Territorial Bancorp (NASDAQ: TBNK) is one of 343 publicly-traded companies in the “Banks” industry, but how does it compare to its competitors? We will compare Territorial Bancorp to related businesses based on the strength of its risk, dividends, valuation, profitability, earnings, analyst recommendations and institutional ownership.

Earnings & Valuation

This table compares Territorial Bancorp and its competitors top-line revenue, earnings per share and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Territorial Bancorp $70.17 million $16.34 million 17.37
Territorial Bancorp Competitors $5.45 billion $813.35 million 334.06

Territorial Bancorp’s competitors have higher revenue and earnings than Territorial Bancorp. Territorial Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Volatility and Risk

Territorial Bancorp has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500. Comparatively, Territorial Bancorp’s competitors have a beta of 0.83, meaning that their average stock price is 17% less volatile than the S&P 500.

Institutional and Insider Ownership

44.9% of Territorial Bancorp shares are held by institutional investors. Comparatively, 52.4% of shares of all “Banks” companies are held by institutional investors. 9.8% of Territorial Bancorp shares are held by company insiders. Comparatively, 10.5% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Dividends

Territorial Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.5%. Territorial Bancorp pays out 44.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.9% and pay out 34.0% of their earnings in the form of a dividend.

Profitability

This table compares Territorial Bancorp and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Territorial Bancorp 24.07% 7.38% 0.90%
Territorial Bancorp Competitors 18.90% 8.82% 0.94%

Analyst Recommendations

This is a summary of recent ratings and target prices for Territorial Bancorp and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Territorial Bancorp 1 0 0 0 1.00
Territorial Bancorp Competitors 2101 8310 8400 324 2.36

As a group, “Banks” companies have a potential downside of 8.88%. Given Territorial Bancorp’s competitors stronger consensus rating and higher possible upside, analysts clearly believe Territorial Bancorp has less favorable growth aspects than its competitors.

Summary

Territorial Bancorp competitors beat Territorial Bancorp on 13 of the 15 factors compared.

About Territorial Bancorp

Territorial Bancorp Inc. is the holding company for Territorial Savings Bank (the Bank). The Bank provides financial services to individuals, families and businesses through its banking offices located throughout the State of Hawaii. Its business consists primarily of accepting deposits from the general public and investing those deposits together with funds generated from operations and borrowings in one- to four-family residential mortgage loans and investment securities. The Bank offers a range of deposit accounts, including passbook and statement savings accounts, certificates of deposit (CDs), money market accounts, and commercial and regular checking accounts. Through its subsidiary, Territorial Financial Services, Inc., the Bank engages in insurance agency activities. It also offers various non-deposit investments to its customers, including annuities and mutual funds, through a third-party broker-dealer.

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