Comparing Territorial Bancorp (TBNK) & The Competition

Territorial Bancorp (NASDAQ: TBNK) is one of 340 public companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare Territorial Bancorp to related companies based on the strength of its earnings, analyst recommendations, profitability, valuation, dividends, risk and institutional ownership.

Institutional and Insider Ownership

44.7% of Territorial Bancorp shares are owned by institutional investors. Comparatively, 51.9% of shares of all “Banks” companies are owned by institutional investors. 9.8% of Territorial Bancorp shares are owned by company insiders. Comparatively, 10.3% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Territorial Bancorp and its rivals gross revenue, earnings per share (EPS) and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Territorial Bancorp $70.17 million $16.34 million 16.74
Territorial Bancorp Competitors $5.53 billion $802.05 million 345.22

Territorial Bancorp’s rivals have higher revenue and earnings than Territorial Bancorp. Territorial Bancorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a summary of recent ratings and price targets for Territorial Bancorp and its rivals, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Territorial Bancorp 1 0 0 0 1.00
Territorial Bancorp Competitors 2257 9105 9164 377 2.37

As a group, “Banks” companies have a potential downside of 4.15%. Given Territorial Bancorp’s rivals stronger consensus rating and higher possible upside, analysts plainly believe Territorial Bancorp has less favorable growth aspects than its rivals.

Volatility and Risk

Territorial Bancorp has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500. Comparatively, Territorial Bancorp’s rivals have a beta of 0.82, suggesting that their average share price is 18% less volatile than the S&P 500.

Profitability

This table compares Territorial Bancorp and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Territorial Bancorp 24.07% 7.34% 0.89%
Territorial Bancorp Competitors 18.68% 8.56% 0.93%

Dividends

Territorial Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.6%. Territorial Bancorp pays out 44.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 34.6% of their earnings in the form of a dividend.

Summary

Territorial Bancorp rivals beat Territorial Bancorp on 13 of the 15 factors compared.

Territorial Bancorp Company Profile

Territorial Bancorp Inc. is the holding company for Territorial Savings Bank (the Bank). The Bank provides financial services to individuals, families and businesses through its banking offices located throughout the State of Hawaii. Its business consists primarily 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. The Bank offers a range of deposit accounts, including passbook and statement savings accounts, certificates of deposit (CDs), money market accounts, and commercial and regular checking accounts. Through its subsidiary, Territorial Financial Services, Inc., the Bank engages 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.

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