Territorial Bancorp Inc. (TBNK)
ValueMarkers Composite Index
55% below intrinsic value ($18)
Territorial Bancorp Inc. (TBNK) — VMCI valuation read
Composite valuation read on TBNK: VMCI 40/100 against a Financial Services sector median of 50. The 10-point below-median print is the headline number for Territorial Bancorp Inc., and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for TBNK: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on TBNK: TBNK trades at 19.0x earnings, 6% above the Financial Services median of 18.0x; ROIC of 9.0% trails the Financial Services median (10.0%) by 1.0pp; net debt to EBITDA of 2.9x is the rate-sensitivity line to watch. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
TBNK fell 2.5% over the trailing 7 days, with a -17.9% read on a 30-day basis.
Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that provides various financial services to individuals, families, and businesses in the State of Hawaii. The company offers a range of deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and Super NOW accounts. It also provides various loan products comprising one-to four-family residential mortgage; home equity; consumer; multi-family mortgage; commercial business; and construction, commercial, and other nonresidential real estate loans, as well as lines of credit and investment securities. In addition, the company engages in insurance agency activities. Further, it provides various non-deposit investments, including annuities and mutual funds through a third-party broker-dealer. The company operates through a network of 29 full-service branches located in the state of Hawaii. Territorial Bancorp Inc. was founded in 1921 and is based in Honolulu, Hawaii.
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