COMP <GO>
TSBK vs PBFS // GROSS PROFIT MARGIN
Timberland Bancorp Inc. (NASDAQ) VS. Pioneer Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: TSBK 5
— PBFS 1
■ METRIC PARITY
LAST: $46.82 (-0.93%) • MKT CAP: $367.5M
gross-margins
—
LAST: $18.03 (-0.50%) • MKT CAP: $450.1M
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TSBK VS. PBFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TSBK | PBFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.90% | 6.30% | +4.60 | TSBK | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.73% | 2.47% | +5.26 | TSBK | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 5.80% | — | 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 | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.4 | 56.3 | +3.10 | TSBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.7x | 20.6x | -8.90 | TSBK | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $367.5M | $450.1M | -$82.7M | PBFS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TSBK REV | PBFS REV | TSBK GROSS % | PBFS GROSS % | TSBK FCF | PBFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $15.8M | — | — | $28.4M | $11.1M |
| FY 2024 | $0 | $15.0M | — | — | $21.7M | $23.0M |
| FY 2023 | $0 | $13.0M | — | — | $31.0M | $26.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TSBK // BETA —
PBFS // BETA —