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Timberland Bancorp (TSBK) investor relations material
Timberland Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income rose 19.9% year-over-year to $7.10 million for the quarter ended June 30, 2025, and 15.6% to $20.72 million for the nine months, driven by higher net interest income and stable asset quality.
Diluted EPS increased 22% year-over-year to $0.90 and 6% sequentially.
Shareholders' equity grew 4.6% to $256.66 million, reflecting strong earnings, partially offset by dividends and share repurchases.
Board declared a $0.26 per share quarterly dividend, marking 51 consecutive quarters of dividends.
New stock repurchase program announced, authorizing buyback of up to 5% of outstanding shares.
Financial highlights
Net interest income for the quarter increased 10.3% year-over-year to $17.62 million; net interest margin expanded to 3.80% from 3.53%.
Non-interest income rose 3.0% to $2.88 million for the quarter, with gains in loan sales and investment securities offsetting lower deposit service charges.
Non-interest expense increased 0.9% to $11.17 million for the quarter, with higher state/local taxes and card expenses offset by lower salaries and technology costs.
Efficiency ratio improved to 54.48% for the quarter from 58.97% a year ago.
Net loans receivable grew 2% sequentially and 3% year-over-year to $1.44 billion.
Outlook and guidance
Management expects continued disciplined loan growth funded by core deposits, with a focus on maintaining strong capital and liquidity.
The company plans to continue quarterly dividends and has authorized a new stock repurchase program for up to 5% of outstanding shares.
Capital expenditures are projected for branch expansion and technology enhancements in the remainder of fiscal 2025.
Focus remains on maintaining a balanced funding mix and stable margin performance.
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