Timberland Bancorp (TSBK) Cash Flow: Operating & Free Cash Flow

Timberland Bancorp (TSBK) Cash Flow Statement

In fiscal 2025 (fiscal year ended Sep 30, 2025), Timberland Bancorp generated $30.16M of operating cash flow and spent $1.74M on capital expenditures. That left free cash flow of $28.42M, up 30.9% from $21.71M a year earlier, or 36.2% of revenue. It returned $13.84M to shareholders through $8.09M in dividends and $5.76M in share buybacks.

Timberland Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Timberland Bancorp, Inc. (TSBK) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017
Operating Activities
Net Income	29.16	24.28	27.12	23.60	27.58	24.27	24.02	16.72	14.17
Depreciation & Amortization	1.72	1.69	2.66	2.84	3.04	2.82	2.70	1.78	1.75
Deferred Income Tax	-0.38	-0.38	-0.29	-0.18	0.28	0.08	0.70	0.80	0.39
Stock Based Compensation	0.54	0.39	0.32	0.25	0.17	0.21	0.60	1.05	0.76
Change in Working Capital	1.64	-3.60	0.81	-1.90	-1.70	2.47	-3.32	0.00	-1.37
Change in Other Working Capital	1.64	-3.60	-0.11	-1.90	-1.70	2.47	-3.32	0.00	-1.37
Other Operating Activities	-3.21	-1.61	-0.11	1.90	0.27	4.01	-6.60	1.10	-1.83
Net Cash from Operating Activities	30.16	23.02	31.00	26.50	29.64	33.86	18.11	21.45	13.86
Investing Activities
Capital Expenditures	-1.74	-1.31	-1.11	-0.91	-0.90	-1.99	-2.15	-2.19	-3.53
Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00	14.28	0.00	0.00
Purchases of Investments	-52.89	-44.95	-32.60	-208.78	-71.75	-51.47	-34.08	-6.07	-3.00
Sales/Maturities of Investments	83.05	114.99	29.49	32.11	25.17	19.62	18.47	0.60	0.68
Other Investing Activities	3.48	-114.53	-166.01	-157.58	84.92	-120.84	-41.07	-60.61	-14.31
Net Cash from Investing Activities	-8.25	-45.80	-170.22	-335.16	37.45	-154.67	-44.55	-68.27	-20.16
Financing Activities
Debt Repayment	0.00	-15.00	35.00	-5.00	-5.00	10.00	0.00	0.00	-30.00
Common Stock Issued	1.67	0.66	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Common Stock Repurchased	5.76	5.96	-5.00	-4.58	-0.53	-1.24	-0.50	0.00	0.00
Dividends Paid	-8.09	-7.65	-8.27	-7.23	-8.59	-7.08	-6.50	-4.43	-3.64
Other Financing Activities	70.63	87.39	-70.54	62.04	212.78	290.57	27.58	51.93	79.19
Net Cash from Financing Activities	56.79	58.78	-48.81	45.22	198.66	292.25	20.59	47.50	45.55
Summary
Net Change in Cash	78.70	36.01	-188.03	-263.44	265.74	171.44	-5.85	0.68	39.25
Cash at Beginning of Period	164.73	128.72	316.76	580.20	314.45	143.02	148.86	148.19	108.94
Cash at End of Period	243.43	164.73	128.72	316.76	580.20	314.45	143.02	148.86	148.19
Free Cash Flow	28.42	21.71	29.89	25.59	28.74	31.87	15.96	19.26	10.33
Supplemental Disclosures
Interest Paid	32.25	29.92	10.30	2.70	3.24	-	-	-	-
Income Taxes Paid	7.66	6.49	6.99	5.45	5.97	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Timberland Bancorp Cash Flow

What is Timberland Bancorp's free cash flow?

Timberland Bancorp generated free cash flow of $28.42M in fiscal 2025 (fiscal year ended Sep 30, 2025), operating cash flow of $30.16M minus $1.74M of capital expenditures. That was up 30.9% from $21.71M a year earlier. Free cash flow equaled 36.2% of revenue.

How much does Timberland Bancorp spend on capital expenditures?

Timberland Bancorp spent $1.74M on capital expenditures in fiscal 2025, compared with $1.31M a year earlier. That equals 5.8% of operating cash flow.

Does Timberland Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Timberland Bancorp returned $8.09M in dividends and $5.76M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition