Is Territorial Bancorp Stock a Good Investment?
Territorial Bancorp Investment Advice | TBNK |
- Examine Territorial Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Territorial Bancorp's leadership team and their track record. Good management can help Territorial Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Territorial Bancorp's business and its evolving consumer preferences.
- Compare Territorial Bancorp's performance and market position to its competitors. Analyze how Territorial Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if Territorial Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Territorial Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Territorial Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Territorial Bancorp is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Above Average | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Territorial Bancorp Stock
Researching Territorial Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 18.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.27. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Territorial Bancorp recorded a loss per share of 0.5. The entity last dividend was issued on the 14th of February 2025.
To determine if Territorial Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Territorial Bancorp's research are outlined below:
| Territorial Bancorp generated a negative expected return over the last 90 days | |
| Territorial Bancorp has high likelihood to experience some financial distress in the next 2 years | |
| About 18.0% of the company outstanding shares are owned by corporate insiders |
Territorial Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Territorial Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Territorial Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of April 2024 Upcoming Quarterly Report | View | |
| 26th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 24th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Territorial Bancorp's market capitalization trends
The company currently falls under 'Micro-Cap' category with a current market capitalization of 65.25 M.Territorial Bancorp's profitablity analysis
The company has Profit Margin (PM) of (0.12) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (0.27) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $0.27.Determining Territorial Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if Territorial Bancorp is a good buy. For example, gross profit margin measures Territorial Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Territorial Bancorp's profitability and make more informed investment decisions.
Basic technical analysis of Territorial Stock
As of the 26th of February, Territorial Bancorp has the Coefficient Of Variation of (458.50), risk adjusted performance of (0.15), and Variance of 3.59. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Territorial Bancorp, as well as the relationship between them.Territorial Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Territorial Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Territorial Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Territorial Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Territorial Bancorp's Outstanding Corporate Bonds
Territorial Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Territorial Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Territorial bonds can be classified according to their maturity, which is the date when Territorial Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
Understand Territorial Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Territorial Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.15) | |||
| Market Risk Adjusted Performance | (0.35) | |||
| Mean Deviation | 1.44 | |||
| Coefficient Of Variation | (458.50) | |||
| Standard Deviation | 1.89 | |||
| Variance | 3.59 | |||
| Information Ratio | (0.22) | |||
| Jensen Alpha | (0.42) | |||
| Total Risk Alpha | (0.41) | |||
| Treynor Ratio | (0.36) | |||
| Maximum Drawdown | 8.84 | |||
| Value At Risk | (3.71) | |||
| Potential Upside | 2.28 | |||
| Skewness | (0.90) | |||
| Kurtosis | 1.77 |
| Risk Adjusted Performance | (0.15) | |||
| Market Risk Adjusted Performance | (0.35) | |||
| Mean Deviation | 1.44 | |||
| Coefficient Of Variation | (458.50) | |||
| Standard Deviation | 1.89 | |||
| Variance | 3.59 | |||
| Information Ratio | (0.22) | |||
| Jensen Alpha | (0.42) | |||
| Total Risk Alpha | (0.41) | |||
| Treynor Ratio | (0.36) | |||
| Maximum Drawdown | 8.84 | |||
| Value At Risk | (3.71) | |||
| Potential Upside | 2.28 | |||
| Skewness | (0.90) | |||
| Kurtosis | 1.77 |
Consider Territorial Bancorp's intraday indicators
Territorial Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Territorial Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Territorial Bancorp time-series forecasting models is one of many Territorial Bancorp's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Territorial Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.
Territorial Stock media impact
Far too much social signal, news, headlines, and media speculation about Territorial Bancorp that are available to investors today. That information is available publicly through Territorial media outlets and privately through word of mouth or via Territorial internal channels. However, regardless of the origin, that massive amount of Territorial data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Territorial Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Territorial Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Territorial Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Territorial Bancorp alpha.
Territorial Bancorp Corporate Management
| Melvin Miyamoto | Principal Financial Officer, Principal Accounting Officer, Sr. VP, Treasurer, Principal Financial Officer of Territorial Savings Bank, Principal Accounting Officer of Territorial Savings Bank, Sr. VP of Territorial Savings Bank and Treasurer of Territorial Savings Bank | Profile | |
| Melvin CPA | Treasurer VP | Profile | |
| Gary Uyehara | Regulatory Administrative | Profile | |
| Dennis Hironaka | VP Audit | Profile | |
| Troy Yoshimasu | Senior Officer | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Territorial Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. For more information on how to buy Territorial Stock please use our How to buy in Territorial Stock guide.You can also try the Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Territorial Bancorp. If investors know Territorial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Territorial Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Territorial Bancorp is measured differently than its book value, which is the value of Territorial that is recorded on the company's balance sheet. Investors also form their own opinion of Territorial Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Territorial Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Territorial Bancorp's market value can be influenced by many factors that don't directly affect Territorial Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Territorial Bancorp's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Territorial Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Territorial Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.