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TERRITORIAL BANCORP INC (TBNK) Stock Fundamental Analysis

USA - NASDAQ:TBNK - US88145X1081 - Common Stock

8.33 USD
-0.05 (-0.6%)
Last: 4/1/2025, 8:01:17 PM
Fundamental Rating

2

Overall TBNK gets a fundamental rating of 2 out of 10. We evaluated TBNK against 388 industry peers in the Banks industry. Both the profitability and financial health of TBNK have multiple concerns. TBNK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year TBNK has reported negative net income.
In the past year TBNK has reported a negative cash flow from operations.
TBNK had positive earnings in 4 of the past 5 years.
Of the past 5 years TBNK 4 years had a positive operating cash flow.
TBNK Yearly Net Income VS EBIT VS OCF VS FCFTBNK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M

1.2 Ratios

TBNK has a Return On Assets of -0.10%. This is amonst the worse of the industry: TBNK underperforms 91.81% of its industry peers.
With a Return On Equity value of -0.90%, TBNK is not doing good in the industry: 92.06% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.1%
ROE -0.9%
ROIC N/A
ROA(3y)0.59%
ROA(5y)0.74%
ROE(3y)5.01%
ROE(5y)6.28%
ROIC(3y)N/A
ROIC(5y)N/A
TBNK Yearly ROA, ROE, ROICTBNK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

TBNK's Profit Margin has declined in the last couple of years.
TBNK does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-27.35%
PM growth 5Y-18.33%
GM growth 3YN/A
GM growth 5YN/A
TBNK Yearly Profit, Operating, Gross MarginsTBNK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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2

2. Health

2.1 Basic Checks

TBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
TBNK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TBNK Yearly Shares OutstandingTBNK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
TBNK Yearly Total Debt VS Total AssetsTBNK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

TBNK has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.04, TBNK belongs to the top of the industry, outperforming 84.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.25%
TBNK Yearly LT Debt VS Equity VS FCFTBNK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TBNK Yearly Current Assets VS Current LiabilitesTBNK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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3

3. Growth

3.1 Past

The earnings per share for TBNK have decreased strongly by -186.21% in the last year.
EPS 1Y (TTM)-186.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-500%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-25.19%

3.2 Future

Based on estimates for the next years, TBNK will show a very strong growth in Earnings Per Share. The EPS will grow by 69.02% on average per year.
The Revenue is expected to grow by 11.45% on average over the next years. This is quite good.
EPS Next Y100%
EPS Next 2Y69.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.07%
Revenue Next 2Y11.45%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

TBNK Yearly Revenue VS EstimatesTBNK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
TBNK Yearly EPS VS EstimatesTBNK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2026 0 0.5 1 1.5 2

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1

4. Valuation

4.1 Price/Earnings Ratio

TBNK reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
TBNK Price Earnings VS Forward Price EarningsTBNK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TBNK Per share dataTBNK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

A more expensive valuation may be justified as TBNK's earnings are expected to grow with 69.02% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y69.02%
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

TBNK has a yearly dividend return of 0.48%, which is pretty low.
Compared to an average industry Dividend Yield of 3.38, TBNK's dividend is way lower than its industry peers. On top of this 86.60% of the companies listed in the same industry pay a better dividend than TBNK!
With a Dividend Yield of 0.48, TBNK pays less dividend than the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 0.48%

5.2 History

The dividend of TBNK decreases each year by -7.81%.
TBNK has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-7.81%
Div Incr Years0
Div Non Decr Years0
TBNK Yearly Dividends per shareTBNK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

TBNK has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-46.26%
EPS Next 2Y69.02%
EPS Next 3YN/A
TBNK Yearly Income VS Free CF VS DividendTBNK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M

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TERRITORIAL BANCORP INC

NASDAQ:TBNK (4/1/2025, 8:01:17 PM)

8.33

-0.05 (-0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-31 2025-01-31/amc
Earnings (Next)04-24 2025-04-24/amc
Inst Owners45.4%
Inst Owner Change0%
Ins Owners8.24%
Ins Owner Change0%
Market Cap73.55M
Revenue(TTM)N/A
Net Income(TTM)-2.25M
Analysts43.33
Price Target12.72 (52.7%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.48%
Yearly Dividend0.72
Dividend Growth(5Y)-7.81%
DP-46.26%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-14 2025-02-14 (0.01)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-194.12%
Min EPS beat(2)-194.12%
Max EPS beat(2)-194.12%
EPS beat(4)0
Avg EPS beat(4)-201.73%
Min EPS beat(4)-394.12%
Max EPS beat(4)-24.59%
EPS beat(8)0
Avg EPS beat(8)-109.8%
EPS beat(12)4
Avg EPS beat(12)-69.78%
EPS beat(16)8
Avg EPS beat(16)-47.47%
Revenue beat(2)0
Avg Revenue beat(2)-2.68%
Min Revenue beat(2)-3.4%
Max Revenue beat(2)-1.96%
Revenue beat(4)0
Avg Revenue beat(4)-4.21%
Min Revenue beat(4)-7.23%
Max Revenue beat(4)-1.96%
Revenue beat(8)0
Avg Revenue beat(8)-5.3%
Revenue beat(12)2
Avg Revenue beat(12)-3.01%
Revenue beat(16)6
Avg Revenue beat(16)-1.4%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.02
P/FCF N/A
P/OCF N/A
P/B 0.3
P/tB 0.3
EV/EBITDA N/A
EPS(TTM)-0.5
EYN/A
EPS(NY)0
Fwd EYN/A
FCF(TTM)-0.57
FCFYN/A
OCF(TTM)-0.47
OCFYN/A
SpS4.12
BVpS28.17
TBVpS28.17
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.1%
ROE -0.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.59%
ROA(5y)0.74%
ROE(3y)5.01%
ROE(5y)6.28%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-27.35%
PM growth 5Y-18.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91.08%
Cap/Sales 2.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC10.25%
ROIC/WACCN/A
Cap/Depr(3y)164.41%
Cap/Depr(5y)139.8%
Cap/Sales(3y)3.34%
Cap/Sales(5y)2.77%
Profit Quality(3y)98.85%
Profit Quality(5y)99.85%
High Growth Momentum
Growth
EPS 1Y (TTM)-186.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-500%
EPS Next Y100%
EPS Next 2Y69.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-25.19%
Revenue Next Year8.07%
Revenue Next 2Y11.45%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-142.04%
FCF growth 3Y-26.7%
FCF growth 5Y-18.66%
OCF growth 1Y-127.74%
OCF growth 3Y-26.73%
OCF growth 5Y-17.52%

TERRITORIAL BANCORP INC / TBNK FAQ

What is the fundamental rating for TBNK stock?

ChartMill assigns a fundamental rating of 2 / 10 to TBNK.


What is the valuation status for TBNK stock?

ChartMill assigns a valuation rating of 1 / 10 to TERRITORIAL BANCORP INC (TBNK). This can be considered as Overvalued.


What is the profitability of TBNK stock?

TERRITORIAL BANCORP INC (TBNK) has a profitability rating of 1 / 10.


What is the earnings growth outlook for TERRITORIAL BANCORP INC?

The Earnings per Share (EPS) of TERRITORIAL BANCORP INC (TBNK) is expected to grow by 100% in the next year.


Can you provide the dividend sustainability for TBNK stock?

The dividend rating of TERRITORIAL BANCORP INC (TBNK) is 1 / 10 and the dividend payout ratio is -46.26%.