Federal Reserve actions to increase interest rates and anticipates continued opportunities to invest excess liquidity.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2022

Historical avgQ2 2022

+1.3%

Avg return

Earnings day

+2.0%

Avg return

5 days after

+2.7%

Avg return

30 days after

63%

41 / 65 earnings

Positive

+13.8%

Q2 2020

Best reaction

-3.8%

Q2 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2026+0.9%+3.3%+1.4%
Q1 2026+2.2%+4.5%+1.8%
Q4 2025+3.6%+2.0%+8.3%
Q3 2025+5.7%+2.7%+3.4%
Q2 2025-2.1%+0.8%-2.5%
Q1 2025+1.7%+1.7%+7.2%
Q4 2024+0.3%+3.9%+7.6%
Q3 2024+3.8%+5.5%+6.3%
Q2 2024+5.0%+0.7%+0.7%
Q1 2024-0.1%-0.5%-9.6%
Q4 2023+1.8%+6.3%+5.6%
Q3 2023+6.9%+9.3%-0.7%
Q2 2023-3.2%-4.1%-12.3%
Q1 2023+0.3%-0.5%+2.6%
Q4 2022+3.3%+13.4%+18.4%
Q3 2022+1.8%+1.0%+5.0%
Q2 2022+0.5%+1.6%-2.2%
Q1 2022-1.6%-4.0%-4.3%
Q4 2021-0.4%-0.4%-0.5%
Q3 2021+2.1%+1.9%+3.1%
Q2 2021+1.5%+1.4%+5.8%
Q1 2021-1.5%-9.2%+1.4%
Q4 2020+4.0%+16.2%+33.5%
Q3 2020+3.9%+0.1%+4.8%
Q2 2020+13.8%+6.2%+5.6%
Q1 2020+0.5%-1.2%-11.1%
Q4 2019+1.1%+6.6%+11.8%
Q3 2019+4.9%+6.5%-3.8%
Q2 2019+1.8%+3.3%-17.8%
Q1 2019+4.2%+7.2%+15.2%
Q4 2018+1.8%+1.1%-2.5%
Q3 2018-0.4%-1.2%-5.9%
Q2 2018-1.5%-1.6%+0.7%
Q1 2018-2.2%-2.9%+2.0%
Q4 2017-3.7%-6.1%-8.0%
Q3 2017+5.5%+6.5%+7.3%
Q2 2017-0.8%-2.0%+0.4%
Q1 2017+1.9%+2.2%+10.5%
Q4 2016-0.5%+0.7%+18.3%
Q3 2016-2.6%-1.4%-1.4%
Q2 2016-0.2%
Q4 2015+10.4%
Q3 2015+2.2%
Q2 2015+2.7%
Q1 2015+2.8%
Q4 2014-1.3%
Q3 2014+3.7%
Q2 2014+0.5%
Q1 2014+3.9%
Q4 2013-2.6%
Q3 2013-0.5%
Q2 2013+0.6%
Q1 2013+2.8%
Q4 2010+0.2%
Q4 2012+0.0%
Q3 2012-1.5%
Q2 2011+1.8%
Q2 2012+1.8%
Q1 2012-0.9%
Q1 2010-0.9%
Q4 2009+0.3%
Q4 2011+0.3%
Q3 2011-0.4%
Q3 2010-0.4%
Q2 2010-3.8%

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