Territorial Bancorp Balance Sheet Health

Financial Health criteria checks 6/6

Territorial Bancorp has total assets of $2.2B and total equity of $248.7M. Total deposits are $1.7B, and total loans are $1.3B. It earns a Net Interest Margin of 2%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $143.1M.

Key information

8.8x

Asset to equity ratio

2.0%

Net interest margin

Total deposits	US$1.67b
Loan to deposit ratio	Appropriate
Bad loans	0.2%
Allowance for bad loans	Sufficient
Current ratio	Low
Cash & equivalents	US$143.13m

Recent financial health updates

No updates

Recent updates

Territorial Bancorp's (NASDAQ:TBNK) Shareholders Will Receive A Smaller Dividend Than Last Year

Nov 05

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: TBNK's Assets to Equity ratio (8.8x) is low.

Allowance for Bad Loans: TBNK has a sufficient allowance for bad loans (216%).

Low Risk Liabilities: 86% of TBNK's liabilities are made up of primarily low risk sources of funding.

Loan Level: TBNK has an appropriate level of Loans to Assets ratio (58%).

Low Risk Deposits: TBNK's Loans to Deposits ratio (77%) is appropriate.

Level of Bad Loans: TBNK has an appropriate level of bad loans (0.2%).

Territorial Bancorp Balance Sheet Health

Financial Health criteria checks 6/6

Key information

Recent financial health updates

Recent updates

Territorial Bancorp Inc. Approves a Dividend, Payable on November 22, 2024

Blue Hill Advisors Advance Offer with Detailed Disclosure to Board of Territorial Bancorp Inc

Yakira Capital Management Provides Information to Shareholders of Territorial Bancorp

Yakira Capital Urges Territorial Bancorp to Reconsider Acquisition Offer From Blue Hill Advisors

Investor group comprised of Allan Landon, Blue Hill Advisors LLC and others cancelled the acquisition of Territorial Bancorp Inc. (NasdaqGS:TBNK).

Consensus EPS estimates fall by 44%

Price target increased by 24% to US$11.27

Second quarter dividend of US$0.01 announced

Second quarter 2024 earnings: EPS and revenues miss analyst expectations

Territorial Bancorp Inc. Approves Dividend, Payable on August 23, 2024

Investor sentiment improves as stock rises 20%

Upcoming dividend of CA$0.01 per share

Upcoming dividend of US$0.01 per share

Territorial Bancorp Inc. Declares Quarterly Cash Dividend, Payable on June 10, 2024

Consensus EPS estimates fall by 29%

Hope Bancorp, Inc. (NasdaqGS:HOPE) signed a definitive merger agreement to acquire Territorial Bancorp Inc. (NasdaqGS:TBNK) for $77.89 million.

Territorial Bancorp Inc., Annual General Meeting, May 16, 2024

Full year 2023 earnings: EPS misses analyst expectations

Investor sentiment deteriorates as stock falls 16%

Consensus EPS estimates fall by 38%

New major risk - Revenue and earnings growth

Fourth quarter dividend of US$0.05 announced

Full year 2023 earnings: EPS misses analyst expectations

Territorial Bancorp Inc. Approves Quarterly Cash Dividend, Payable on February 23, 2024

Investor sentiment improves as stock rises 17%

Territorial Bancorp's (NASDAQ:TBNK) Shareholders Will Receive A Smaller Dividend Than Last Year

Third quarter 2023 earnings: EPS and revenues miss analyst expectations

Territorial Bancorp Inc. Declares Quarterly Dividend, Payable on November 24, 2023

Territorial Bancorp Inc. Declares Quarterly Dividend, Payable on November 24, 2023

Price target decreased by 7.1% to US$13.00

Investor sentiment deteriorates as stock falls 20%

Consensus EPS estimates fall by 19%

Upcoming dividend of US$0.23 per share at 9.1% yield

New minor risk - Market cap size

Now 30% undervalued

Second quarter 2023 earnings: EPS and revenues miss analyst expectations

Territorial Bancorp Inc. Approves Quarterly Cash Dividend, Payable on August 25, 2023

Price target decreased by 11% to US$18.33

Investor sentiment improves as stock rises 21%

Price target decreased by 13% to US$20.67

Consensus EPS estimates fall by 25%

Investor sentiment deteriorates as stock falls 31%

Now 43% undervalued after recent price drop

Territorial Bancorp (NASDAQ:TBNK) Is Paying Out A Dividend Of $0.23

Full year 2022 earnings: Revenues and EPS in line with analyst expectations

Consensus EPS estimates fall by 27%

Full year 2022 earnings: Revenues and EPS in line with analyst expectations

Territorial Bancorp Inc. Approves Quarterly Cash Dividend, Payable on February 23, 2023

Territorial Bancorp (NASDAQ:TBNK) Will Pay A Dividend Of $0.10

Territorial Bancorp Inc. Declares Special Dividend, Payable on December 29, 2022

Territorial Bancorp Inc. (NasdaqGS:TBNK) announces an Equity Buyback for $5 million worth of its shares.

Insufficient new directors

Upcoming dividend of US$0.23 per share

Territorial Bancorp's (NASDAQ:TBNK) Dividend Will Be $0.23

Insufficient new directors

Third quarter 2022 earnings: EPS exceeds analyst expectations

Territorial Bancorp Inc. Approves A Quarterly Cash Dividend, Expected to Be Payable on November 23, 2022

Insufficient new directors

Territorial Bancorp (NASDAQ:TBNK) Is Paying Out A Dividend Of $0.23

Territorial Bancorp Inc. Announces Demise of David Murakami

Upcoming dividend of US$0.23 per share

Second quarter 2022 earnings: EPS and revenues exceed analyst expectations

Territorial Bancorp Inc. Declares Quarterly Cash Dividend, Payable on August 25, 2022

Territorial Bancorp declares $0.23 dividend

Price target decreased to US$26.33

Territorial Bancorp's (NASDAQ:TBNK) Dividend Will Be US$0.23

Upcoming dividend of US$0.23 per share

First quarter 2022 earnings: EPS and revenues exceed analyst expectations

Insufficient new directors

Territorial Bancorp Inc., Annual General Meeting, May 19, 2022

Vice Chairman recently sold US$83k worth of stock

Territorial Bancorp Inc. (NasdaqGS:TBNK) announces an Equity Buyback for $5 million worth of its shares.

Upcoming dividend of US$0.23 per share

Territorial Bancorp (NASDAQ:TBNK) Has Announced A Dividend Of US$0.23

Full year 2021 earnings: EPS and revenues exceed analyst expectations