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TSBK

Timberland BancorpD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Sustained NIM expansion, stable deposits, and successful capital actions drive EPS growth and multiple expansion toward regional peers, supporting the bull target (45.0).
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Deposit outflows from local competition or rate moves
Momentum
17
Value
59
Sentiment
44
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.00 · Bull $45.00 · Bear $25.00Analysis 2026-01-16; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-16 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Why
Momentum17 · Δ7d -
Value59 · Δ7d -0.0
Sentiment44 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Deposit outflows from local competition or rate moves
  • • Deterioration in commercial real-estate or CRE loan book
  • • Prolonged deposit outflows or unexpected credit losses force higher provisions and multiple compression, pushing the stock toward the bear target (25.0).

Catalyst clock

2026-03-31

New analyst coverage or published price targets

Lead driver: Sentiment · See AI snapshot
Momentum
17
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
59
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
44
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade D. Momentum 17.4 / Value 58.8 / Sentiment 44.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-16. Scenario method

B+
Bull case
20%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-01-16 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$35.00
Analysis reference price unavailable
Analysis 2026-01-16 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-01-16 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$356.67M
Beta
0.35
Shares Out
7.78M
P/E (TTM)
9.8
P/S (TTM)
3.45
P/FCF (TTM)
14.00
Rev YoY
+4.3%
EPS YoY
+9.7%
Gross Margin
-
Op Margin
+32.9%
Net Debt
-$572K
Current Ratio
0.23
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data