COMP <GO>

TSBK vs AVBC // PIOTROSKI F-SCORE QUALITY

Timberland Bancorp Inc. (NASDAQ) VS. Avidia Bancorp Inc. (NYSE) • 15-METRIC TALLY: TSBK 4 — AVBC 2

▲ PIOTROSKI F-SCORE QUALITY LEADER: TSBK

LAST: $47.26 (+0.38%) • MKT CAP: $367.5M

piotroski-score

5/9

LAST: $23.54 (+1.20%) • MKT CAP: $470.1M

piotroski-score

3/9

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TSBK VS. AVBC) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	TSBK	AVBC	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	10.90%	-0.90%	+11.80	TSBK	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	7.73%	5.12%	+2.61	TSBK	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.20%	0.00%	+2.20	TSBK	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality ACTIVE	5/9	3/9	+2.00	TSBK	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	56.3	74.1	-17.85	AVBC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	11.7x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$367.5M	$470.1M	-$102.6M	AVBC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	TSBK REV	AVBC REV	TSBK GROSS %	AVBC GROSS %	TSBK FCF	AVBC FCF
FY 2025	$0	$0	—	—	$28.4M	$24.1M
FY 2024	$0	$0	—	—	$21.7M	$20.4M
FY 2023	$0	—	—	—	$31.0M	—

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

TSBK // BETA —

AVBC // BETA —