Territorial Bancorp, Inc. (TBNK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Territorial Bancorp, Inc.

Why is Territorial Bancorp, Inc. ?

With a fall in Interest of NAN%, the company declared Very Negative results in Dec 24

The company has declared negative results for the last 9 consecutive quarters
OPERATING CASH FLOW(Y) Lowest at USD -7.5 MM
NII(Q) Lowest at USD 7.21 MM
INTEREST(9M) At USD 31.38 MM has Grown at 43.78%

Risky - Not traded in last 10 days

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 0%, its profits have fallen by -186.4%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Territorial Bancorp, Inc. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Territorial Bancorp, Inc.

6.39%

0.17

36.86%

S&P 500

13.22%

0.61

20.23%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-0.88%

EBIT Growth (5y)

-172.01%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

50.45%

Pledged Shares

Institutional Holding

67.56%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.30

EV to EBIT

-11.42

EV to EBITDA

-15.05

EV to Capital Employed

0.37

EV to Sales

1.40

PEG Ratio

Dividend Yield

0.36%

ROCE (Latest)

-3.21%

ROE (Latest)

-1.73%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bullish

Dow Theory

Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is not working for Territorial Bancorp, Inc.

Pre-Tax Profit

At USD -3 MM has Fallen at -261.55%

over average net sales of the previous four periods of USD -0.83 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -1.72 MM has Fallen at -207.03%

over average net sales of the previous four periods of USD -0.56 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

NII

Lowest at USD 7.21 MM and Fallen

In each period in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Operating Cash Flow

Lowest at USD -7.5 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit

Lowest at USD -3 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at -16.75 % and Fallen

In each period in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD -3 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -1.72 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Interest

At USD 31.38 MM has Grown at 43.78%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

EPS

Lowest at USD -0.2

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Cash and Eqv

Lowest at USD 16.52 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Dividend per share

Lowest at USD 0

in the last five years

MOJO Watch

Company is distributing lower dividend than previous years

DPS (USD)

Credit Deposit Ratio

Lowest at 74.91%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)