Richard Lau - Territorial Bancorp SVP
| TBNK Stock | USD 7.03 0.03 0.43% |
SVP
Mr. Richard K. C. Lau is the Senior Vice President, Chief Lending Officer of Territorial Savings Bank, subsidiary of Territorial Bancorp Inc. Mr. Lau was employed at other financial institutions in the State of Hawaii beginning in 1970. since 1985.
| Age | 71 |
| Tenure | 39 years |
| Address | Pauahi Tower, Honolulu, HI, United States, 96813 |
| Phone | 808 946 1400 |
| Web | https://www.territorialsavings.net |
Territorial Bancorp Management Efficiency
Return On Tangible Assets is expected to rise to 0.02 this year, although the value of Return On Capital Employed will most likely fall to 0.02. At this time, Territorial Bancorp's Non Current Liabilities Total is quite stable compared to the past year. Total Current Liabilities is expected to rise to about 531.4 M this year, although the value of Liabilities And Stockholders Equity will most likely fall to about 2 B. Territorial Bancorp's management efficiency ratios could be used to measure how well Territorial Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
| Found 5 records | SVP Age | ||
| Herman Robinson | First Financial Northwest | 68 | |
| Ronnie Clariza | First Financial Northwest | 43 | |
| Nathan Higdon | TC Bancshares | 49 | |
| Simon Soh | First Financial Northwest | 59 | |
| Richard Elder | First Bancorp | 59 | |
Management Performance
| Return On Equity | 0.0198 | ||||
| Return On Asset | 0.0023 |
Territorial Bancorp Leadership Team
Elected by the shareholders, the Territorial Bancorp's board of directors comprises two types of representatives: Territorial Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Territorial. The board's role is to monitor Territorial Bancorp's management team and ensure that shareholders' interests are well served. Territorial Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Territorial Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Walter Ida, Sr. VP of Investment Services, Director of Investor Relations, Sr. VP of Investment Services - Territorial Savings Bank and Director of Investor Relations - Territorial Savings Bank | ||
| Dennis Hironaka, VP Audit | ||
| Troy Yoshimasu, Senior Officer | ||
| 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 | ||
| Stanley Tanaka, Regulatory Administrative | ||
| Kirk Caldwell, Independent Director | ||
| Karen Cox, Senior Vice President - Administration of Territorial Savings Bank | ||
| Allan Kitagawa, Chairman, CEO and President Chairman of Territorial Savings Bank, CEO of Territorial Savings Bank and President of Territorial Savings Bank | ||
| Denise Takashima, Senior Marketing | ||
| Richard Lau, Chief Lending Officer, Sr. VP, Chief Lending Officer of Territorial Savings Bank and Sr. VP of Territorial Savings Bank | ||
| Jan Loo, Senior Services | ||
| Richard Murakami, Independent Director | ||
| Jennifer Isobe, Director | ||
| Robert Costa, VP Admin | ||
| Ralph Nakatsuka, Vice Chairman, Co-COO, Vice Chairman of Territorial Savings Bank and Co-COO of Territorial Savings Bank | ||
| David Murakami, Independent Director | ||
| Francis Tanaka, Independent Director | ||
| Howard Ikeda, Independent Director | ||
| Vernon Hirata, Vice Chairman, Co-COO, General Counsel, Secretary, Vice Chairman of Territorial Savings Bank, General Counsel of Territorial Savings Bank and Secretary of Territorial Savings Bank | ||
| Diane Tamashiro, Executive Finance |
Territorial Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Territorial Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.0198 | ||||
| Return On Asset | 0.0023 | ||||
| Profit Margin | 0.11 % | ||||
| Operating Margin | 0.06 % | ||||
| Current Valuation | 252.03 M | ||||
| Shares Outstanding | 8.83 M | ||||
| Shares Owned By Insiders | 17.70 % | ||||
| Shares Owned By Institutions | 41.79 % | ||||
| Number Of Shares Shorted | 43.9 K | ||||
| Price To Earning | 10.91 X |
Currently Active Assets on Macroaxis
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 tightly coupled 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 Cryptocurrency Center module to build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency.
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When running Territorial Bancorp's price analysis, check to measure Territorial Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Territorial Bancorp is operating at the current time. Most of Territorial Bancorp's value examination focuses on studying past and present price action to predict the probability of Territorial Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Territorial Bancorp's price. Additionally, you may evaluate how the addition of Territorial Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Territorial Bancorp's industry 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 0.74 | Earnings Share 0.57 | Revenue Per Share 5.223 | Quarterly Revenue Growth (0.32) |
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.