Contrasting Timberland Bancorp (NASDAQ:TSBK) & Peoples-Sidney Financial (OTCMKTS:PPSF)

Timberland Bancorp (NASDAQ:TSBK) and Peoples-Sidney Financial (OTCMKTS:PPSF) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, dividends, analyst recommendations, valuation and risk.

Earnings & Valuation

This table compares Timberland Bancorp and Peoples-Sidney Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Timberland Bancorp	$80.43 million	3.96	$29.16 million	$3.91	10.32
Peoples-Sidney Financial	N/A	N/A	N/A	N/A	N/A

Timberland Bancorp has higher revenue and earnings than Peoples-Sidney Financial.

Analyst Ratings

This is a summary of current recommendations and price targets for Timberland Bancorp and Peoples-Sidney Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Timberland Bancorp	0	0	1	0	3.00
Peoples-Sidney Financial	0	0	0	0	0.00

Profitability

This table compares Timberland Bancorp and Peoples-Sidney Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Timberland Bancorp	26.22%	11.77%	1.55%
Peoples-Sidney Financial	N/A	N/A	N/A

Insider and Institutional Ownership

65.5% of Timberland Bancorp shares are held by institutional investors. 3.6% of Timberland Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Timberland Bancorp beats Peoples-Sidney Financial on 8 of the 8 factors compared between the two stocks.

About Timberland Bancorp

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, and commercial real estate loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, land development, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.

About Peoples-Sidney Financial

Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides financial services. Its deposit products include checking, savings, term certificate, NOW, and money market accounts, as well as non interest-bearing demand deposits, certificates of deposit, and IRAs. The company's lending products comprise residential mortgage loans, including conventional, purchase, refinance, second mortgage, home equity, construction, construction for permanent financing, home improvement, FHA, USDA, and VA loans; land loans; commercial business loans comprising business lines of credit, commercial real estate, investment property, and equipment purchase loans; personal loans, such as vehicle, vacation, recreational vehicle, boat, motorcycle, and credit card consolidation loans; and agriculture loans, such as farm real estate loans, loans for equipment purchases, and farm operating lines of credit. It also offers night depository, safety deposit box, notary, reorder checks, online and mobile banking, debit card, wire transfer, and direct deposit services. The company operates through its main office in Sidney, Ohio; and branch offices in Sidney, Anna, and Jackson Center, Ohio. Peoples-Sidney Financial Corporation was founded in 1886 and is based in Sidney, Ohio.