8.33 USD
-0.05 (-0.6%)
Taking everything into account, TBNK scores 2 out of 10 in our fundamental rating. TBNK was compared to 383 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.
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.
- TBNK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of -0.10%, TBNK is doing worse than 91.81% of the companies in the same industry.
- 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 Rank | Sector 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
1.3 Margins
- In the last couple of years the Profit Margin of TBNK has declined.
- TBNK does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- TBNK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for TBNK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- A Debt/Equity ratio of 0.04 indicates that TBNK is not too dependend on debt financing.
- TBNK has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. TBNK outperforms 84.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for TBNK. In the last year negative earnings were reported.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- TBNK's earnings are expected to grow with 69.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y69.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- TBNK has a yearly dividend return of 0.48%, which is pretty low.
- With a Dividend Yield of 0.48, TBNK pays less dividend than the industry average, which is at 2.60. 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 1.82.
| Industry Rank | Sector 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
5.3 Sustainability
- The earnings of TBNK are negative and hence is the payout ratio. TBNK will probably not be able to sustain this dividend level.
DP-46.26%
EPS Next 2Y69.02%
EPS Next 3YN/A
TERRITORIAL BANCORP INC / TBNK FAQ
What is the fundamental rating for TBNK stock?
ChartMill assigns a fundamental rating of 2 / 10 to TBNK.
Can you provide the valuation status for TERRITORIAL BANCORP INC?
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.
Can you provide the financial health for TBNK stock?
The financial health rating of TERRITORIAL BANCORP INC (TBNK) is 2 / 10.
How sustainable is the dividend of TERRITORIAL BANCORP INC (TBNK) stock?
The dividend rating of TERRITORIAL BANCORP INC (TBNK) is 1 / 10 and the dividend payout ratio is -46.26%.