Timberland Bancorp Q3: EPS $0.98, NIM Expands to 3.85%, Dividend Raised 3%
TSBK sits 47% above its 52-week low of $30.52 on light trading volume (0.2× avg).
Summary
Timberland Bancorp reported Q3 fiscal 2026 net income of $7.72 million ($0.98 EPS), a 9% increase year-over-year, driven by loan growth and a higher net interest margin. The quarterly dividend was raised 3% to $0.30 per share.
Key Events · Earnings and Guidance · TSBK
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Q3 Earnings Beat
Net income of $7.72M ($0.98 EPS) rose 9% YoY, exceeding the prior quarter's $7.13M ($0.90 EPS).
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Margin Expansion
Net interest margin improved to 3.85% from 3.81% last quarter and 3.80% a year ago, aided by higher loan yields and lower deposit costs.
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Dividend Increase
Quarterly cash dividend raised 3% to $0.30 per share, payable August 24 to shareholders of record August 10.
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Share Repurchases
70,000 shares repurchased during the quarter at an average price of $40.49, totaling $2.83 million.
Analysis · TSBK · Finance
A clean quarter from Timberland Bancorp saw net income climb 9% year-over-year to $7.72 million, or $0.98 per diluted share. The net interest margin expanded to 3.85%, while the efficiency ratio improved to 53.40%. Signaling confidence in the earnings trajectory, the board raised the quarterly dividend by 3% to $0.30 per share. During the quarter, the company also repurchased 70,000 shares for $2.83 million. With the stock trading near its 52-week high, these results reinforce the positive momentum but leave limited room for upside surprises.
At the time of this filing, TSBK was trading at $44.94 on NASDAQ in the Finance sector, with a market capitalization of approximately $351.8M. The 52-week trading range was $30.52 to $45.64. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.