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Side-by-side financial comparison of TIMBERLAND BANCORP INC (TSBK) and Usio, Inc. (USIO). Click either name above to swap in a different company.
Usio, Inc. is the larger business by last-quarter revenue ($22.2M vs $21.7M, roughly 1.0× TIMBERLAND BANCORP INC). TIMBERLAND BANCORP INC runs the higher net margin — 37.8% vs -6.7%, a 44.6% gap on every dollar of revenue. On growth, TIMBERLAND BANCORP INC posted the faster year-over-year revenue change (10.4% vs 8.2%). TIMBERLAND BANCORP INC produced more free cash flow last quarter ($5.6M vs $1.1M). Over the past eight quarters, TIMBERLAND BANCORP INC's revenue compounded faster (9.1% CAGR vs 3.0%).
Timberland Bancorp Inc is a U.S.-based bank holding company operating primarily across Washington state. It provides a full range of personal and commercial banking services including checking and savings accounts, residential and commercial mortgages, small business loans, and wealth management solutions for local retail and small to mid-sized business clients.
Usio, Inc. is an American financial technology company headquartered in San Antonio, Texas. It provides integrated electronic payment services, including ACH processing, credit card and debit card acceptance, payment facilitation for software platforms, prepaid card issuing and a document print and mail operation.
TSBK vs USIO — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.7M | $22.2M |
| Net Profit | $8.2M | $-1.5M |
| Gross Margin | — | 21.9% |
| Operating Margin | — | -5.7% |
| Net Margin | 37.8% | -6.7% |
| Revenue YoY | 10.4% | 8.2% |
| Net Profit YoY | 19.8% | -337.8% |
| EPS (diluted) | $1.04 | $-0.05 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $21.7M | $22.2M | ||
| Q3 25 | $22.5M | $21.2M | ||
| Q2 25 | $20.5M | $20.0M | ||
| Q1 25 | $19.9M | $22.0M | ||
| Q4 24 | $19.7M | $20.6M | ||
| Q3 24 | $19.5M | $21.3M | ||
| Q2 24 | $18.8M | $20.1M | ||
| Q1 24 | $18.3M | $21.0M |
| Q4 25 | $8.2M | $-1.5M | ||
| Q3 25 | $8.4M | $-415.1K | ||
| Q2 25 | $7.1M | $-366.7K | ||
| Q1 25 | $6.8M | $-235.0K | ||
| Q4 24 | $6.9M | $628.9K | ||
| Q3 24 | $6.4M | $2.9M | ||
| Q2 24 | $5.9M | $75.5K | ||
| Q1 24 | $5.7M | $-250.2K |
| Q4 25 | — | 21.9% | ||
| Q3 25 | — | 23.0% | ||
| Q2 25 | — | 25.8% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 23.0% | ||
| Q2 24 | — | 23.9% | ||
| Q1 24 | — | 23.1% |
| Q4 25 | — | -5.7% | ||
| Q3 25 | — | -2.2% | ||
| Q2 25 | — | -2.0% | ||
| Q1 25 | — | -1.1% | ||
| Q4 24 | — | -2.9% | ||
| Q3 24 | — | -1.8% | ||
| Q2 24 | — | -1.0% | ||
| Q1 24 | — | -1.3% |
| Q4 25 | 37.8% | -6.7% | ||
| Q3 25 | 37.6% | -2.0% | ||
| Q2 25 | 34.6% | -1.8% | ||
| Q1 25 | 33.9% | -1.1% | ||
| Q4 24 | 34.9% | 3.1% | ||
| Q3 24 | 32.6% | 13.4% | ||
| Q2 24 | 31.6% | 0.4% | ||
| Q1 24 | 31.3% | -1.2% |
| Q4 25 | $1.04 | $-0.05 | ||
| Q3 25 | $1.06 | $-0.02 | ||
| Q2 25 | $0.90 | $-0.01 | ||
| Q1 25 | $0.85 | $-0.01 | ||
| Q4 24 | $0.86 | $0.03 | ||
| Q3 24 | $0.80 | $0.10 | ||
| Q2 24 | $0.74 | $0.00 | ||
| Q1 24 | $0.70 | $-0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $246.9M | $7.4M |
| Total DebtLower is stronger | — | $1.4M |
| Stockholders' EquityBook value | $268.4M | $17.9M |
| Total Assets | $2.0B | $134.9M |
| Debt / EquityLower = less leverage | — | 0.08× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $246.9M | $7.4M | ||
| Q3 25 | $243.4M | $7.7M | ||
| Q2 25 | $193.6M | $8.1M | ||
| Q1 25 | $191.2M | $8.7M | ||
| Q4 24 | $164.1M | $8.1M | ||
| Q3 24 | $164.7M | $8.4M | ||
| Q2 24 | $158.9M | $7.2M | ||
| Q1 24 | $180.3M | $7.1M |
| Q4 25 | — | $1.4M | ||
| Q3 25 | — | $836.7K | ||
| Q2 25 | — | $647.1K | ||
| Q1 25 | — | $683.3K | ||
| Q4 24 | — | $719.4K | ||
| Q3 24 | — | $562.9K | ||
| Q2 24 | — | $597.2K | ||
| Q1 24 | — | $630.9K |
| Q4 25 | $268.4M | $17.9M | ||
| Q3 25 | $262.6M | $18.7M | ||
| Q2 25 | $256.7M | $18.7M | ||
| Q1 25 | $252.5M | $19.0M | ||
| Q4 24 | $249.2M | $19.2M | ||
| Q3 24 | $245.4M | $18.9M | ||
| Q2 24 | $241.2M | $15.7M | ||
| Q1 24 | $238.7M | $15.3M |
| Q4 25 | $2.0B | $134.9M | ||
| Q3 25 | $2.0B | $99.4M | ||
| Q2 25 | $2.0B | $108.4M | ||
| Q1 25 | $1.9B | $109.6M | ||
| Q4 24 | $1.9B | $107.2M | ||
| Q3 24 | $1.9B | $114.6M | ||
| Q2 24 | $1.9B | $108.8M | ||
| Q1 24 | $1.9B | $99.1M |
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.03× | ||
| Q2 24 | — | 0.04× | ||
| Q1 24 | — | 0.04× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $6.1M | $1.5M |
| Free Cash FlowOCF − Capex | $5.6M | $1.1M |
| FCF MarginFCF / Revenue | 25.7% | 4.8% |
| Capex IntensityCapex / Revenue | 2.3% | 2.0% |
| Cash ConversionOCF / Net Profit | 0.74× | — |
| TTM Free Cash FlowTrailing 4 quarters | $56.5M | $1.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.1M | $1.5M | ||
| Q3 25 | $30.2M | $303.8K | ||
| Q2 25 | $10.8M | $-263.9K | ||
| Q1 25 | $12.4M | $1.4M | ||
| Q4 24 | $-3.1M | $2.9M | ||
| Q3 24 | $23.0M | $1.4M | ||
| Q2 24 | $7.4M | $369.1K | ||
| Q1 24 | $4.1M | $88.7K |
| Q4 25 | $5.6M | $1.1M | ||
| Q3 25 | $28.4M | $85.2K | ||
| Q2 25 | $10.3M | $-503.2K | ||
| Q1 25 | $12.2M | $1.1M | ||
| Q4 24 | $-3.6M | $2.7M | ||
| Q3 24 | $21.7M | $1.4M | ||
| Q2 24 | $7.2M | $246.3K | ||
| Q1 24 | $3.6M | $-88.1K |
| Q4 25 | 25.7% | 4.8% | ||
| Q3 25 | 126.4% | 0.4% | ||
| Q2 25 | 50.5% | -2.5% | ||
| Q1 25 | 61.1% | 4.8% | ||
| Q4 24 | -18.1% | 13.1% | ||
| Q3 24 | 111.5% | 6.4% | ||
| Q2 24 | 38.4% | 1.2% | ||
| Q1 24 | 19.8% | -0.4% |
| Q4 25 | 2.3% | 2.0% | ||
| Q3 25 | 7.7% | 1.0% | ||
| Q2 25 | 2.1% | 1.2% | ||
| Q1 25 | 1.0% | 1.4% | ||
| Q4 24 | 2.6% | 1.0% | ||
| Q3 24 | 6.7% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% | ||
| Q1 24 | 2.7% | 0.8% |
| Q4 25 | 0.74× | — | ||
| Q3 25 | 3.57× | — | ||
| Q2 25 | 1.52× | — | ||
| Q1 25 | 1.83× | — | ||
| Q4 24 | -0.45× | 4.61× | ||
| Q3 24 | 3.62× | 0.50× | ||
| Q2 24 | 1.25× | 4.89× | ||
| Q1 24 | 0.72× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
TSBK
Segment breakdown not available.
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
