How to buy Territorial Bancorp stock - 07 March

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How to buy Territorial Bancorp stock

Own Territorial Bancorp stock in just a few minutes.

Fact checked

Territorial Bancorp Inc is a banks-regional business based in the US. Territorial Bancorp shares (TBNK) are listed on the NASDAQ and all prices are listed in US Dollars.

How to buy shares in Territorial Bancorp

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Territorial Bancorp. Find the stock by name or ticker symbol: TBNK. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Territorial Bancorp reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Territorial Bancorp, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Territorial Bancorp. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Territorial Bancorp share price

Use our graph to track the performance of TBNK stocks over time.

Territorial Bancorp shares at a glance

Information last updated 2021-03-03.
52-week rangeUSD$18.7664 - USD$26.8487
50-day moving average USD$25.1485
200-day moving average USD$22.9465
Wall St. target priceUSD$27.67
PE ratio 13.0522
Dividend yield USD$0.92 (3.6%)
Earnings per share (TTM) USD$2.01

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Territorial Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Territorial Bancorp under- or over-valued?

Valuing Territorial Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Territorial Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Territorial Bancorp's P/E ratio

Territorial Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, Territorial Bancorp shares trade at around 13x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Territorial Bancorp's PEG ratio

Territorial Bancorp's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 4.54. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Territorial Bancorp's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Territorial Bancorp financials

Revenue TTM USD$62.7 million
Operating margin TTM 40.92%
Gross profit TTM USD$62.7 million
Return on assets TTM 0.89%
Return on equity TTM 7.55%
Profit margin 29.65%
Book value $27.282
Market capitalisation USD$249.6 million

TTM: trailing 12 months

Shorting Territorial Bancorp shares

There are currently 61,713 Territorial Bancorp shares held short by investors – that's known as Territorial Bancorp's "short interest". This figure is 41.9% up from 43,488 last month.

There are a few different ways that this level of interest in shorting Territorial Bancorp shares can be evaluated.

Territorial Bancorp's "short interest ratio" (SIR)

Territorial Bancorp's "short interest ratio" (SIR) is the quantity of Territorial Bancorp shares currently shorted divided by the average quantity of Territorial Bancorp shares traded daily (recently around 27673.99103139). Territorial Bancorp's SIR currently stands at 2.23. In other words for every 100,000 Territorial Bancorp shares traded daily on the market, roughly 2230 shares are currently held short.

However Territorial Bancorp's short interest can also be evaluated against the total number of Territorial Bancorp shares, or, against the total number of tradable Territorial Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Territorial Bancorp's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Territorial Bancorp shares in existence, roughly 10 shares are currently held short) or 0.0071% of the tradable shares (for every 100,000 tradable Territorial Bancorp shares, roughly 7 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Territorial Bancorp.

Find out more about how you can short Territorial Bancorp stock.

Territorial Bancorp share dividends

39%

Dividend payout ratio: 39.11% of net profits

Recently Territorial Bancorp has paid out, on average, around 39.11% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.6% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Territorial Bancorp shareholders could enjoy a 3.6% return on their shares, in the form of dividend payments. In Territorial Bancorp's case, that would currently equate to about $0.92 per share.

While Territorial Bancorp's payout ratio might seem fairly standard, it's worth remembering that Territorial Bancorp may be investing much of the rest of its net profits in future growth.

Territorial Bancorp's most recent dividend payout was on 25 February 2021. The latest dividend was paid out to all shareholders who bought their shares by 10 February 2021 (the "ex-dividend date").

Territorial Bancorp share price volatility

Over the last 12 months, Territorial Bancorp's shares have ranged in value from as little as $18.7664 up to $26.8487. A popular way to gauge a stock's volatility is its "beta".

TBNK.US volatility(beta: 0.56)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Territorial Bancorp's is 0.5566. This would suggest that Territorial Bancorp's shares are less volatile than average (for this exchange).

Territorial Bancorp overview

Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that provides 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 accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and Super NOW accounts. It also provides various loan products comprising one- to four-family residential mortgage loans; home equity loans; construction, commercial, and other nonresidential real estate loans; consumer loans; multi-family mortgage loans; commercial business loans; and other loans, as well as offers lines of credit and investment securities. In addition, the company, through its subsidiary, Territorial Financial Services, Inc. engages in the insurance agency activities. Further, it provides various non-deposit investments, including annuities and mutual funds through a third-party broker-dealer. The company operates through a network of 29 full-service branches located in the state of Hawaii. Territorial Bancorp Inc. was founded in 1921 and is based in Honolulu, Hawaii.

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