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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 4.32
TBNK's Cash to Debt is ranked higher than
83% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. TBNK: 4.32 )
TBNK' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 4.32

Equity to Asset 0.13
TBNK's Equity to Asset is ranked higher than
85% of the 2010 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: 0.07   Max: 0.16
Current: 0.13

0.07
0.16
Interest Coverage 3.74
TBNK's Interest Coverage is ranked higher than
87% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. TBNK: 3.74 )
TBNK' s 10-Year Interest Coverage Range
Min: 0.26   Max: 3.74
Current: 3.74

0.26
3.74
F-Score: 5
Z-Score: 0.31
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 : 8/10

vs
industry
vs
history
Operating margin (%) 38.80
TBNK's Operating margin (%) is ranked higher than
86% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. TBNK: 38.80 )
TBNK' s 10-Year Operating margin (%) Range
Min: 25.83   Max: 40.08
Current: 38.8

25.83
40.08
Net-margin (%) 24.12
TBNK's Net-margin (%) is ranked higher than
80% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. TBNK: 24.12 )
TBNK' s 10-Year Net-margin (%) Range
Min: 17.77   Max: 25.59
Current: 24.12

17.77
25.59
ROE (%) 6.63
TBNK's ROE (%) is ranked higher than
68% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. TBNK: 6.63 )
TBNK' s 10-Year ROE (%) Range
Min: 4.93   Max: 7.51
Current: 6.63

4.93
7.51
ROA (%) 0.87
TBNK's ROA (%) is ranked higher than
76% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. TBNK: 0.87 )
TBNK' s 10-Year ROA (%) Range
Min: 0.6   Max: 0.95
Current: 0.87

0.6
0.95
ROC (Joel Greenblatt) (%) 392.12
TBNK's ROC (Joel Greenblatt) (%) is ranked higher than
95% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. TBNK: 392.12 )
TBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 297.64   Max: 494.78
Current: 392.12

297.64
494.78
Revenue Growth (%) 11.80
TBNK's Revenue Growth (%) is ranked higher than
92% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. TBNK: 11.80 )
TBNK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 13.4
Current: 11.8

0
13.4
EBITDA Growth (%) 17.50
TBNK's EBITDA Growth (%) is ranked higher than
87% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. TBNK: 17.50 )
TBNK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 23.6
Current: 17.5

0
23.6
EPS Growth (%) 15.40
TBNK's EPS Growth (%) is ranked higher than
82% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. TBNK: 15.40 )
TBNK' s 10-Year EPS Growth (%) Range
Min: 0   Max: 23.5
Current: 15.4

0
23.5
» TBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

TBNK Guru Trades in Q4 2013

Charles Brandes 58,870 sh (+269.97%)
Jim Simons 195,200 sh (-5.24%)
John Keeley 97,008 sh (-41.7%)
» More
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 (+11.5%)
Charles Brandes 117,960 sh (-0.22%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2014-06-30 Add 92.14%0.01%$19.82 - $21.59 $ 21.846%118215
John Keeley 2014-03-31 Sold Out 0.04%$21.64 - $23.44 $ 21.84-2%0
John Keeley 2013-12-31 Reduce -41.7%0.03%$21.8 - $23.89 $ 21.84-4%97008
Charles Brandes 2013-12-31 Add 269.97%0.01%$21.8 - $23.89 $ 21.84-4%58870
John Keeley 2013-09-30 Reduce -77.75%0.26%$21.28 - $23.54 $ 21.84-3%166400
Charles Brandes 2013-09-30 New Buy$21.28 - $23.54 $ 21.84-3%15912
HOTCHKIS & WILEY 2011-09-30 Sold Out 0.0019%$18.96 - $21.29 $ 21.849%0
Mario Gabelli 2011-09-30 Sold Out 0.0017%$18.96 - $21.29 $ 21.849%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.50
TBNK's P/E(ttm) is ranked higher than
81% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. TBNK: 14.50 )
TBNK' s 10-Year P/E(ttm) Range
Min: 13.23   Max: 285
Current: 14.5

13.23
285
P/B 1.00
TBNK's P/B is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. TBNK: 1.00 )
TBNK' s 10-Year P/B Range
Min: 0.89   Max: 1.22
Current: 1

0.89
1.22
P/S 3.50
TBNK's P/S is ranked higher than
74% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. TBNK: 3.50 )
TBNK' s 10-Year P/S Range
Min: 3.27   Max: 21.38
Current: 3.5

3.27
21.38
PFCF 32.60
TBNK's PFCF is ranked higher than
75% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TBNK: 32.60 )
TBNK' s 10-Year PFCF Range
Min: 9.73   Max: 90
Current: 32.6

9.73
90
EV-to-EBIT 7.30
TBNK's EV-to-EBIT is ranked higher than
93% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. TBNK: 7.30 )
TBNK' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 8.2
Current: 7.3

0.3
8.2
PEG 0.73
TBNK's PEG is ranked higher than
93% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TBNK: 0.73 )
TBNK' s 10-Year PEG Range
Min: 0.3   Max: 0.56
Current: 0.73

0.3
0.56
Shiller P/E 17.00
TBNK's Shiller P/E is ranked higher than
89% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TBNK: 17.00 )
TBNK' s 10-Year Shiller P/E Range
Min: 15.65   Max: 19.58
Current: 17

15.65
19.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.80
TBNK's Dividend Yield is ranked higher than
62% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. TBNK: 2.80 )
TBNK' s 10-Year Dividend Yield Range
Min: 0.24   Max: 2.83
Current: 2.8

0.24
2.83
Dividend Payout 0.38
TBNK's Dividend Payout is ranked higher than
72% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. TBNK: 0.38 )
TBNK' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.41
Current: 0.38

0.17
0.41
Dividend growth (3y) 29.40
TBNK's Dividend growth (3y) is ranked higher than
93% of the 1127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. TBNK: 29.40 )
TBNK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 29.4
Current: 29.4

0
29.4
Yield on cost (5-Year) 2.70
TBNK's Yield on cost (5-Year) is ranked higher than
56% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. TBNK: 2.70 )
TBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 2.83
Current: 2.7

0.24
2.83
Share Buyback Rate 4.70
TBNK's Share Buyback Rate is ranked higher than
96% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. TBNK: 4.70 )
TBNK' s 10-Year Share Buyback Rate Range
Min: 0   Max: 3.3
Current: 4.7

0
3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
TBNK's Price/Tangible Book is ranked higher than
87% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. TBNK: 1.00 )
TBNK' s 10-Year Price/Tangible Book Range
Min: 0.89   Max: 1.16
Current: 1

0.89
1.16
Price/DCF (Projected) 0.71
TBNK's Price/DCF (Projected) is ranked higher than
85% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. TBNK: 0.71 )
TBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 0.93
Current: 0.71

0.67
0.93
Price/Median PS Value 0.86
TBNK's Price/Median PS Value is ranked higher than
94% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. TBNK: 0.86 )
TBNK' s 10-Year Price/Median PS Value Range
Min: 0.81   Max: 4.81
Current: 0.86

0.81
4.81
Price/Peter Lynch Fair Value 0.58
TBNK's Price/Peter Lynch Fair Value is ranked higher than
97% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TBNK: 0.58 )
TBNK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.55   Max: 0.55
Current: 0.58

Price/Graham Number 0.82
TBNK's Price/Graham Number is ranked higher than
85% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. TBNK: 0.82 )
TBNK' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 1.21
Current: 0.82

0.77
1.21
Earnings Yield (Greenblatt) 13.70
TBNK's Earnings Yield (Greenblatt) is ranked higher than
92% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. TBNK: 13.70 )
TBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 12.1   Max: 364.5
Current: 13.7

12.1
364.5
Forward Rate of Return (Yacktman) 31.59
TBNK's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. TBNK: 31.59 )
TBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.7   Max: 50.8
Current: 31.59

3.7
50.8

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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Territorial Bancorp Upped to Strong Buy May 19 2014
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