Territorial Bancorp

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.

Company Growth (employees)
Type
Public
HQ
Honolulu, US
Founded
1921
Size (employees)
265 (est)-1%
Territorial Bancorp was founded in 1921 and is headquartered in Honolulu, US

Territorial Bancorp Office Locations

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

Territorial Bancorp Data and Metrics

Territorial Bancorp Financial Metrics

Territorial Bancorp's revenue was reported to be $70.2 m in FY, 2016 which is a 3% increase from the previous period.
USD

Revenue (FY, 2016)

70.2 m

Revenue growth (FY, 2015 - FY, 2016), %

3%

Gross profit (FY, 2016)

62.3 m

Gross profit margin (FY, 2016), %

89%

Net income (FY, 2016)

16.3 m

EBIT (FY, 2016)

57.9 m

Market capitalization (21-Jul-2017)

290.8 m

Cash (31-Dec-2016)

61.3 m

EV

298.6 m
Territorial Bancorp's current market capitalization is $290.8 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

56.2 m59.6 m68 m70.2 m

Revenue growth, %

6%14%3%

Cost of goods sold

6.5 m7.8 m

Gross profit

61.5 m62.3 m

Gross profit Margin, %

90%89%

Sales and marketing expense

21.5 m20.6 m

Operating expense total

36.5 m34.9 m

EBIT

56.1 m57.9 m

EBIT margin, %

83%83%

Pre tax profit

24.5 m27.1 m

Income tax expense

9.8 m10.8 m

Net Income

14.6 m14.1 m14.7 m16.3 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

75.4 m75.1 m65.9 m61.3 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 m

Total Assets

1.6 b1.7 b1.8 b1.9 b

Accounts Payable

23.9 m24.1 m25.2 m23.3 m

Total Debt

69 m

Total Liabilities

1.6 b

Additional Paid-in Capital

77.3 m75.2 m70.1 m71.9 m

Retained Earnings

145.8 m153.3 m161 m169 m

Total Equity

212.1 m216.4 m219.6 m229.8 m

Debt to Equity Ratio

0.3 x

Debt to Assets Ratio

0 x

Financial Leverage

7.6 x7.8 x8.3 x8.2 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

14.6 m14.1 m14.7 m16.3 m

Depreciation and Amortization

1.1 m1.4 m1.3 m1.1 m

Cash From Operating Activities

17.3 m14.1 m17.1 m18.8 m

Cash From Investing Activities

(146.8 m)(73.1 m)(132.4 m)(62 m)

Dividends Paid

(6.2 m)(6.6 m)(7 m)(8.4 m)

Cash From Financing Activities

22.1 m58.7 m106.1 m38.6 m

Income Taxes Paid

10.4 m10.5 m10.3 m9.6 m
USDY, 2016

EV/EBIT

5.2 x

EV/CFO

15.9 x

Revenue/Employee

948.2 k

Debt/Equity

0.3 x

Financial Leverage

8.2 x

Territorial Bancorp Market Value History

Territorial Bancorp Company Life and Culture

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