Territorial Bancorp Valuation
| TBNK Stock | USD 8.15 0.04 0.49% |
At this time, the company appears to be undervalued. Territorial Bancorp has a current Real Value of $9.83 per share. The regular price of the company is $8.15. Our model measures the value of Territorial Bancorp from inspecting the company fundamentals such as Operating Margin of (0.27) %, shares outstanding of 7.97 M, and Return On Equity of -0.0172 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Territorial Bancorp's valuation include:
Price Book 0.2705 | Enterprise Value | Price Sales 1.7926 | Forward PE 19.1205 | Enterprise Value Revenue 7.1461 |
Undervalued
Today
Please note that Territorial Bancorp's price fluctuation is not too volatile at this time. Calculation of the real value of Territorial Bancorp is based on 3 months time horizon. Increasing Territorial Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Territorial Bancorp's intrinsic value may or may not be the same as its current market price of 8.15, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 8.15 | Real 9.83 | Target 12.47 | Hype 8.13 | Naive 8.22 |
The intrinsic value of Territorial Bancorp's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Territorial Bancorp's stock price.
Estimating the potential upside or downside of Territorial Bancorp helps investors to forecast how Territorial stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Territorial Bancorp more accurately as focusing exclusively on Territorial Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Territorial Bancorp's intrinsic value based on its ongoing forecasts of Territorial Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Territorial Bancorp's closest peers.
Territorial Bancorp Cash |
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Territorial Valuation Trend
Knowing Territorial Bancorp's actual value is paramount for traders when making sound investment determinations. Using both Territorial Bancorp's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Territorial Revenue by Product
Territorial Bancorp Total Value Analysis
Territorial Bancorp is at this time estimated to have valuation of 127.2 M with market capitalization of 65.25 M, debt of 259.3 M, and cash on hands of 36.29 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Territorial Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
127.2 M | 65.25 M | 259.3 M | 36.29 M |
Territorial Bancorp Investor Information
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. Based on the analysis of Territorial Bancorp's profitability, liquidity, and operating efficiency, Territorial Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Income | 5.8 M | 6.2 M |
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Territorial Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of Territorial suggests not a very effective usage of assets in March.Territorial Bancorp Ownership Allocation
The market capitalization of Territorial Bancorp is $65.25 Million. 30% of Territorial Bancorp outstanding shares are owned by institutional holders. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the company is less than the current market value, you may not be able generate positive returns on investment in the long run.Territorial Bancorp Profitability Analysis
The company reported the previous year's revenue of 45.1 M. Net Income was 5.03 M with profit before overhead, payroll, taxes, and interest of 36.4 M.Territorial Bancorp Past Distributions to stockholders
About Territorial Bancorp Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Territorial Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Territorial Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing Territorial Bancorp's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Territorial Bancorp's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Territorial Bancorp. We calculate exposure to Territorial Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Territorial Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 51.9 M | 61.4 M | |
| Pretax Profit Margin | (0.18) | (0.18) | |
| Operating Profit Margin | (0.08) | (0.07) | |
| Net Loss | (0.12) | (0.11) | |
| Gross Profit Margin | 0.90 | 0.80 |
Territorial Bancorp Quarterly Retained Earnings |
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A single share of Territorial Bancorp represents a small ownership stake in the entity. As a stockholder of Territorial, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Territorial Bancorp Dividends Analysis For Valuation
At this time, Territorial Bancorp's Dividend Yield is quite stable compared to the past year. Dividend Payout Ratio is expected to rise to 1.21 this year, although the value of Dividends Paid will most likely fall to about 7.1 M. . The value of Retained Earnings is estimated to slide to about 174.8 M. The value of Retained Earnings Total Equity is expected to slide to about 189.3 M
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 7.4 M | 7.1 M | |
| Dividend Yield | 0.06 | 0.06 | |
| Dividend Payout Ratio | 1.15 | 1.21 | |
| Dividend Paid And Capex Coverage Ratio | 1.05 | 0.68 |
There are various types of dividends Territorial Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Territorial shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Territorial Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Territorial pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Territorial Bancorp by the value of the dividends paid out.
Territorial Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as Territorial Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 8.7 M | |
| Quarterly Earnings Growth Y O Y | -0.901 | |
| Forward Price Earnings | 19.1205 |
Territorial Bancorp Current Valuation Indicators
Territorial Bancorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Territorial Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Territorial Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Territorial Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Territorial Bancorp's worth.When determining whether Territorial Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Territorial Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Territorial Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Territorial Bancorp Stock: 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 Portfolio File Import module to quickly import all of your third-party portfolios from your local drive in csv format.
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.
Quarterly Earnings Growth (0.90) | Dividend Share 0.08 | Earnings Share (0.50) | Revenue Per Share | Quarterly Revenue Growth (0.16) |
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.
Please note, there is a significant difference between Territorial Bancorp's value and its price as these two are different measures arrived at by different 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.