Timberland Bancorp Inc (TSBK) — Cash Flow Quality Index
Timberland Bancorp Inc (TSBK) has a Cash Flow Quality Index of 0.74x as of December 2025. Operating cash flow of $6.08 Million is below net income of $8.22 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of Timberland Bancorp Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Timberland Bancorp Inc Cash Flow Quality Index (1997–2025)
Historical Cash Flow Quality Index for Timberland Bancorp Inc across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does Timberland Bancorp Inc generate cash.
Annual Cash Flow Quality Index for Timberland Bancorp Inc (1997–2025)
Year-by-year earnings quality comparison for Timberland Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.03x | $30.16 Million | $29.16 Million | ▲ +9.1% |
| 2024 | 0.95x | $23.02 Million | $24.28 Million | ▼ -17.1% |
| 2023 | 1.14x | $31.00 Million | $27.12 Million | ▲ +1.8% |
| 2022 | 1.12x | $26.50 Million | $23.60 Million | ▲ +4.5% |
| 2021 | 1.07x | $29.64 Million | $27.58 Million | ▼ -23.0% |
| 2020 | 1.40x | $33.86 Million | $24.27 Million | ▲ +85.0% |
| 2019 | 0.75x | $18.11 Million | $24.02 Million | ▼ -41.2% |
| 2018 | 1.28x | $21.45 Million | $16.72 Million | ▲ +31.1% |
| 2017 | 0.98x | $13.86 Million | $14.17 Million | ▼ -15.9% |
| 2016 | 1.16x | $11.82 Million | $10.15 Million | ▲ +26.6% |
| 2015 | 0.92x | $7.62 Million | $8.29 Million | ▼ -37.6% |
| 2014 | 1.47x | $8.62 Million | $5.85 Million | ▼ -39.4% |
| 2013 | 2.43x | $11.57 Million | $4.76 Million | ▼ -27.4% |
| 2012 | 3.35x | $15.39 Million | $4.59 Million | ▼ -65.9% |
| 2011 | 9.82x | $10.70 Million | $1.09 Million | ▲ +295.5% |
| 2008 | 2.48x | $9.95 Million | $4.00 Million | ▲ +78.0% |
| 2007 | 1.40x | $11.39 Million | $8.16 Million | ▲ +46.7% |
| 2006 | 0.95x | $7.76 Million | $8.16 Million | ▼ -17.1% |
| 2005 | 1.15x | $7.60 Million | $6.62 Million | ▼ -14.5% |
| 2004 | 1.34x | $7.50 Million | $5.59 Million | ▼ -8.5% |
| 2003 | 1.47x | $9.75 Million | $6.64 Million | ▼ -9.0% |
| 2002 | 1.61x | $11.12 Million | $6.89 Million | ▲ +11.7% |
| 2001 | 1.44x | $7.88 Million | $5.46 Million | ▲ +462.3% |
| 2000 | 0.26x | $1.51 Million | $5.90 Million | ▲ +118.8% |
| 1999 | -1.37x | $-7.10 Million | $5.20 Million | ▼ -970.4% |
| 1998 | 0.16x | $800.00K | $5.10 Million | ▼ -90.6% |
| 1997 | 1.68x | $5.58 Million | $3.33 Million | — |