Territorial Bancorp Inc. is the holding company for Territorial Savings Bank. The Banks business consists primarily of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in one- to four-family residential mortgage loans and investment securities. Territorial also originates home equity loans and lines of credit, construction, commercial and other nonresidential real estate loans, consumer loans, multi-family mortgage loans and other loans. The Bank offers a variety of deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts and Super NOW accounts. Through its subsidiary, Territorial Financial Services, Inc., it engages in insurance agency activities. Territorial also offers various non-deposit investments to our customers, including annuities and mutual funds, through a third-party broker-dealer.

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Type
Public
HQ
Honolulu, US
Founded
1921
Size (employees)
265 (est)
Territorial Bancorp was founded in 1921 and is headquartered in Honolulu, US
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Territorial Bancorp Office Locations

Territorial Bancorp has an office in Honolulu
Honolulu, US (HQ)
2200 1132 Bishop St
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Territorial Bancorp Financials and Metrics

Territorial Bancorp Financials

Territorial Bancorp's revenue was reported to be $70.17 m in FY, 2016 which is a 3.2% increase from the previous period.
USD

Revenue (Q1, 2018)

19 m

Gross profit (Q1, 2018)

16 m

Gross profit margin (Q1, 2018), %

84.2%

Net income (Q1, 2018)

4.8 m

EBIT (Q1, 2018)

15.2 m

Market capitalization (22-Jun-2018)

307.6 m

Closing share price (22-Jun-2018)

31.6

Cash (31-Mar-2018)

65.1 m

EV

340.5 m
Territorial Bancorp's current market capitalization is $307.6 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

56.2 m64.8 m68 m70.2 m

Revenue growth, %

15%5%3%

Cost of goods sold

6.5 m7.8 m9.6 m

Gross profit

61.5 m62.3 m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Revenue

16.9 m17.2 m17.3 m17.7 m17.7 m17.8 m17.8 m19 m

Cost of goods sold

1.6 m1.6 m1.9 m1.9 m2 m2.1 m2.3 m3 m

Gross profit

15.3 m15.5 m15.4 m15.7 m15.7 m15.7 m15.6 m16 m

Gross profit Margin, %

91%91%89%89%89%88%87%84%
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

75.4 m75.1 m65.9 m61.3 m32.1 m

Accounts Receivable

4.3 m4.4 m4.7 m4.7 m

Inventories

230.5 m

PP&E

6.1 m5.6 m4.9 m4.3 m5.7 m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Cash

56 m72.1 m58.7 m64.7 m45.8 m36.3 m39.5 m82 m63.9 m40.5 m103.1 m47.9 m38.4 m65.1 m

PP&E

5.1 m6.1 m5.9 m5.8 m5.4 m5.3 m5 m4.6 m4.4 m4.2 m4.8 m5.1 m5.6 m

Total Assets

1.6 b1.6 b1.6 b1.7 b1.7 b1.7 b1.8 b1.9 b1.9 b1.8 b1.9 b1.9 b2 b2.1 b

Accounts Payable

1.3 b1.3 b1.3 b1.3 b1.4 b1.4 b1.4 b1.5 b1.5 b1.5 b1.5 b1.5 b24.3 m1.7 b
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

14.6 m14.1 m14.7 m16.3 m15 m

Depreciation and Amortization

1.1 m1.4 m1.3 m1.1 m1.1 m

Cash From Operating Activities

17.3 m14.1 m17.1 m18.8 m20.9 m

Cash From Investing Activities

(146.8 m)(73.1 m)(132.4 m)(62 m)(156.3 m)
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Net Income

11.1 m3.5 m7.2 m10.6 m3.5 m7.4 m11 m3.8 m7.8 m12 m4.3 m8.6 m4.2 m4.8 m

Depreciation and Amortization

837 k328 k677 k1 m339 k666 k985 k302 k595 k886 k243 k513 k314 k

Accounts Payable

24.3 m

Cash From Operating Activities

15.5 m(130 k)7.1 m6.6 m3.8 m13.4 m14.7 m126 k10.5 m12.7 m4.2 m11.1 m2.4 m
USDY, 2018

EV/EBIT

22.4 x

EV/CFO

142.9 x

Financial Leverage

8.8 x
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Territorial Bancorp Operating Metrics

Territorial Bancorp's Total Loans was reported to be $1.4b in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Bank Branches

28 28 28

Non-accrual Loans

$4.45 m$4.32 m$5.21 m$5.39 m$5.42 m$5.16 m$5.06 m$4.85 m$4.56 m$3.49 m$3.42 m

Total Loans

$968.21 m$1.04 b$1.11 b$1.16 b$1.19 b$1.21 b$1.26 b$1.30 b$1.34 b$1.37 b$1.40 b
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