Territorial Earning Assets vs Net Debt Analysis

TBNK Stock

USD 8.03 0.12 1.52%

Territorial Bancorp financial indicator trend analysis is much more than just breaking down Territorial Bancorp prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Territorial Bancorp is a good investment. Please check the relationship between Territorial Bancorp Earning Assets and its Net Debt accounts. 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.

Earning Assets vs Net Debt

Earning Assets vs Net Debt Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Territorial Bancorp Earning Assets account and Net Debt. At this time, the significance of the direction appears to have strong contrarian relationship.

The correlation between Territorial Bancorp's Earning Assets and Net Debt is -0.6. Overlapping area represents the amount of variation of Earning Assets that can explain the historical movement of Net Debt in the same time period over historical financial statements of Territorial Bancorp, assuming nothing else is changed. The correlation between historical values of Territorial Bancorp's Earning Assets and Net Debt is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Earning Assets of Territorial Bancorp are associated (or correlated) with its Net Debt. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Debt has no effect on the direction of Earning Assets i.e., Territorial Bancorp's Earning Assets and Net Debt go up and down completely randomly.

Correlation Coefficient

-0.6

Relationship Direction	Negative
Relationship Strength	Weak

View All Relationships

Earning Assets

Net Debt

The total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds.

Most indicators from Territorial Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Territorial Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. 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.At this time, Territorial Bancorp's Selling General Administrative is quite stable compared to the past year. Sales General And Administrative To Revenue is expected to rise to 0.48 this year, although the value of Tax Provision will most likely fall to about 2.7 M.

	2021	2022	2023	2024 (projected)
Interest Expense	6.3M	7.2M	6.8M	10.0M
Depreciation And Amortization	4.2M	4.1M	3.9M	2.2M

Interest Expense Depreciation And Amortization

Territorial Bancorp fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Other Liab	Property Plant And Equipment Net	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Long Term Debt	Cash And Short Term Investments	Net Receivables	Common Stock Shares Outstanding	Non Current Liabilities Total	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Property Plant Equipment	Inventory	Total Current Liabilities	Common Stock Total Equity	Other Stockholder Equity	Treasury Stock
Total Assets		0.61	0.88	-0.83	0.67	0.38	0.98	-0.65	0.16	0.15	0.4	0.21	0.71	-0.09	0.77	-0.84	0.48	0.86	0.54	0.29	0.46	-0.32	-0.42	-0.85	-0.94	0.96
Short Long Term Debt Total	0.61		0.34	-0.68	0.8	0.72	0.59	-0.07	0.09	0.72	0.81	-0.45	0.77	-0.54	0.68	-0.58	0.76	0.37	0.92	0.03	0.32	-0.84	0.39	-0.73	-0.57	0.51
Total Stockholder Equity	0.88	0.34		-0.57	0.52	0.08	0.86	-0.92	0.28	0.11	0.23	0.2	0.45	0.07	0.54	-0.85	0.33	0.77	0.4	0.27	0.4	-0.21	-0.72	-0.8	-0.88	0.82
Other Liab	-0.83	-0.68	-0.57		-0.55	-0.55	-0.79	0.32	0.01	-0.16	-0.49	-0.2	-0.66	0.22	-0.72	0.69	-0.45	-0.69	-0.49	-0.17	-0.31	0.32	0.11	0.71	0.75	-0.84
Property Plant And Equipment Net	0.67	0.8	0.52	-0.55		0.44	0.73	-0.24	0.28	0.42	0.45	-0.37	0.68	-0.19	0.68	-0.61	0.81	0.44	0.88	0.48	0.53	-0.58	0.1	-0.72	-0.67	0.57
Net Debt	0.38	0.72	0.08	-0.55	0.44		0.35	0.12	-0.62	0.5	0.45	-0.32	0.54	-0.88	0.37	-0.35	0.63	0.23	0.57	-0.01	-0.25	-0.57	0.43	-0.47	-0.36	0.34
Retained Earnings	0.98	0.59	0.86	-0.79	0.73	0.35		-0.62	0.19	0.12	0.32	0.16	0.69	-0.05	0.75	-0.82	0.52	0.86	0.56	0.39	0.54	-0.3	-0.4	-0.84	-0.95	0.94
Accounts Payable	-0.65	-0.07	-0.92	0.32	-0.24	0.12	-0.62		-0.25	-0.07	-0.12	-0.21	-0.2	-0.11	-0.25	0.75	-0.13	-0.62	-0.19	-0.12	-0.19	0.11	0.85	0.66	0.71	-0.6
Cash	0.16	0.09	0.28	0.01	0.28	-0.62	0.19	-0.25		0.08	0.26	-0.03	0.12	0.66	0.25	-0.14	-0.05	0.1	0.21	0.05	0.73	-0.11	-0.18	-0.14	-0.13	0.1
Non Current Assets Total	0.15	0.72	0.11	-0.16	0.42	0.5	0.12	-0.07	0.08		0.79	-0.78	0.43	-0.68	0.21	-0.39	0.55	0.0	0.79	-0.37	0.05	-0.97	0.45	-0.54	-0.23	-0.02
Non Currrent Assets Other	0.4	0.81	0.23	-0.49	0.45	0.45	0.32	-0.12	0.26	0.79		-0.4	0.54	-0.45	0.47	-0.51	0.44	0.28	0.73	-0.37	0.15	-0.85	0.33	-0.6	-0.38	0.31
Other Assets	0.21	-0.45	0.2	-0.2	-0.37	-0.32	0.16	-0.21	-0.03	-0.78	-0.4		-0.19	0.55	0.02	0.03	-0.65	0.34	-0.64	-0.04	0.06	0.76	-0.61	0.19	-0.1	0.41
Long Term Debt	0.71	0.77	0.45	-0.66	0.68	0.54	0.69	-0.2	0.12	0.43	0.54	-0.19		-0.31	0.69	-0.44	0.56	0.44	0.68	0.11	0.38	-0.56	0.1	-0.62	-0.61	0.57
Cash And Short Term Investments	-0.09	-0.54	0.07	0.22	-0.19	-0.88	-0.05	-0.11	0.66	-0.68	-0.45	0.55	-0.31		-0.07	0.24	-0.54	-0.01	-0.49	0.23	0.47	0.67	-0.47	0.37	0.16	0.0
Net Receivables	0.77	0.68	0.54	-0.72	0.68	0.37	0.75	-0.25	0.25	0.21	0.47	0.02	0.69	-0.07		-0.51	0.51	0.53	0.58	0.28	0.57	-0.38	-0.03	-0.6	-0.62	0.71
Common Stock Shares Outstanding	-0.84	-0.58	-0.85	0.69	-0.61	-0.35	-0.82	0.75	-0.14	-0.39	-0.51	0.03	-0.44	0.24	-0.51		-0.53	-0.81	-0.63	-0.16	-0.31	0.5	0.41	0.96	0.94	-0.8
Non Current Liabilities Total	0.48	0.76	0.33	-0.45	0.81	0.63	0.52	-0.13	-0.05	0.55	0.44	-0.65	0.56	-0.54	0.51	-0.53		0.28	0.86	0.53	0.14	-0.71	0.28	-0.66	-0.53	0.34
Total Liab	0.86	0.37	0.77	-0.69	0.44	0.23	0.86	-0.62	0.1	0.0	0.28	0.34	0.44	-0.01	0.53	-0.81	0.28		0.32	0.21	0.33	-0.14	-0.49	-0.75	-0.88	0.88
Property Plant And Equipment Gross	0.54	0.92	0.4	-0.49	0.88	0.57	0.56	-0.19	0.21	0.79	0.73	-0.64	0.68	-0.49	0.58	-0.63	0.86	0.32		0.15	0.35	-0.89	0.31	-0.77	-0.58	0.39
Total Current Assets	0.29	0.03	0.27	-0.17	0.48	-0.01	0.39	-0.12	0.05	-0.37	-0.37	-0.04	0.11	0.23	0.28	-0.16	0.53	0.21	0.15		0.21	0.19	-0.19	-0.15	-0.3	0.27
Property Plant Equipment	0.46	0.32	0.4	-0.31	0.53	-0.25	0.54	-0.19	0.73	0.05	0.15	0.06	0.38	0.47	0.57	-0.31	0.14	0.33	0.35	0.21		-0.11	-0.12	-0.36	-0.43	0.43
Inventory	-0.32	-0.84	-0.21	0.32	-0.58	-0.57	-0.3	0.11	-0.11	-0.97	-0.85	0.76	-0.56	0.67	-0.38	0.5	-0.71	-0.14	-0.89	0.19	-0.11		-0.43	0.65	0.37	-0.14
Total Current Liabilities	-0.42	0.39	-0.72	0.11	0.1	0.43	-0.4	0.85	-0.18	0.45	0.33	-0.61	0.1	-0.47	-0.03	0.41	0.28	-0.49	0.31	-0.19	-0.12	-0.43		0.24	0.44	-0.47
Common Stock Total Equity	-0.85	-0.73	-0.8	0.71	-0.72	-0.47	-0.84	0.66	-0.14	-0.54	-0.6	0.19	-0.62	0.37	-0.6	0.96	-0.66	-0.75	-0.77	-0.15	-0.36	0.65	0.24		0.94	-0.77
Other Stockholder Equity	-0.94	-0.57	-0.88	0.75	-0.67	-0.36	-0.95	0.71	-0.13	-0.23	-0.38	-0.1	-0.61	0.16	-0.62	0.94	-0.53	-0.88	-0.58	-0.3	-0.43	0.37	0.44	0.94		-0.91
Treasury Stock	0.96	0.51	0.82	-0.84	0.57	0.34	0.94	-0.6	0.1	-0.02	0.31	0.41	0.57	0.0	0.71	-0.8	0.34	0.88	0.39	0.27	0.43	-0.14	-0.47	-0.77	-0.91

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Territorial Bancorp Account Relationship Matchups

Territorial Bancorp fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	2.1B	2.1B	2.1B	2.2B	2.2B	2.0B
Short Long Term Debt Total	168.2M	154.1M	151.7M	156.3M	319.3M	335.3M
Total Stockholder Equity	243.9M	248.7M	256.3M	256.6M	251.1M	237.9M
Other Liab	7.0M	6.8M	6.2M	5.6M	5.0M	4.8M
Property Plant And Equipment Net	16.0M	17.2M	14.0M	22.1M	19.6M	20.5M
Net Debt	123.4M	(209.4M)	51.9M	115.7M	192.6M	202.3M
Retained Earnings	190.8M	200.1M	208.2M	215.3M	211.6M	174.8M
Accounts Payable	23.0M	29.2M	22.6M	24.2M	23.3M	22.2M
Cash	44.8M	363.5M	99.9M	40.6M	126.7M	110.5M
Non Current Assets Total	388.5M	268.4M	650.5M	23.7M	2.2B	2.3B
Non Currrent Assets Other	(388.5M)	(268.4M)	(650.5M)	(738.6M)	57.2M	60.1M
Other Assets	1.6B	1.5B	1.4B	783.6M	1.0	0.95
Long Term Debt	107.2M	142.2M	156M	141M	242M	125.1M
Cash And Short Term Investments	53.4M	367.1M	99.9M	61.4M	(126.7M)	(120.3M)
Net Receivables	5.4M	6.5M	5.8M	6.1M	6.4M	5.7M
Common Stock Shares Outstanding	9.3M	9.2M	9.1M	8.9M	8.7M	8.0M
Liabilities And Stockholders Equity	2.1B	2.1B	2.1B	2.2B	2.2B	2.0B
Non Current Liabilities Total	168.2M	154.1M	151.7M	1.9B	1.5B	1.6B
Total Liab	1.8B	1.9B	1.9B	1.9B	2.0B	1.3B
Property Plant And Equipment Gross	16.0M	17.2M	14.0M	22.1M	39.3M	41.3M
Total Current Assets	58.8M	373.6M	105.6M	1.4B	16.9M	16.1M
Accumulated Other Comprehensive Income	(7.7M)	(8.7M)	(5.5M)	(7.7M)	(8.7M)	(8.2M)
Property Plant Equipment	4.4M	17.2M	14.0M	7.6M	8.7M	7.2M
Inventory	(15.0M)	(20.9M)	(17.4M)	612K	(1.2B)	(1.1B)
Total Current Liabilities	23.0M	29.2M	22.6M	60.9M	506.1M	531.4M
Other Stockholder Equity	60.7M	57.2M	53.5M	48.9M	48.0M	56.5M
Short Term Investments	8.6M	3.6M	636.4M	20.8M	20.2M	19.2M
Other Current Liab	(23.0M)	(29.2M)	(22.6M)	21.5M	366.3M	384.6M
Net Tangible Assets	243.9M	248.7M	256.3M	256.6M	295.0M	255.4M
Retained Earnings Total Equity	190.8M	200.1M	208.2M	215.3M	247.6M	189.3M
Capital Surpluse	65.1M	61.2M	57.0M	51.8M	46.6M	57.3M
Long Term Investments	2.0B	251.2M	636.4M	738.6M	705.9M	1.1B
Non Current Liabilities Other	185.1M	170.9M	168.0M	171.9M	197.7M	152.6M
Short Term Debt	28.2M	3.1M	2.8M	15.3M	139.8M	146.8M
Other Current Assets	15.0M	20.9M	17.4M	1.3B	16.9M	16.1M

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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:

How To Invest In Territorial

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Is Territorial Stock a good investment?

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What is Territorial Bancorp's Net Worth?

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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 Positions Ratings module to determine portfolio positions ratings based on digital equity recommendations. Macroaxis instant position ratings are based on combination of fundamental analysis and risk-adjusted market performance.

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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

0.56

Earnings Share

0.25

Revenue Per Share

4.85

Quarterly Revenue Growth

(0.27)

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.

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Territorial Earning Assets vs Net Debt Analysis

Earning Assets vs Net Debt

Earning Assets vs Net Debt Correlation Analysis

Correlation Coefficient

Earning Assets

Net Debt

Territorial Bancorp fundamental ratios Correlations

Territorial Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Territorial Bancorp fundamental ratios Accounts

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Complementary Tools for Territorial Stock analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Retained Earnings	+ 0.98	Total Assets
Treasury Stock	+ 0.96	Total Assets
Common Stock Total Equity	+ 0.96	Common Stock Shares Outstanding
Treasury Stock	+ 0.94	Retained Earnings
Other Stockholder Equity	+ 0.94	Common Stock Shares Outstanding
Other Stockholder Equity	+ 0.94	Common Stock Total Equity

Inventory	- 0.97	Non Current Assets Total
Other Stockholder Equity	- 0.95	Retained Earnings
Other Stockholder Equity	- 0.94	Total Assets
Accounts Payable	- 0.92	Total Stockholder Equity
Treasury Stock	- 0.91	Other Stockholder Equity
Inventory	- 0.89	Property Plant And Equipment Gross