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Upturn AI SWOT - About
TBNK 
Territorial Bancorp Inc (TBNK)
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Upturn Advisory Summary
04/01/2025: TBNK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 12.93% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 66.37M USD | Price to earnings Ratio - | 1Y Target Price 12.47 |
Price to earnings Ratio - | 1Y Target Price 12.47 | ||
Volume (30-day avg) 10894 | Beta 0.62 | 52 Weeks Range 6.89 - 11.42 | Updated Date 04/6/2025 |
52 Weeks Range 6.89 - 11.42 | Updated Date 04/6/2025 | ||
Dividends yield (FY) 0.48% | Basic EPS (TTM) -0.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -11.81% | Operating Margin (TTM) -26.92% |
Management Effectiveness
Return on Assets (TTM) -0.2% | Return on Equity (TTM) -1.72% |
Valuation
Trailing PE - | Forward PE 19.12 | Enterprise Value 126335496 | Price to Sales(TTM) 1.82 |
Enterprise Value 126335496 | Price to Sales(TTM) 1.82 | ||
Enterprise Value to Revenue 7.12 | Enterprise Value to EBITDA - | Shares Outstanding 7967610 | Shares Floating 7017749 |
Shares Outstanding 7967610 | Shares Floating 7017749 | ||
Percent Insiders 17.68 | Percent Institutions 46.5 |
Analyst Ratings
Rating 3 | Target Price 12.47 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Territorial Bancorp Inc
Company Overview
History and Background
Territorial Bancorp Inc. is the holding company for Territorial Savings Bank, founded in 1921 in Hawaii. It initially served sugar plantation workers and has grown to offer a range of banking services across the state.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers banking services to businesses, including commercial loans, deposit accounts, and cash management services.
- Wealth Management: Provides wealth management services to individuals and families.
Leadership and Structure
Allan Kitagawa serves as Chairman and CEO. The company has a board of directors overseeing its operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Territorial Savings Bank is a major provider of residential mortgages in Hawaii. Competitors include Bank of Hawaii (BOH), American Savings Bank, and national lenders.
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and certificates of deposit. Competitors include Bank of Hawaii (BOH), First Hawaiian Bank (FHB), and American Savings Bank.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. Factors influencing it include interest rates, economic growth, and regulatory changes. The Hawaiian market is dominated by a few major players.
Positioning
Territorial Bancorp Inc. is a community-focused bank with a strong presence in Hawaii. Its competitive advantage lies in its local expertise and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in Hawaii is estimated to be in the billions of dollars. Territorial Bancorp Inc. holds a modest but meaningful share of this market.
Upturn SWOT Analysis
Strengths
- Strong local brand in Hawaii
- Long-standing customer relationships
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger competitors
- Reliance on the Hawaiian economy
- Lower Profit Margins than larger competitors
Opportunities
- Expansion of wealth management services
- Increased online banking adoption
- Growth in the Hawaiian economy
- Strategic acquisitions
Threats
- Increased competition from larger banks
- Economic downturn in Hawaii
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOH
- FHB
- ASB
Competitive Landscape
Territorial Bancorp Inc. competes with larger banks and smaller community banks. Its strength is its local focus, while its disadvantage is its smaller size.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires access to historical financial data to assess growth trends.
Future Projections: Analyst estimates would be necessary for future growth projections.
Recent Initiatives: Recent strategic initiatives are not publicly available without further research.
Summary
Territorial Bancorp Inc is a community bank with a strong presence in Hawaii, benefiting from local expertise. Its small size and geographic concentration pose challenges, however. To improve, it needs to diversify services and strengthen its online presence to remain competitive against larger banks and the current economic uncertainties that affect its business. Therefore, investors should be aware of the possible volatility of the company.
Similar Companies
ASB
Associated Banc-Corp
ASB
Associated Banc-Corp
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
FHB
First Hawaiian Inc
FHB
First Hawaiian Inc
Sources and Disclaimers
Data Sources:
- Publicly available information, company website, and financial news sources.
Disclaimers:
This analysis is based on limited publicly available information and does not constitute financial advice. Market data and financial statistics are estimates and may not be exact. Please note that the financial data is not real time data.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Territorial Bancorp Inc
Exchange NASDAQ | Headquaters Honolulu, HI, United States | ||
IPO Launch date 2009-07-13 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | |
Full time employees - | |||
Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that engages in the provision of various financial services to individuals, families, and businesses in the State of Hawaii. The company offers a range of deposit accounts, including passbook and statement savings, money market, commercial and regular checking, and Super NOW accounts, as well as certificates of deposit. It also provides various loan products, such as one-to four-family residential mortgage loans; home equity loans; consumer loans; and multi-family mortgage, commercial business, construction, commercial real estate, and other nonresidential real estate loans, as well as lines of credit and investment securities. In addition, the company is involved in the insurance agency activities. Further, it provides various non-deposit investments comprising annuities and mutual funds through a third-party broker-dealer. The company was founded in 1921 and is headquartered in Honolulu, Hawaii.
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