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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.19
TBNK's Cash to Debt is ranked lower than
59% of the 1178 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. TBNK: 1.19 )
Ranked among companies with meaningful Cash to Debt only.
TBNK' s Cash to Debt Range Over the Past 10 Years
Min: 0.19  Med: 6.41 Max: No Debt
Current: 1.19
Equity to Asset 0.12
TBNK's Equity to Asset is ranked higher than
65% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. TBNK: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
TBNK' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.14 Max: 0.16
Current: 0.12
0.07
0.16
Interest Coverage 3.62
TBNK's Interest Coverage is ranked higher than
72% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. TBNK: 3.62 )
Ranked among companies with meaningful Interest Coverage only.
TBNK' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.90 Max: 3.77
Current: 3.62
0.26
3.77
F-Score: 4
M-Score: -2.63
WACC vs ROIC
4.58%
6.75%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 40.27
TBNK's Operating margin (%) is ranked higher than
72% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.83 vs. TBNK: 40.27 )
Ranked among companies with meaningful Operating margin (%) only.
TBNK' s Operating margin (%) Range Over the Past 10 Years
Min: 25.83  Med: 37.99 Max: 40.08
Current: 40.27
25.83
40.08
Net-margin (%) 24.26
TBNK's Net-margin (%) is ranked higher than
56% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.36 vs. TBNK: 24.26 )
Ranked among companies with meaningful Net-margin (%) only.
TBNK' s Net-margin (%) Range Over the Past 10 Years
Min: 17.77  Med: 22.78 Max: 25.59
Current: 24.26
17.77
25.59
ROE (%) 6.85
TBNK's ROE (%) is ranked lower than
61% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.33 vs. TBNK: 6.85 )
Ranked among companies with meaningful ROE (%) only.
TBNK' s ROE (%) Range Over the Past 10 Years
Min: 4.93  Med: 6.58 Max: 7.51
Current: 6.85
4.93
7.51
ROA (%) 0.84
TBNK's ROA (%) is ranked lower than
53% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. TBNK: 0.84 )
Ranked among companies with meaningful ROA (%) only.
TBNK' s ROA (%) Range Over the Past 10 Years
Min: 0.5  Med: 0.84 Max: 0.95
Current: 0.84
0.5
0.95
Revenue Growth (3Y)(%) 5.30
TBNK's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. TBNK: 5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TBNK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.05 Max: 13.3
Current: 5.3
0
13.3
EBITDA Growth (3Y)(%) 5.50
TBNK's EBITDA Growth (3Y)(%) is ranked lower than
52% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. TBNK: 5.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TBNK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.85 Max: 23.5
Current: 5.5
0
23.5
EPS Growth (3Y)(%) 3.10
TBNK's EPS Growth (3Y)(%) is ranked lower than
64% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. TBNK: 3.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TBNK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.05 Max: 23.7
Current: 3.1
0
23.7
» TBNK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

TBNK Guru Trades in Q2 2015

Charles Brandes 131,380 sh (+9.22%)
Jim Simons 334,297 sh (+5.76%)
» More
Q3 2015

TBNK Guru Trades in Q3 2015

Jim Simons 412,400 sh (+23.36%)
Charles Brandes 86,955 sh (-33.81%)
» More
Q4 2015

TBNK Guru Trades in Q4 2015

Jim Simons 426,300 sh (+3.37%)
Charles Brandes 81,386 sh (-6.40%)
» More
Q1 2016

TBNK Guru Trades in Q1 2016

Jim Simons 440,200 sh (+3.26%)
Charles Brandes 81,831 sh (+0.55%)
» More
» Details

Insider Trades

Latest Guru Trades with TBNK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:OCFC, NAS:ABCW, NAS:CASH, NAS:WSBF, NZSE:HBL, NAS:CSBK » details
Traded in other countries:9TB.Germany,
Territorial Bancorp Inc through its subsidiary, provides financial services to individuals, families and businesses through its 28 banking offices located throughout the State of Hawaii.

Territorial Bancorp Inc is a Maryland corporation, organized in 1921. On July 10, 2009, the Company completed its initial public offering. It is currently the wholly-owned subsidiary of Territorial Bancorp Inc. It is a federally chartered savings bank. The Company, through its subsidiary, provides financial services to individuals, families and businesses through its 28 banking offices located throughout the State of Hawaii. Its business consists of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in one- to four-family residential mortgage loans and investment securities. It also originates home equity loans and lines of credit, construction, commercial and other nonresidential real estate loans, consumer loans, multi-family mortgage loans and other loans. It offers a variety of deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts and Super NOW accounts. Through its subsidiary, Territorial Financial Services, Inc., it is engaged in insurance agency activities. It also offers various non-deposit investments to its customers, including annuities and mutual funds, through a third-party broker-dealer. The Company competes with commercial banks, savings institutions, mortgage brokerage firms, credit unions, finance companies, mutual funds, insurance companies and investment banking firms.

Ratios

vs
industry
vs
history
P/E(ttm) 16.25
TBNK's P/E(ttm) is ranked lower than
67% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.79 vs. TBNK: 16.25 )
Ranked among companies with meaningful P/E(ttm) only.
TBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 13.23  Med: 16.73 Max: 244.29
Current: 16.25
13.23
244.29
Forward P/E 12.59
TBNK's Forward P/E is ranked lower than
57% of the 376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.05 vs. TBNK: 12.59 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.25
TBNK's PE(NRI) is ranked lower than
68% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.69 vs. TBNK: 16.25 )
Ranked among companies with meaningful PE(NRI) only.
TBNK' s PE(NRI) Range Over the Past 10 Years
Min: 13.2  Med: 16.70 Max: 244.29
Current: 16.25
13.2
244.29
Price/Owner Earnings (ttm) 32.74
TBNK's Price/Owner Earnings (ttm) is ranked lower than
91% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.46 vs. TBNK: 32.74 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
TBNK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 10.15  Med: 12.61 Max: 20.84
Current: 32.74
10.15
20.84
P/B 1.14
TBNK's P/B is ranked lower than
59% of the 1655 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. TBNK: 1.14 )
Ranked among companies with meaningful P/B only.
TBNK' s P/B Range Over the Past 10 Years
Min: 0.89  Med: 1.06 Max: 1.29
Current: 1.14
0.89
1.29
P/S 3.96
TBNK's P/S is ranked lower than
70% of the 1647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. TBNK: 3.96 )
Ranked among companies with meaningful P/S only.
TBNK' s P/S Range Over the Past 10 Years
Min: 3.3  Med: 4.03 Max: 21.51
Current: 3.96
3.3
21.51
PFCF 18.88
TBNK's PFCF is ranked lower than
80% of the 892 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.24 vs. TBNK: 18.88 )
Ranked among companies with meaningful PFCF only.
TBNK' s PFCF Range Over the Past 10 Years
Min: 10.1  Med: 15.30 Max: 91.94
Current: 18.88
10.1
91.94
POCF 18.21
TBNK's POCF is ranked lower than
85% of the 992 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.94 vs. TBNK: 18.21 )
Ranked among companies with meaningful POCF only.
TBNK' s POCF Range Over the Past 10 Years
Min: 9.61  Med: 14.18 Max: 85.07
Current: 18.21
9.61
85.07
EV-to-EBIT 9.70
TBNK's EV-to-EBIT is ranked higher than
67% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. TBNK: 9.70 )
Ranked among companies with meaningful EV-to-EBIT only.
TBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.3  Med: 6.00 Max: 12.2
Current: 9.7
0.3
12.2
EV-to-EBITDA 9.23
TBNK's EV-to-EBITDA is ranked higher than
65% of the 1514 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.89 vs. TBNK: 9.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
TBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.3  Med: 5.60 Max: 11.5
Current: 9.23
0.3
11.5
PEG 1.45
TBNK's PEG is ranked lower than
59% of the 738 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. TBNK: 1.45 )
Ranked among companies with meaningful PEG only.
TBNK' s PEG Range Over the Past 10 Years
Min: 0.3  Med: 1.03 Max: 1.89
Current: 1.45
0.3
1.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.66
TBNK's Dividend Yield is ranked lower than
56% of the 2222 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. TBNK: 2.66 )
Ranked among companies with meaningful Dividend Yield only.
TBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.24  Med: 1.96 Max: 2.86
Current: 2.66
0.24
2.86
Dividend Payout 0.42
TBNK's Dividend Payout is ranked higher than
53% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. TBNK: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
TBNK' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.33 Max: 0.44
Current: 0.42
0.17
0.44
Dividend Growth (3y) 14.50
TBNK's Dividend Growth (3y) is ranked higher than
65% of the 745 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.80 vs. TBNK: 14.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TBNK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 7.25 Max: 29.4
Current: 14.5
0
29.4
Forward Dividend Yield 2.74
TBNK's Forward Dividend Yield is ranked lower than
58% of the 2081 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. TBNK: 2.74 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.13
TBNK's Yield on cost (5-Year) is ranked higher than
80% of the 2484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. TBNK: 7.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TBNK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.65  Med: 5.28 Max: 7.7
Current: 7.13
0.65
7.7
3-Year Average Share Buyback Ratio 3.70
TBNK's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. TBNK: 3.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TBNK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 3.4  Med: 5.10 Max: 0
Current: 3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
TBNK's Price/Tangible Book is ranked lower than
52% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. TBNK: 1.14 )
Ranked among companies with meaningful Price/Tangible Book only.
TBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.89  Med: 1.06 Max: 1.22
Current: 1.14
0.89
1.22
Price/Projected FCF 0.70
TBNK's Price/Projected FCF is ranked lower than
57% of the 892 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.66 vs. TBNK: 0.70 )
Ranked among companies with meaningful Price/Projected FCF only.
TBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.57  Med: 0.69 Max: 0.93
Current: 0.7
0.57
0.93
Price/Median PS Value 0.98
TBNK's Price/Median PS Value is ranked higher than
56% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. TBNK: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
TBNK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.81  Med: 0.98 Max: 4.9
Current: 0.98
0.81
4.9
Price/Peter Lynch Fair Value 1.89
TBNK's Price/Peter Lynch Fair Value is ranked lower than
84% of the 431 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. TBNK: 1.89 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TBNK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.54  Med: 1.05 Max: 1.87
Current: 1.89
0.54
1.87
Price/Graham Number 0.91
TBNK's Price/Graham Number is ranked lower than
57% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. TBNK: 0.91 )
Ranked among companies with meaningful Price/Graham Number only.
TBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.75  Med: 0.89 Max: 2.98
Current: 0.91
0.75
2.98
Earnings Yield (Greenblatt) (%) 10.30
TBNK's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.00 vs. TBNK: 10.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.2  Med: 16.70 Max: 364.5
Current: 10.3
8.2
364.5
Forward Rate of Return (Yacktman) (%) 14.45
TBNK's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.58 vs. TBNK: 14.45 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TBNK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3.7  Med: 15.85 Max: 50.9
Current: 14.45
3.7
50.9

More Statistics

Revenue (TTM) (Mil) $61.85
EPS (TTM) $ 1.62
Beta0.26
Short Percentage of Float1.80%
52-Week Range $22.89 - 29.44
Shares Outstanding (Mil)9.67

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.77 2.09
EPS without NRI ($) 1.77 2.09
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for TBNK

Headlines

Articles On GuruFocus.com
Territorial Bancorp Inc. Reports Operating Results (10-K) Mar 14 2011 
Territorial Bancorp Inc. Reports Operating Results (10-Q) Nov 12 2010 
Territorial Bancorp Inc. Reports Operating Results (10-Q) Aug 12 2010 
Territorial Bancorp Inc. Reports Operating Results (10-Q) May 13 2010 
Territorial Bancorp Inc. Reports Operating Results (10-Q) Nov 13 2009 
Territorial Bancorp Inc. Reports Operating Results (10-Q) Aug 14 2009 

More From Other Websites
Territorial Bancorp Inc. Announces Results of Annual Meeting May 26 2016
TERRITORIAL BANCORP INC. Financials May 17 2016
TERRITORIAL BANCORP INC. Files SEC form 10-Q, Quarterly Report May 09 2016
Territorial Bancorp, Inc. :TBNK-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
Territorial Bancorp Inc. Announces First Quarter 2016 Results Apr 29 2016
Territorial Bancorp posts 1Q profit Apr 28 2016
Territorial Bancorp posts 1Q profit Apr 28 2016
TERRITORIAL BANCORP INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 28 2016
Territorial Bancorp Inc. Declares Dividend Apr 28 2016
Territorial Bancorp Inc. Announces First Quarter 2016 Results Apr 28 2016
Top execs at Territorial Savings Bank’s parent to see salary boosts Apr 21 2016
TERRITORIAL BANCORP INC. Files SEC form 10-K, Annual Report Mar 14 2016
TERRITORIAL BANCORP INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 07 2016
Territorial Bancorp Inc. Adopts Repurchase Program Mar 07 2016
Territorial Bancorp, Inc. Earnings Analysis: Q4, 2015 By the Numbers Feb 01 2016
Territorial Bancorp Inc. Announces Fourth Quarter 2015 Results Jan 29 2016
Territorial Bancorp posts 4Q profit Jan 28 2016
Territorial Bancorp posts 4Q profit Jan 28 2016
TERRITORIAL BANCORP INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 28 2016
TERRITORIAL BANCORP INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 13 2016

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