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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 5.00
TBNK's Cash to Debt is ranked higher than
79% of the 1731 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.88 vs. TBNK: 5.00 )
TBNK' s 10-Year Cash to Debt Range
Min: 0.19   Max: No Debt
Current: 5

Equity to Asset 0.13
TBNK's Equity to Asset is ranked higher than
85% of the 2241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. TBNK: 0.13 )
TBNK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.16
Current: 0.13

0.08
0.16
Interest Coverage 3.76
TBNK's Interest Coverage is ranked higher than
85% of the 2150 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. TBNK: 3.76 )
TBNK' s 10-Year Interest Coverage Range
Min: 0.26   Max: 3.76
Current: 3.76

0.26
3.76
F-Score: 4
Z-Score: 0.31
WACC vs ROIC
4.81%
8.80%
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 (%) 39.21
TBNK's Operating margin (%) is ranked higher than
84% of the 2344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. TBNK: 39.21 )
TBNK' s 10-Year Operating margin (%) Range
Min: 25.83   Max: 40.08
Current: 39.21

25.83
40.08
Net-margin (%) 24.03
TBNK's Net-margin (%) is ranked higher than
78% of the 2344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.22 vs. TBNK: 24.03 )
TBNK' s 10-Year Net-margin (%) Range
Min: 17.77   Max: 25.59
Current: 24.03

17.77
25.59
ROE (%) 6.58
TBNK's ROE (%) is ranked higher than
65% of the 2347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.96 vs. TBNK: 6.58 )
TBNK' s 10-Year ROE (%) Range
Min: 4.93   Max: 7.51
Current: 6.58

4.93
7.51
ROA (%) 0.85
TBNK's ROA (%) is ranked higher than
73% of the 2356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. TBNK: 0.85 )
TBNK' s 10-Year ROA (%) Range
Min: 0.6   Max: 0.95
Current: 0.85

0.6
0.95
ROC (Joel Greenblatt) (%) 389.59
TBNK's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 2318 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 87.86 vs. TBNK: 389.59 )
TBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 297.64   Max: 494.78
Current: 389.59

297.64
494.78
Revenue Growth (3Y)(%) 6.80
TBNK's Revenue Growth (3Y)(%) is ranked higher than
85% of the 2002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. TBNK: 6.80 )
TBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 13.4
Current: 6.8

0
13.4
EBITDA Growth (3Y)(%) 8.20
TBNK's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1812 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. TBNK: 8.20 )
TBNK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 23.6
Current: 8.2

0
23.6
EPS Growth (3Y)(%) 8.90
TBNK's EPS Growth (3Y)(%) is ranked higher than
73% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. TBNK: 8.90 )
TBNK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 23.5
Current: 8.9

0
23.5
» TBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

TBNK Guru Trades in Q1 2014

Jim Simons 212,400 sh (+8.81%)
Charles Brandes 61,526 sh (+4.51%)
John Keeley Sold Out
» More
Q2 2014

TBNK Guru Trades in Q2 2014

Charles Brandes 118,215 sh (+92.14%)
Jim Simons 240,800 sh (+13.37%)
» More
Q3 2014

TBNK Guru Trades in Q3 2014

Jim Simons 268,500 sh (+11.50%)
Charles Brandes 117,960 sh (-0.22%)
» More
Q4 2014

TBNK Guru Trades in Q4 2014

Jim Simons 297,339 sh (+10.74%)
Charles Brandes 119,975 sh (+1.71%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.30
TBNK's P/E(ttm) is ranked higher than
74% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.90 vs. TBNK: 15.30 )
TBNK' s 10-Year P/E(ttm) Range
Min: 13.23   Max: 285
Current: 15.3

13.23
285
Forward P/E 10.74
TBNK's Forward P/E is ranked higher than
85% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. TBNK: 10.74 )
N/A
PE(NRI) 15.50
TBNK's PE(NRI) is ranked higher than
78% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.80 vs. TBNK: 15.50 )
TBNK' s 10-Year PE(NRI) Range
Min: 13.2   Max: 285
Current: 15.5

13.2
285
P/B 1.10
TBNK's P/B is ranked higher than
77% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. TBNK: 1.10 )
TBNK' s 10-Year P/B Range
Min: 0.89   Max: 1.22
Current: 1.1

0.89
1.22
P/S 3.68
TBNK's P/S is ranked higher than
57% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.81 vs. TBNK: 3.68 )
TBNK' s 10-Year P/S Range
Min: 3.27   Max: 21.38
Current: 3.68

3.27
21.38
PFCF 16.70
TBNK's PFCF is ranked higher than
76% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. TBNK: 16.70 )
TBNK' s 10-Year PFCF Range
Min: 9.93   Max: 90
Current: 16.7

9.93
90
POCF 15.46
TBNK's POCF is ranked higher than
77% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 191.45 vs. TBNK: 15.46 )
TBNK' s 10-Year POCF Range
Min: 9.51   Max: 85.5
Current: 15.46

9.51
85.5
EV-to-EBIT 7.44
TBNK's EV-to-EBIT is ranked higher than
93% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.44 vs. TBNK: 7.44 )
TBNK' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 8.2
Current: 7.44

0.3
8.2
PEG 0.96
TBNK's PEG is ranked higher than
93% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. TBNK: 0.96 )
TBNK' s 10-Year PEG Range
Min: 0.3   Max: 0.84
Current: 0.96

0.3
0.84
Shiller P/E 17.90
TBNK's Shiller P/E is ranked higher than
84% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. TBNK: 17.90 )
TBNK' s 10-Year Shiller P/E Range
Min: 15.65   Max: 19.58
Current: 17.9

15.65
19.58
Days Sales Outstanding 27.60
TBNK's Days Sales Outstanding is ranked higher than
91% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. TBNK: 27.60 )
TBNK' s 10-Year Days Sales Outstanding Range
Min: 26.84   Max: 51.44
Current: 27.6

26.84
51.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.68
TBNK's Dividend Yield is ranked higher than
57% of the 2205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.44 vs. TBNK: 2.68 )
TBNK' s 10-Year Dividend Yield Range
Min: 0.24   Max: 2.84
Current: 2.68

0.24
2.84
Dividend Payout 0.40
TBNK's Dividend Payout is ranked higher than
75% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. TBNK: 0.40 )
TBNK' s 10-Year Dividend Payout Range
Min: 0.25   Max: 0.4
Current: 0.4

0.25
0.4
Dividend growth (3y) 20.80
TBNK's Dividend growth (3y) is ranked higher than
88% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. TBNK: 20.80 )
TBNK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 29.4
Current: 20.8

0
29.4
Yield on cost (5-Year) 2.70
TBNK's Yield on cost (5-Year) is ranked higher than
51% of the 2213 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.78 vs. TBNK: 2.70 )
TBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 2.84
Current: 2.7

0.24
2.84
Share Buyback Rate 5.20
TBNK's Share Buyback Rate is ranked higher than
95% of the 1656 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. TBNK: 5.20 )
TBNK' s 10-Year Share Buyback Rate Range
Min: 0   Max: 3.3
Current: 5.2

0
3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
TBNK's Price/Tangible Book is ranked higher than
81% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. TBNK: 1.10 )
TBNK' s 10-Year Price/Tangible Book Range
Min: 0.89   Max: 1.16
Current: 1.1

0.89
1.16
Price/DCF (Projected) 0.70
TBNK's Price/DCF (Projected) is ranked higher than
86% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. TBNK: 0.70 )
TBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.68   Max: 0.78
Current: 0.7

0.68
0.78
Price/Median PS Value 0.90
TBNK's Price/Median PS Value is ranked higher than
93% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. TBNK: 0.90 )
TBNK' s 10-Year Price/Median PS Value Range
Min: 0.85   Max: 2.34
Current: 0.9

0.85
2.34
Price/Peter Lynch Fair Value 0.80
TBNK's Price/Peter Lynch Fair Value is ranked higher than
95% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. TBNK: 0.80 )
TBNK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.76   Max: 0.76
Current: 0.8

Price/Graham Number 0.90
TBNK's Price/Graham Number is ranked higher than
81% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. TBNK: 0.90 )
TBNK' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 1.07
Current: 0.9

0.82
1.07
Earnings Yield (Greenblatt) 13.80
TBNK's Earnings Yield (Greenblatt) is ranked higher than
90% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. TBNK: 13.80 )
TBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 12.1   Max: 364.5
Current: 13.8

12.1
364.5
Forward Rate of Return (Yacktman) 24.83
TBNK's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.27 vs. TBNK: 24.83 )
TBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.7   Max: 50.9
Current: 24.83

3.7
50.9

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Traded in other countries:9TB.Germany,
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.
» 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 

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