TBNK Fundamental Analysis - TERRITORIAL BANCORP INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to TBNK. TBNK was compared to 393 industry peers in the Banks industry. TBNK may be in some trouble as it scores bad on both profitability and health. TBNK does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

TBNK had negative earnings in the past year.

In the past year TBNK has reported a negative cash flow from operations.

Of the past 5 years TBNK 4 years were profitable.

Of the past 5 years TBNK 4 years had a positive operating cash flow.

1.2 Ratios

TBNK has a worse Return On Assets (-0.10%) than 91.81% of its industry peers.

Looking at the Return On Equity, with a value of -0.90%, TBNK is doing worse than 92.06% of the companies in the same industry.

		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

TBNK's Profit Margin has declined in the last couple of years.

The Profit Margin and Operating Margin and Gross Margin are not available for TBNK so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

TBNK has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of TBNK (0.04) is better than 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

TBNK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -186.21%.

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

The Earnings Per Share is expected to grow by 69.02% on average over the next years. This is a very strong growth

Based on estimates for the next years, TBNK will show a quite strong growth in Revenue. The Revenue will grow by 11.45% on average per year.

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

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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

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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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 3.30, 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 2.34.

		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

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

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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 Change-99.92%

Ins Owners8.24%

Ins Owner Change-510.57%

Market Cap73.55M

Analysts43.33

Price Target12.72 (52.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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 Rank	Sector 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

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens