NASDAQ$TSBK

Timberland Bancorp Inc · Q4 2024 earnings

Q4 2024 earnings · · Investor relations

Briefing

Timberland Bancorp reported net income for the fourth fiscal quarter, with increased EPS and net income compared to the preceding quarter.

Timberland Bancorp reported a net income of $6.36 million, or $0.79 per diluted common share, for the quarter ended September 30, 2024. This represents an increase in net income and EPS compared to the prior quarter, driven by an improvement in net interest margin and higher non-interest income. The Board of Directors announced a 4% increase to the quarterly cash dividend to shareholders.

  • Net income increased 7% to $6.36 million for the current quarter from $5.92 million for the preceding quarter.
  • Earnings per diluted common share increased 7% to $0.79 for the current quarter from $0.74 for the preceding quarter.
  • Net interest margin expanded to 3.58% for the current quarter from 3.53% for the preceding quarter.
  • Total deposits increased 1% from the prior quarter and increased 6% year-over-year.

Headline financials

Total Revenue

$19.5M

Previous: $19.8M-1.4%
EPS (adj)

$0.79

Previous: $0.81-2.5%
Net Interest Margin

3.6%

Previous: 3.9%-7.0%
Efficiency Ratio

56.8%

Previous: 55.5%+2.3%
Return on Avg. Assets

1.3%

Previous: 1.4%-9.0%
Return on Avg. Equity

10.4%

Previous: 11.5%-9.5%
Tier 1 Leverage Capital

12.1%

No prior period
Total Risk-Based Capital

19.4%

No prior period
Non-perf. Assets to Total

0.2%

No prior period
Capital Expenditures

-$299K

Previous: $395K-175.7%
Net Income

$6.36M

Previous: $6.64M-4.3%
Operating Income

$7.93M

Previous: $8.27M-4.1%

Revenue & EPS history

Timberland · Revenue · Quarterly

$19.5M

Q4 2024-1.4%vs Q4 2023

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

This document does not contain forward guidance.

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 Q4 2024

Historical avgQ4 2024

+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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