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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.Q3 2025 earnings summary22 Jul, 2025
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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Next Timberland Bancorp earnings date
Q4 202529 Oct, 2025
Next Timberland Bancorp earnings date
Q4 202529 Oct, 2025
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Frequently asked questions
Timberland Bancorp, Inc. is the holding company for Timberland Bank, a community-oriented bank providing a range of banking services primarily to individuals and small to medium-sized businesses. The bank offers traditional financial products, including checking and savings accounts, mortgage and consumer loans, as well as commercial real estate and business lending. It also provides online and mobile banking services to enhance customer convenience. Timberland Bancorp operates through multiple branch locations, mainly serving communities in western Washington. The company is headquartered in Hoquiam, Washington, and its shares are listed on the NASDAQ.
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