Territorial Bancorp Stock Buy Hold or Sell Recommendation
| TBNK Stock | USD 7.27 0.04 0.55% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Territorial Bancorp is 'Hold'. Macroaxis provides Territorial Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding TBNK positions. The advice algorithm takes into account all of Territorial Bancorp's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Territorial Bancorp's buy or sell advice are summarized below:
Real Value 9.36 | Target Price 10.5 | Hype Value 7.2 | Market Value 7.27 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Territorial Bancorp given historical horizon and risk tolerance towards Territorial Bancorp. When Macroaxis issues a 'buy' or 'sell' recommendation for Territorial Bancorp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Territorial |
Execute Territorial Bancorp Buy or Sell Advice
The Territorial recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Territorial Bancorp. Macroaxis does not own or have any residual interests in Territorial Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Territorial Bancorp's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Very Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Territorial Bancorp Trading Alerts and Improvement Suggestions
| Territorial Bancorp generated a negative expected return over the last 90 days | |
| About 18.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from news.google.com: Territorial Bancorp Is Paying Out A Dividend Of 0.23 - Yahoo Movies UK |
Territorial Bancorp Returns Distribution Density
The distribution of Territorial Bancorp's historical returns is an attempt to chart the uncertainty of Territorial Bancorp's future price movements. The chart of the probability distribution of Territorial Bancorp daily returns describes the distribution of returns around its average expected value. We use Territorial Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Territorial Bancorp returns is essential to provide solid investment advice for Territorial Bancorp.
| Mean Return | -0.6 | Value At Risk | -4.34 | Potential Upside | 2.69 | Standard Deviation | 2.13 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Territorial Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Territorial Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Territorial Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Territorial Bancorp backward and forwards among themselves. Territorial Bancorp's institutional investor refers to the entity that pools money to purchase Territorial Bancorp's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Wellington Management Company Llp | 2023-12-31 | 62.5 K | Bridgeway Capital Management, Llc | 2023-12-31 | 61.6 K | Blackrock Inc | 2023-12-31 | 52.7 K | White Pine Capital Llc | 2023-12-31 | 50.7 K | Jacobs Levy Equity Management, Inc. | 2023-09-30 | 41.9 K | Morgan Stanley - Brokerage Accounts | 2023-12-31 | 39.5 K | American Century Companies Inc | 2023-12-31 | 38.8 K | State Street Corporation | 2023-12-31 | 34.3 K | Northern Trust Corp | 2023-12-31 | 26.4 K | Alliancebernstein L.p. | 2023-12-31 | 476 K | Renaissance Technologies Corp | 2023-12-31 | 460.7 K |
Territorial Bancorp Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (2.3M) | 318.7M | (263.7M) | (59.3M) | 86.1M | 90.4M | |
| Free Cash Flow | 21.6M | 19.2M | 12.2M | 12.0M | 7.6M | 13.7M | |
| Depreciation | 3.9M | 4.5M | 4.2M | 4.1M | 3.9M | 2.2M | |
| Other Non Cash Items | (2.7M) | (2.2M) | (1.7M) | (1.9M) | (1.2M) | (1.1M) | |
| Dividends Paid | 13.7M | 8.4M | 10.2M | 9.1M | 6.4M | 7.1M | |
| Capital Expenditures | 363K | 718K | 1.8M | 4.7M | 685K | 650.8K | |
| Net Income | 22.0M | 18.6M | 17.4M | 16.2M | 5.0M | 4.7M | |
| End Period Cash Flow | 44.8M | 363.5M | 99.9M | 40.6M | 126.7M | 110.5M | |
| Change To Netincome | 515K | (873K) | 236K | 1.3M | 1.2M | 1.1M | |
| Change To Inventory | (2.7M) | (3.4M) | (8.1M) | 219K | 197.1K | 207.0K | |
| Investments | (6.1M) | 298.3M | (277.6M) | (96.1M) | 1.7M | 1.8M | |
| Change Receivables | (135K) | (1.1M) | 729K | (329K) | (296.1K) | (281.3K) | |
| Net Borrowings | 38.2M | 35M | 13.8M | (15.0M) | (17.2M) | (16.4M) |
Territorial Bancorp Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Territorial Bancorp or Thrifts & Mortgage Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Territorial Bancorp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Territorial stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.73 | |
β | Beta against NYSE Composite | 1.59 | |
σ | Overall volatility | 2.16 | |
Ir | Information ratio | -0.32 |
Territorial Bancorp Volatility Alert
Territorial Bancorp exhibits very low volatility with skewness of -0.38 and kurtosis of 0.47. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Territorial Bancorp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Territorial Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Territorial Bancorp Fundamentals Vs Peers
Comparing Territorial Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Territorial Bancorp's direct or indirect competition across all of the common fundamentals between Territorial Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as Territorial Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Territorial Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing Territorial Bancorp by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Territorial Bancorp to competition |
| Fundamentals | Territorial Bancorp | Peer Average |
| Return On Equity | 0.0198 | -0.31 |
| Return On Asset | 0.0023 | -0.14 |
| Profit Margin | 0.11 % | (1.27) % |
| Operating Margin | 0.06 % | (5.51) % |
| Current Valuation | 255.37 M | 16.62 B |
| Shares Outstanding | 8.83 M | 571.82 M |
| Shares Owned By Insiders | 17.70 % | 10.09 % |
| Shares Owned By Institutions | 41.79 % | 39.21 % |
| Number Of Shares Shorted | 43.9 K | 4.71 M |
| Price To Earning | 10.91 X | 28.72 X |
| Price To Book | 0.25 X | 9.51 X |
| Price To Sales | 1.41 X | 11.42 X |
| Revenue | 71.56 M | 9.43 B |
| Gross Profit | 60.27 M | 27.38 B |
| EBITDA | 3.87 M | 3.9 B |
| Net Income | 4.98 M | 570.98 M |
| Cash And Equivalents | 36.29 M | 2.7 B |
| Cash Per Share | 3.98 X | 5.01 X |
| Total Debt | 319.3 M | 5.32 B |
| Debt To Equity | 0.24 % | 48.70 % |
| Book Value Per Share | 29.26 X | 1.93 K |
| Cash Flow From Operations | 8.25 M | 971.22 M |
| Short Ratio | 5.19 X | 4.00 X |
| Earnings Per Share | 0.57 X | 3.12 X |
| Price To Earnings To Growth | 4.54 X | 4.89 X |
| Target Price | 9.0 | |
| Number Of Employees | 232 | 18.84 K |
| Beta | 0.64 | -0.15 |
| Market Capitalization | 64.52 M | 19.03 B |
| Total Asset | 2.24 B | 29.47 B |
| Retained Earnings | 211.64 M | 9.33 B |
| Annual Yield | 0.08 % | |
| Five Year Return | 3.42 % |
Note: Disposition of tradable shares by Melvin Miyamoto of Territorial Bancorp at 24.83 subject to Rule 16b-3 [view details]
Territorial Bancorp Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Territorial . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 1174.91 | |||
| Daily Balance Of Power | (0.05) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 7.52 | |||
| Day Typical Price | 7.43 | |||
| Market Facilitation Index | 1.0E-4 | |||
| Price Action Indicator | (0.27) | |||
| Period Momentum Indicator | (0.04) |
About Territorial Bancorp Buy or Sell Advice
When is the right time to buy or sell Territorial Bancorp? Buying financial instruments such as Territorial Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 151.7M | 156.3M | 319.3M | 335.3M | Total Assets | 2.1B | 2.2B | 2.2B | 2.0B |
Use Investing Ideas to Build Portfolios
In addition to having Territorial Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Check out Territorial Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more information on how to buy Territorial Stock please use our How to buy in Territorial Stock guide.You can also try the Premium Stories module to follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope.
Complementary Tools for Territorial Stock analysis
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.