DDM Analysis: TSBK

Valuation Snapshot

Stable Growth	$165.87 - $729.27	$394.63
Multi-Stage	$84.52 - $92.47	$88.42
Blended Fair Value	$241.53
Current Price	$33.28
Upside	625.74%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	2.68%	16.92%	1.02	0.96	1.04	0.91	1.08	0.89	0.82	0.56	0.46	0.32
YoY Growth	-	-	5.69%	-7.46%	14.31%	-15.80%	21.26%	9.05%	46.58%	21.70%	41.23%	52.27%
Dividend Yield	-	-	3.05%	3.15%	3.30%	2.66%	3.90%	3.67%	2.75%	2.50%	1.72%	1.57%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	29.16
(-) Cash Dividends Paid (M)	7.94
(=) Cash Retained (M)	21.22

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5.83	3.65	2.19
Cash Retained (M)	21.22	21.22	21.22
(-) Cash Required (M)	-5.83	-3.65	-2.19
(=) Excess Retained (M)	15.39	17.57	19.03
(/) Shares Outstanding (M)	7.95	7.95	7.95
(=) Excess Retained per Share	1.93	2.21	2.39
LTM Dividend per Share	1.00	1.00	1.00
(+) Excess Retained per Share	1.93	2.21	2.39
(=) Adjusted Dividend	2.93	3.21	3.39
WACC / Discount Rate	7.37%	7.37%	7.37%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$165.87	$394.63	$729.27
Upside / Downside	398.39%	1,085.78%	2,091.31%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	29.16	31.06	33.08	35.23	37.52	39.95	41.15
Payout Ratio	27.24%	39.79%	52.34%	64.90%	77.45%	90.00%	92.50%
Projected Dividends (M)	7.94	12.36	17.31	22.86	29.06	35.96	38.07

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.37%	7.37%	7.37%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	11.40	11.51	11.62
Year 2 PV (M)	14.74	15.02	15.30
Year 3 PV (M)	17.96	18.47	19.00
Year 4 PV (M)	21.06	21.87	22.70
Year 5 PV (M)	24.04	25.20	26.41
PV of Terminal Value (M)	582.98	611.13	640.37
Equity Value (M)	672.17	703.21	735.40
Shares Outstanding (M)	7.95	7.95	7.95
Fair Value	$84.52	$88.42	$92.47
Upside / Downside	153.97%	165.70%	177.86%

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Timberland Bancorp, Inc. (TSBK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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