Bank of Queensland (OTCMKTS:BKQNY) & Timberland Bancorp (NASDAQ:TSBK) Critical Comparison

Bank of Queensland (OTCMKTS:BKQNY) and Timberland Bancorp (NASDAQ:TSBK) are both financial services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, valuation, analyst recommendations and dividends.

Valuation and Earnings

This table compares Bank of Queensland and Timberland Bancorp’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of Queensland	N/A	N/A	N/A	$1.52	4.76
Timberland Bancorp	$91.09 million	2.62	$27.12 million	$3.28	8.99

Timberland Bancorp has higher revenue and earnings than Bank of Queensland. Bank of Queensland is trading at a lower price-to-earnings ratio than Timberland Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

63.1% of Timberland Bancorp shares are owned by institutional investors. 5.6% of Timberland Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Bank of Queensland and Timberland Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank of Queensland	N/A	N/A	N/A
Timberland Bancorp	29.77%	11.96%	1.50%

Dividends

Bank of Queensland pays an annual dividend of $1.14 per share and has a dividend yield of 15.8%. Timberland Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 3.1%. Bank of Queensland pays out 75.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Timberland Bancorp pays out 28.0% of its earnings in the form of a dividend. Timberland Bancorp has raised its dividend for 11 consecutive years.

Analyst Recommendations

This is a breakdown of recent ratings for Bank of Queensland and Timberland Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of Queensland	1	2	0	0	1.67
Timberland Bancorp	0	0	0	0	N/A

Summary

Timberland Bancorp beats Bank of Queensland on 10 of the 11 factors compared between the two stocks.

About Bank of Queensland

Bank of Queensland Limited, together with its subsidiaries, provides various financial services in Australia and New Zealand. The company operates in Retail Banking, BOQ Business, and Other segments. It offers personal banking services comprises savings and term deposits, and transactional accounts; debit and credit cards; home, personal, and car loans; and travel, home and content, landlord, and car insurance, as well as investment services comprising online share trading services, and self-managed superannuation funds. The company's business banking services include transaction accounts, and savings and investment accounts; loans and finance products, such as business loans, equipment and vehicle finance, and dealer finance; merchant and payment products; and financial market and international services. It also offers Internet and mobile banking services. The company was founded in 1874 and is headquartered in Newstead, Australia.

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, commercial real estate, construction, custom and owner/builder construction, speculative one- to four-family construction, commercial construction, multi-family construction, land development construction, and land development loans. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans; and automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans, as well as commercial business loans. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.