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Territorial Bancorp Inc
Buy, Hold or Sell?

Let's analyse Territorial Bancorp Inc together

PenkeI guess you are interested in Territorial Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Territorial Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Territorial Bancorp Inc (30 sec.)










What can you expect buying and holding a share of Territorial Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.73
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$28.45
Expected worth in 1 year
$27.93
How sure are you?
95.0%

+ What do you gain per year?

Total Gains per Share
$0.21
Return On Investment
2.6%

For what price can you sell your share?

Current Price per Share
$8.06
Expected price per share
$6.7688567493113 - $10.92
How sure are you?
50%

1. Valuation of Territorial Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)

$8.06

Intrinsic Value Per Share

$-20.91 - $18.87

Total Value Per Share

$7.54 - $47.31

2. Growth of Territorial Bancorp Inc (5 min.)




Is Territorial Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$251m$256.7m-$5.7m-2.3%

How much money is Territorial Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$1.2m$4m-$2.7m-221.4%
Net Profit Margin10.3%27.0%--

How much money comes from the company's main activities?

3. Financial Health of Territorial Bancorp Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Territorial Bancorp Inc? (5 min.)

Welcome investor! Territorial Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Territorial Bancorp Inc.

What can you expect buying and holding a share of Territorial Bancorp Inc?

First you should know what it really means to hold a share of Territorial Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Territorial Bancorp Inc is $8.06. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Territorial Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Territorial Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $28.45. Based on the TTM, the Book Value Change Per Share is $-0.13 per quarter. Based on the YOY, the Book Value Change Per Share is $0.15 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.18 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Territorial Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.040.5%0.141.8%0.455.6%0.435.4%0.435.3%
Usd Book Value Change Per Share0.263.3%-0.13-1.6%0.151.8%0.161.9%0.162.0%
Usd Dividend Per Share0.050.6%0.182.3%0.253.2%0.263.3%0.253.1%
Usd Total Gains Per Share0.313.9%0.050.7%0.405.0%0.425.2%0.415.1%
Usd Price Per Share11.15-12.96-21.85-22.61-24.83-
Price to Earnings Ratio73.67-33.24-12.19-16.62-16.54-
Price-to-Total Gains Ratio35.66-510.40-61.85-150.28-108.68-
Price to Book Ratio0.39-0.45-0.76-0.83-0.97-
Price-to-Total Gains Ratio35.66-510.40-61.85-150.28-108.68-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share8.06
Number of shares124
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.180.26
Usd Book Value Change Per Share-0.130.16
Usd Total Gains Per Share0.050.42
Gains per Quarter (124 shares)6.5151.92
Gains per Year (124 shares)26.03207.69
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
190-641613077198
2180-12842261155406
3270-19268391232614
4360-25694521310822
5450-3201206513871030
6540-3841467824641238
7631-4481729125421446
8721-51219810426191654
9811-57622411736971862
10901-64125013037742070

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%65.00.00.0100.0%
Book Value Change Per Share1.03.00.025.0%7.05.00.058.3%14.06.00.070.0%29.010.01.072.5%49.013.03.075.4%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%59.00.06.090.8%
Total Gains per Share3.01.00.075.0%11.01.00.091.7%19.01.00.095.0%38.02.00.095.0%60.03.02.092.3%

Fundamentals of Territorial Bancorp Inc

About Territorial Bancorp Inc

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. It 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, which comprise annuities and mutual funds through a third-party broker-dealer. The company was founded in 1921 and is headquartered in Honolulu, Hawaii.

Fundamental data was last updated by Penke on 2024-03-22 05:15:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Territorial Bancorp Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Territorial Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Territorial Bancorp Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 1.8% means that $0.02 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Territorial Bancorp Inc:

  • The MRQ is 1.8%. The company is making a profit. +1
  • The TTM is 10.3%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ1.8%TTM10.3%-8.4%
TTM10.3%YOY27.0%-16.7%
TTM10.3%5Y25.6%-15.3%
5Y25.6%10Y25.7%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.8%18.4%-16.6%
TTM10.3%28.0%-17.7%
YOY27.0%25.2%+1.8%
5Y25.6%22.8%+2.8%
10Y25.7%19.8%+5.9%
1.1.2. Return on Assets

Shows how efficient Territorial Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Territorial Bancorp Inc to the Banks - Regional industry mean.
  • 0.0% Return on Assets means that Territorial Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Territorial Bancorp Inc:

  • The MRQ is 0.0%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.1%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.0%TTM0.1%0.0%
TTM0.1%YOY0.2%-0.1%
TTM0.1%5Y0.2%-0.1%
5Y0.2%10Y0.2%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0%0.1%-0.1%
TTM0.1%0.2%-0.1%
YOY0.2%0.2%0.0%
5Y0.2%0.2%0.0%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Territorial Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Territorial Bancorp Inc to the Banks - Regional industry mean.
  • 0.1% Return on Equity means Territorial Bancorp Inc generated $0.00 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Territorial Bancorp Inc:

  • The MRQ is 0.1%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 0.5%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.5%-0.4%
TTM0.5%YOY1.6%-1.1%
TTM0.5%5Y1.6%-1.1%
5Y1.6%10Y1.7%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%1.4%-1.3%
TTM0.5%2.5%-2.0%
YOY1.6%2.7%-1.1%
5Y1.6%2.5%-0.9%
10Y1.7%2.8%-1.1%

1.2. Operating Efficiency of Territorial Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Territorial Bancorp Inc is operating .

  • Measures how much profit Territorial Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Territorial Bancorp Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Territorial Bancorp Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM16.2%-16.2%
TTM16.2%YOY46.3%-30.0%
TTM16.2%5Y47.8%-31.5%
5Y47.8%10Y51.4%-3.6%
1.2.2. Operating Ratio

Measures how efficient Territorial Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.08 means that the operating costs are $0.08 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Territorial Bancorp Inc:

  • The MRQ is 0.076. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.389.
Trends
Current periodCompared to+/- 
MRQ0.076TTM-0.389+0.464
TTM-0.389YOY-0.023-0.366
TTM-0.3895Y0.010-0.399
5Y0.01010Y0.094-0.084

1.3. Liquidity of Territorial Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Territorial Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.03 means the company has $0.03 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Territorial Bancorp Inc:

  • The MRQ is 0.033. The company is unable to pay all its short-term debts. -2
  • The TTM is 3.611. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.033TTM3.611-3.578
TTM3.611YOY8.270-4.659
TTM3.6115Y349.138-345.527
5Y349.13810Y663.669-314.530
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM3.6110.124+3.487
YOY8.2700.225+8.045
5Y349.1380.219+348.919
10Y663.6690.131+663.538
1.3.2. Quick Ratio

Measures if Territorial Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Territorial Bancorp Inc to the Banks - Regional industry mean.
  • A Quick Ratio of -0.20 means the company can pay off $-0.20 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Territorial Bancorp Inc:

  • The MRQ is -0.198. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 4.196. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ-0.198TTM4.196-4.394
TTM4.196YOY3.595+0.601
TTM4.1965Y63.681-59.485
5Y63.68110Y157.339-93.658

1.4. Solvency of Territorial Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Territorial Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Territorial Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that Territorial Bancorp Inc assets are financed with 88.8% credit (debt) and the remaining percentage (100% - 88.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Territorial Bancorp Inc:

  • The MRQ is 0.888. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.887. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.888TTM0.887+0.001
TTM0.887YOY0.881+0.006
TTM0.8875Y0.883+0.004
5Y0.88310Y0.881+0.003
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8880.915-0.027
TTM0.8870.917-0.030
YOY0.8810.919-0.038
5Y0.8830.919-0.036
10Y0.8810.927-0.046
1.4.2. Debt to Equity Ratio

Measures if Territorial Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Territorial Bancorp Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 792.3% means that company has $7.92 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Territorial Bancorp Inc:

  • The MRQ is 7.923. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.847. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.923TTM7.847+0.076
TTM7.847YOY7.414+0.433
TTM7.8475Y7.566+0.281
5Y7.56610Y7.385+0.180
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.92310.829-2.906
TTM7.84711.013-3.166
YOY7.41411.363-3.949
5Y7.56611.437-3.871
10Y7.38513.038-5.653

2. Market Valuation of Territorial Bancorp Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Territorial Bancorp Inc generates.

  • Above 15 is considered overpriced but always compare Territorial Bancorp Inc to the Banks - Regional industry mean.
  • A PE ratio of 73.67 means the investor is paying $73.67 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Territorial Bancorp Inc:

  • The EOD is 53.250. Based on the earnings, the company is expensive. -2
  • The MRQ is 73.665. Based on the earnings, the company is expensive. -2
  • The TTM is 33.240. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD53.250MRQ73.665-20.415
MRQ73.665TTM33.240+40.426
TTM33.240YOY12.194+21.045
TTM33.2405Y16.623+16.616
5Y16.62310Y16.535+0.088
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD53.2507.491+45.759
MRQ73.6656.680+66.985
TTM33.2405.295+27.945
YOY12.1946.943+5.251
5Y16.6239.770+6.853
10Y16.5359.943+6.592
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Territorial Bancorp Inc:

  • The EOD is 6.912. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 9.562. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is -6.783. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD6.912MRQ9.562-2.650
MRQ9.562TTM-6.783+16.346
TTM-6.783YOY4.390-11.173
TTM-6.7835Y13.315-20.098
5Y13.31510Y31.851-18.536
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.912-2.094+9.006
MRQ9.562-1.868+11.430
TTM-6.783-0.342-6.441
YOY4.3906.448-2.058
5Y13.3150.429+12.886
10Y31.8510.091+31.760
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Territorial Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.39 means the investor is paying $0.39 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Territorial Bancorp Inc:

  • The EOD is 0.283. Based on the equity, the company is cheap. +2
  • The MRQ is 0.392. Based on the equity, the company is cheap. +2
  • The TTM is 0.455. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.283MRQ0.392-0.109
MRQ0.392TTM0.455-0.063
TTM0.455YOY0.758-0.304
TTM0.4555Y0.826-0.372
5Y0.82610Y0.974-0.148
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.2830.433-0.150
MRQ0.3920.386+0.006
TTM0.4550.470-0.015
YOY0.7580.642+0.116
5Y0.8260.795+0.031
10Y0.9741.025-0.051
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Territorial Bancorp Inc.

3.1. Institutions holding Territorial Bancorp Inc

Institutions are holding 42.24% of the shares of Territorial Bancorp Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31AllianceBernstein L.P.5.39310.002476029234145.173
2023-12-31Renaissance Technologies Corp5.21940.008460693-10775-2.2854
2023-12-31Dimensional Fund Advisors, Inc.5.02950.0015443936-10378-2.2843
2023-12-31Ameriprise Financial Inc4.47980.00133954176239018.7342
2023-12-31Vanguard Group Inc4.18140.000136907752001.4291
2023-12-31Hotchkis & Wiley Capital Management LLC2.26230.0079199681-7600-3.6665
2023-12-31Brandywine Global Investment Mgmt LLC1.65030.01311456665875767.6075
2023-09-30Fourthstone LLC1.28270.23361132191132190
2023-12-31Royce & Associates, LP0.93990.008582962-98026-54.1616
2023-12-31Geode Capital Management, LLC0.93060.00018214439915.1066
2023-12-31Acadian Asset Management LLC0.86720.00337654100
2023-12-31Wellington Management Company LLP0.7080.00016249100
2023-12-31Bridgeway Capital Management, LLC0.6980.01476160700
2023-12-31BlackRock Inc0.59705269612142.3581
2023-12-31White Pine Capital LLC0.57470.218507231924561.1379
2023-09-30Jacobs Levy Equity Management, Inc.0.47410.002341851418510
2023-12-31Morgan Stanley - Brokerage Accounts0.44770395171834186.6122
2023-12-31American Century Companies Inc0.44010.000338847-351-0.8955
2023-12-31State Street Corporation0.38903433200
2023-12-31Northern Trust Corp0.29960.0001264481176680.1389
Total 36.86440.51493253877+232258+7.1%

3.2. Funds holding Territorial Bancorp Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31Columbia Small Cap Value I2.81850.2032248777107884.533
2024-02-29Columbia Small Cap Value I A2.81250.169248247-530-0.213
2024-02-29Vanguard Total Stock Mkt Idx Inv2.56210.000122614600
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.50940.001213322700
2024-01-31DFA US Small Cap Value I1.18850.007410490000
2024-02-29Columbia VP Small Cap Value 11.12540.16979933300
2024-01-31DFA US Targeted Value I0.71070.00526273000
2023-12-31Royce Micro-Cap Invmt0.65330.206157665-68043-54.1278
2024-01-31Hotchkis & Wiley Sm Cp Divers Val I0.61580.07345435200
2024-01-31Fidelity Extended Market Index0.52620.00144644700
2024-01-31Principal SmallCap Value II Instl0.47550.03274196800
2024-01-31DFA US Micro Cap I0.43760.00613862200
2024-01-31DFA US Small Cap I0.43520.00283841300
2024-02-29Avantis US Small Cap Value ETF0.43010.00343796100
2023-12-31Bridgeway Ultra-Small Company Market0.34340.18193030700
2023-12-31Bridgeway Omni Small-Cap Value N0.33990.02613000000
2023-12-31Bridgeway Omni Small-Cap Value0.33990.02613000000
2024-02-29Dimensional US Targeted Value ETF0.30110.00252657800
2023-12-31Royce Capital Micro-Cap Inv0.28660.205925297-29966-54.2243
2024-02-29Dimensional US Small Cap ETF0.25850.00272281300
Total 18.17021.32691603783-87751-5.5%

3.3. Insider Transactions

Insiders are holding 17.78% of the shares of Territorial Bancorp Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2022-04-07Vernon HirataSELL354623.45

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Territorial Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.265-0.129+149%0.146+81%0.156+70%0.158+67%
Book Value Per Share--28.44628.443+0%28.817-1%27.573+3%25.805+10%
Current Ratio--0.0333.611-99%8.270-100%349.138-100%663.669-100%
Debt To Asset Ratio--0.8880.887+0%0.881+1%0.883+1%0.881+1%
Debt To Equity Ratio--7.9237.847+1%7.414+7%7.566+5%7.385+7%
Dividend Per Share--0.0480.182-74%0.255-81%0.263-82%0.250-81%
Eps--0.0380.142-73%0.453-92%0.434-91%0.428-91%
Free Cash Flow Per Share--0.2920.214+36%0.337-14%0.398-27%0.435-33%
Free Cash Flow To Equity Per Share--2.6851.941+38%0.875+207%0.784+242%1.649+63%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--18.867--------
Intrinsic Value_10Y_min---20.911--------
Intrinsic Value_1Y_max--1.764--------
Intrinsic Value_1Y_min--0.629--------
Intrinsic Value_3Y_max--5.396--------
Intrinsic Value_3Y_min---0.459--------
Intrinsic Value_5Y_max--9.145--------
Intrinsic Value_5Y_min---4.113--------
Market Cap71142476.600-38%98416701.500114370799.075-14%194792887.868-49%205851177.097-52%230107760.386-57%
Net Profit Margin--0.0180.103-82%0.270-93%0.256-93%0.257-93%
Operating Margin---0.162-100%0.463-100%0.478-100%0.514-100%
Operating Ratio--0.076-0.389+614%-0.023+130%0.010+650%0.094-20%
Pb Ratio0.283-38%0.3920.455-14%0.758-48%0.826-53%0.974-60%
Pe Ratio53.250-38%73.66533.240+122%12.194+504%16.623+343%16.535+345%
Price Per Share8.060-38%11.15012.958-14%21.850-49%22.611-51%24.834-55%
Price To Free Cash Flow Ratio6.912-38%9.562-6.783+171%4.390+118%13.315-28%31.851-70%
Price To Total Gains Ratio25.776-38%35.658510.399-93%61.853-42%150.282-76%108.685-67%
Quick Ratio---0.1984.196-105%3.595-105%63.681-100%157.339-100%
Return On Assets--0.0000.001-74%0.002-92%0.002-92%0.002-93%
Return On Equity--0.0010.005-73%0.016-92%0.016-92%0.017-92%
Total Gains Per Share--0.3130.052+496%0.401-22%0.419-25%0.408-23%
Usd Book Value--251086000.000251057750.000+0%256795500.000-2%249786750.000+1%237830125.000+6%
Usd Book Value Change Per Share--0.265-0.129+149%0.146+81%0.156+70%0.158+67%
Usd Book Value Per Share--28.44628.443+0%28.817-1%27.573+3%25.805+10%
Usd Dividend Per Share--0.0480.182-74%0.255-81%0.263-82%0.250-81%
Usd Eps--0.0380.142-73%0.453-92%0.434-91%0.428-91%
Usd Free Cash Flow--2573000.0001893000.000+36%2987750.000-14%3626000.000-29%4026250.000-36%
Usd Free Cash Flow Per Share--0.2920.214+36%0.337-14%0.398-27%0.435-33%
Usd Free Cash Flow To Equity Per Share--2.6851.941+38%0.875+207%0.784+242%1.649+63%
Usd Market Cap71142476.600-38%98416701.500114370799.075-14%194792887.868-49%205851177.097-52%230107760.386-57%
Usd Price Per Share8.060-38%11.15012.958-14%21.850-49%22.611-51%24.834-55%
Usd Profit--334000.0001256750.000-73%4039000.000-92%3960650.000-92%3965775.000-92%
Usd Revenue--18294000.00013344750.000+37%14924000.000+23%15215750.000+20%15312500.000+19%
Usd Total Gains Per Share--0.3130.052+496%0.401-22%0.419-25%0.408-23%
 EOD+4 -4MRQTTM+15 -20YOY+7 -285Y+11 -2410Y+12 -23

4.2. Fundamental Score

Let's check the fundamental score of Territorial Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1553.250
Price to Book Ratio (EOD)Between0-10.283
Net Profit Margin (MRQ)Greater than00.018
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than1-0.198
Current Ratio (MRQ)Greater than10.033
Debt to Asset Ratio (MRQ)Less than10.888
Debt to Equity Ratio (MRQ)Less than17.923
Return on Equity (MRQ)Greater than0.150.001
Return on Assets (MRQ)Greater than0.050.000
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of Territorial Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5032.372
Ma 20Greater thanMa 508.350
Ma 50Greater thanMa 1009.312
Ma 100Greater thanMa 2009.278
OpenGreater thanClose8.070
Total2/5 (40.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Long-term Assets Other  -738,594736,497-2,097-744,779-746,87611,781-735,095792,28857,193
Cash and Short Term Investments  61,37444,559105,9332,182108,115150108,265-234,924-126,659
Net Working Capital  1,301,304-1,211,69689,60831389,92112690,047-579,263-489,216



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets2,240,457
Total Liabilities1,989,371
Total Stockholder Equity251,086
 As reported
Total Liabilities 1,989,371
Total Stockholder Equity+ 251,086
Total Assets = 2,240,457

Assets

Total Assets2,240,457
Total Current Assets16,920
Long-term Assets2,223,537
Total Current Assets
Cash And Cash Equivalents 126,659
Short-term Investments 20,171
Net Receivables 6,449
Other Current Assets 16,920
Total Current Assets  (as reported)16,920
Total Current Assets  (calculated)170,199
+/- 153,279
Long-term Assets
Property Plant Equipment 19,556
Long Term Investments 705,899
Long-term Assets Other 57,193
Long-term Assets  (as reported)2,223,537
Long-term Assets  (calculated)782,648
+/- 1,440,889

Liabilities & Shareholders' Equity

Total Current Liabilities506,136
Long-term Liabilities1,483,235
Total Stockholder Equity251,086
Total Current Liabilities
Short-term Debt 139,818
Accounts payable 23,334
Other Current Liabilities 366,318
Total Current Liabilities  (as reported)506,136
Total Current Liabilities  (calculated)529,470
+/- 23,334
Long-term Liabilities
Long term Debt 242,000
Capital Lease Obligations 17,297
Long-term Liabilities  (as reported)1,483,235
Long-term Liabilities  (calculated)259,297
+/- 1,223,938
Total Stockholder Equity
Common Stock88
Retained Earnings 211,644
Accumulated Other Comprehensive Income -6,221
Other Stockholders Equity 45,575
Total Stockholder Equity (as reported)251,086
Total Stockholder Equity (calculated)251,086
+/-0
Other
Capital Stock88
Cash and Short Term Investments -126,659
Common Stock Shares Outstanding 8,604
Current Deferred Revenue-23,334
Liabilities and Stockholders Equity 2,240,457
Net Debt 192,638
Net Invested Capital 493,086
Net Working Capital -489,216
Property Plant and Equipment Gross 39,339
Short Long Term Debt Total 319,297



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-31
> Total Assets 
1,162,018
0
0
1,204,858
1,224,446
1,223,823
1,508,985
1,356,523
1,389,612
1,408,825
1,446,809
1,441,346
1,443,412
1,488,320
1,488,209
1,515,966
1,537,571
1,572,044
1,566,035
1,562,680
1,574,627
1,565,524
1,562,415
1,561,510
1,616,904
1,616,904
1,647,818
1,656,377
1,691,897
1,715,390
1,743,078
1,783,515
1,821,141
1,850,054
1,850,972
1,848,649
1,877,562
1,935,791
1,924,115
1,962,457
2,003,846
2,055,701
2,032,459
2,026,052
2,068,999
2,064,065
2,087,897
2,085,769
2,086,313
2,109,785
2,088,587
2,106,317
2,110,799
2,139,561
2,132,077
2,117,068
2,130,602
2,127,960
2,180,039
2,164,823
2,169,592
2,212,827
2,219,199
2,211,227
2,240,457
2,240,4572,211,2272,219,1992,212,8272,169,5922,164,8232,180,0392,127,9602,130,6022,117,0682,132,0772,139,5612,110,7992,106,3172,088,5872,109,7852,086,3132,085,7692,087,8972,064,0652,068,9992,026,0522,032,4592,055,7012,003,8461,962,4571,924,1151,935,7911,877,5621,848,6491,850,9721,850,0541,821,1411,783,5151,743,0781,715,3901,691,8971,656,3771,647,8181,616,9041,616,9041,561,5101,562,4151,565,5241,574,6271,562,6801,566,0351,572,0441,537,5711,515,9661,488,2091,488,3201,443,4121,441,3461,446,8091,408,8251,389,6121,356,5231,508,9851,223,8231,224,4461,204,858001,162,018
   > Total Current Assets 
24,329
0
0
14,846
16,003
1,160,804
1,441,300
1,305,810
140,734
766,354
1,394,348
1,388,294
198,971
830,794
1,432,712
1,458,638
10,970
1,513,891
1,508,269
159,941
187,185
1,506,932
1,495,980
1,495,728
75,365
1,549,653
1,579,371
1,583,736
1,620,630
1,641,740
1,677,368
1,717,770
1,752,311
1,783,160
1,784,020
1,780,477
1,809,648
1,867,094
1,460,072
1,481,033
1,529,053
1,578,086
1,571,917
1,578,810
54,897
1,630,053
1,658,928
1,636,649
58,843
1,669,190
1,674,440
1,731,310
1,780,615
1,759,017
2,047,868
2,032,842
105,645
76,901
99,755
63,489
1,362,253
112,061
114,082
114,396
16,920
16,920114,396114,082112,0611,362,25363,48999,75576,901105,6452,032,8422,047,8681,759,0171,780,6151,731,3101,674,4401,669,19058,8431,636,6491,658,9281,630,05354,8971,578,8101,571,9171,578,0861,529,0531,481,0331,460,0721,867,0941,809,6481,780,4771,784,0201,783,1601,752,3111,717,7701,677,3681,641,7401,620,6301,583,7361,579,3711,549,65375,3651,495,7281,495,9801,506,932187,185159,9411,508,2691,513,89110,9701,458,6381,432,712830,794198,9711,388,2941,394,348766,354140,7341,305,8101,441,3001,160,80416,00314,8460024,329
       Cash And Cash Equivalents 
19,755
0
0
10,148
11,216
32,925
322,008
123,251
135,953
150,916
201,682
174,802
194,435
158,789
124,250
132,448
131,937
159,811
156,373
155,265
182,818
153,120
87,171
55,965
75,365
75,365
58,686
64,723
75,060
45,774
36,250
39,466
65,919
81,988
63,878
40,503
61,273
103,123
47,888
38,385
32,089
65,112
27,672
24,101
47,063
23,667
41,528
29,410
44,806
95,746
126,192
237,498
363,543
410,793
117,578
101,386
99,859
65,784
70,620
36,286
40,553
84,860
87,660
89,122
126,659
126,65989,12287,66084,86040,55336,28670,62065,78499,859101,386117,578410,793363,543237,498126,19295,74644,80629,41041,52823,66747,06324,10127,67265,11232,08938,38547,888103,12361,27340,50363,87881,98865,91939,46636,25045,77475,06064,72358,68675,36575,36555,96587,171153,120182,818155,265156,373159,811131,937132,448124,250158,789194,435174,802201,682150,916135,953123,251322,00832,92511,21610,1480019,755
       Short-term Investments 
0
0
0
0
0
506,865
509,857
575,176
0
8,006
560,956
570,988
185,608
14,678
642,112
658,574
123,245
637,867
620,965
0
172,244
555,653
582,682
607,435
65,403
613,436
613,247
589,079
572,922
552,461
525,708
508,747
493,059
480,296
455,991
432,142
407,656
391,988
2,943
2,910
2,851
2,733
2,658
2,565
2,560
14,321
13,349
8,882
8,628
6,393
4,212
3,959
3,562
2,312
609,074
621,417
636,442
5,268
23,222
21,142
20,821
21,073
20,455
19,143
20,171
20,17119,14320,45521,07320,82121,14223,2225,268636,442621,417609,0742,3123,5623,9594,2126,3938,6288,88213,34914,3212,5602,5652,6582,7332,8512,9102,943391,988407,656432,142455,991480,296493,059508,747525,708552,461572,922589,079613,247613,43665,403607,435582,682555,653172,2440620,965637,867123,245658,574642,11214,678185,608570,988560,9568,0060575,176509,857506,86500000
       Net Receivables 
4,574
0
0
4,698
4,787
4,641
19,805
4,739
4,781
4,765
4,734
4,738
4,536
4,840
4,942
4,882
4,780
4,749
4,686
4,676
4,367
4,410
4,370
5,478
4,310
4,310
4,447
4,450
4,436
4,583
4,587
6,265
4,684
6,114
4,812
5,489
4,854
4,766
4,769
4,985
6,713
5,196
6,391
6,123
5,274
5,472
5,575
5,494
5,409
5,465
6,469
7,214
6,515
6,373
6,345
6,070
5,786
5,849
5,913
6,061
6,115
6,128
5,967
6,131
6,449
6,4496,1315,9676,1286,1156,0615,9135,8495,7866,0706,3456,3736,5157,2146,4695,4655,4095,4945,5755,4725,2746,1236,3915,1966,7134,9854,7694,7664,8545,4894,8126,1144,6846,2654,5874,5834,4364,4504,4474,3104,3105,4784,3704,4104,3674,6764,6864,7494,7804,8824,9424,8404,5364,7384,7344,7654,7814,73919,8054,6414,7874,698004,574
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15,084
0
0
0
17,223
0
0
0
17,033
6,518
5,935
5,480
18,345
5,183
5,195
5,410
17,483
5,472
5,810
6,047
19,379
6,146
9,309
-11,173
-10,077
1,330,854
1,308,526
6,558
1,297,038
6,858
1,286,618
16,437
1,294,152
17,910
19,001
15,610
16,920
16,92015,61019,00117,9101,294,15216,4371,286,6186,8581,297,0386,5581,308,5261,330,854-10,077-11,1739,3096,14619,3796,0475,8105,47217,4835,4105,1955,18318,3455,4805,9356,51817,03300017,22300015,0840000000000000000000000000000
   > Long-term Assets 
542,485
0
0
526,378
532,211
7,221
7,181
7,130
602,889
5,967
5,908
5,670
550,991
6,332
6,587
6,593
203,139
7,983
8,458
600,689
559,729
8,528
9,660
9,760
5,075
11,131
12,421
12,312
12,883
12,931
13,882
13,392
14,281
13,377
13,373
12,457
12,232
12,380
12,662
12,830
10,330
10,581
9,572
8,732
378,900
19,879
19,138
18,556
388,461
19,291
19,273
21,602
20,570
21,548
21,222
20,868
650,489
687,060
746,527
759,339
23,740
757,997
746,876
735,095
2,223,537
2,223,537735,095746,876757,99723,740759,339746,527687,060650,48920,86821,22221,54820,57021,60219,27319,291388,46118,55619,13819,879378,9008,7329,57210,58110,33012,83012,66212,38012,23212,45713,37313,37714,28113,39213,88212,93112,88312,31212,42111,1315,0759,7609,6608,528559,729600,6898,4587,983203,1396,5936,5876,332550,9915,6705,9085,967602,8897,1307,1817,221532,211526,37800542,485
       Property Plant Equipment 
4,460
0
0
4,544
4,444
4,495
4,747
4,670
4,495
4,498
4,793
4,751
5,426
5,385
5,497
5,564
5,450
5,260
5,161
5,082
5,056
4,872
4,799
5,141
6,056
6,056
5,939
5,844
5,629
5,445
5,314
5,026
4,903
4,619
4,399
4,207
4,327
4,843
5,127
5,658
5,721
5,588
5,362
5,005
4,823
16,905
16,219
15,508
15,950
16,791
16,408
18,312
17,188
18,613
18,077
17,564
14,047
17,966
17,401
20,763
22,097
21,323
20,837
20,311
19,556
19,55620,31120,83721,32322,09720,76317,40117,96614,04717,56418,07718,61317,18818,31216,40816,79115,95015,50816,21916,9054,8235,0055,3625,5885,7215,6585,1274,8434,3274,2074,3994,6194,9035,0265,3145,4455,6295,8445,9396,0566,0565,1414,7994,8725,0565,0825,1615,2605,4505,5645,4975,3855,4264,7514,7934,4984,4954,6704,7474,4954,4444,544004,460
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,305,284
1,324,295
1,345,197
1,351,665
1,349,125
1,346,513
1,331,769
1,352,173
1,407,430
1,436,062
1,472,188
1,497,257
1,517,742
1,514,563
1,541,134
1,591,383
1,636,986
1,672,264
1,683,847
1,695,661
1,715,683
1,736,533
1,745,244
1,760,957
1,801,194
1,846,905
1,894,166
1,914,343
1,928,581
1,930,458
1,949,100
370,817
1,963,004
1,971,685
1,957,765
1,929,211
1,877,152
1,779,960
251,204
1,638,137
609,074
1,925,874
636,442
669,094
729,126
738,576
738,594
736,674
726,039
714,784
705,899
705,899714,784726,039736,674738,594738,576729,126669,094636,4421,925,874609,0741,638,137251,2041,779,9601,877,1521,929,2111,957,7651,971,6851,963,004370,8171,949,1001,930,4581,928,5811,914,3431,894,1661,846,9051,801,1941,760,9571,745,2441,736,5331,715,6831,695,6611,683,8471,672,2641,636,9861,591,3831,541,1341,514,5631,517,7421,497,2571,472,1881,436,0621,407,4301,352,1731,331,7691,346,5131,349,1251,351,6651,345,1971,324,2951,305,28400000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
646
0
0
0
580
0
0
0
505
479
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000000000000000000047950500058000064600000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
394,569
407,598
411,645
420,067
462,527
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000462,527420,067411,645407,598394,569000000000000000000000000000000000000000000000
       Other Assets 
595,204
0
0
663,634
676,232
55,798
60,504
43,583
645,989
636,504
46,553
47,382
693,450
651,194
48,910
50,735
1,323,462
50,170
49,308
802,050
827,713
50,064
56,775
56,022
676,731
56,120
56,026
60,329
58,384
60,719
51,828
52,353
54,549
53,517
53,579
55,715
55,682
56,317
451,381
468,594
464,463
467,034
450,970
438,510
1,635,202
414,133
409,831
430,564
1,639,009
421,304
394,874
353,405
309,614
358,996
62,987
63,358
1,374,468
1,363,999
1,333,757
1,341,995
783,599
1,342,769
1,358,241
1,361,736
0
01,361,7361,358,2411,342,769783,5991,341,9951,333,7571,363,9991,374,46863,35862,987358,996309,614353,405394,874421,3041,639,009430,564409,831414,1331,635,202438,510450,970467,034464,463468,594451,38156,31755,68255,71553,57953,51754,54952,35351,82860,71958,38460,32956,02656,120676,73156,02256,77550,064827,713802,05049,30850,1701,323,46250,73548,910651,194693,45047,38246,553636,504645,98943,58360,50455,798676,232663,63400595,204
> Total Liabilities 
1,069,539
0
0
1,105,801
1,125,065
1,121,856
1,404,738
1,140,732
1,169,941
1,188,710
1,223,783
1,215,528
1,216,053
1,260,824
1,265,685
1,301,748
1,323,610
1,355,055
1,349,717
1,343,263
1,355,655
1,346,586
1,344,388
1,348,921
1,404,764
1,404,764
1,433,206
1,439,291
1,475,519
1,500,245
1,524,714
1,565,149
1,601,500
1,627,027
1,625,256
1,620,231
1,647,776
1,703,167
1,688,648
1,725,165
1,768,992
1,823,329
1,797,760
1,790,217
1,833,351
1,825,227
1,846,125
1,840,167
1,842,423
1,865,866
1,844,560
1,859,659
1,862,091
1,887,909
1,880,832
1,865,379
1,874,280
1,869,978
1,924,134
1,908,078
1,913,042
1,959,066
1,968,565
1,962,477
1,989,371
1,989,3711,962,4771,968,5651,959,0661,913,0421,908,0781,924,1341,869,9781,874,2801,865,3791,880,8321,887,9091,862,0911,859,6591,844,5601,865,8661,842,4231,840,1671,846,1251,825,2271,833,3511,790,2171,797,7601,823,3291,768,9921,725,1651,688,6481,703,1671,647,7761,620,2311,625,2561,627,0271,601,5001,565,1491,524,7141,500,2451,475,5191,439,2911,433,2061,404,7641,404,7641,348,9211,344,3881,346,5861,355,6551,343,2631,349,7171,355,0551,323,6101,301,7481,265,6851,260,8241,216,0531,215,5281,223,7831,188,7101,169,9411,140,7321,404,7381,121,8561,125,0651,105,801001,069,539
   > Total Current Liabilities 
0
0
0
0
0
1,534
520
521
1,169,900
1,522
1,375
496
20,452
2,668
1,416
416
25,464
4,972
1,679
26,193
23,017
934
1,857
908
29,008
1,414
2,093
1,366
826
1,051
2,647
1,476
2,095
1,805
1,960
1,651
1,616
3,328
2,208
1,693
1,483
1,617
1,459
1,415
22,570
3,055
1,878
2,175
23,038
3,350
4,862
2,411
2,161
3,042
2,354
2,196
22,638
22,539
21,299
24,105
60,949
22,453
24,161
24,349
506,136
506,13624,34924,16122,45360,94924,10521,29922,53922,6382,1962,3543,0422,1612,4114,8623,35023,0382,1751,8783,05522,5701,4151,4591,6171,4831,6932,2083,3281,6161,6511,9601,8052,0951,4762,6471,0518261,3662,0931,41429,0089081,85793423,01726,1931,6794,97225,4644161,4162,66820,4524961,3751,5221,169,9005215201,53400000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,000
20,000
20,000
0
0
0
0
0
0
0
0
0
0
0
57,000
0
0
0
124,077
0
124,000
124,000
25,000
124,000
124,005
25,000
46,200
20,000
20,000
20,000
132,200
10,000
10,000
10,000
25,000
0
0
0
0
0
0
0
10,744
14,840
14,175
713
15,295
2,216
30,484
79,725
139,818
139,81879,72530,4842,21615,29571314,17514,84010,744000000025,00010,00010,00010,000132,20020,00020,00020,00046,20025,000124,005124,00025,000124,000124,0000124,07700057,0000000000000020,00020,00020,00000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
57,000
0
0
0
124,077
0
124,000
124,000
25,000
124,000
124,005
25,000
46,200
20,000
20,000
20,000
132,200
10,000
10,000
10,000
25,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000025,00010,00010,00010,000132,20020,00020,00020,00046,20025,000124,005124,00025,000124,000124,0000124,07700057,0000000000000000000000000000000
       Accounts payable 
892,316
0
0
0
923,914
941,584
1,221,699
985,584
1,014,668
1,753
2,925
2,189
1,076,470
1,096,480
20,421
20,143
25,930
26,178
22,830
23,305
23,017
20,970
23,500
25,272
25,347
23,933
22,448
21,370
24,098
26,857
27,011
28,582
25,178
23,276
24,227
26,805
23,258
23,419
23,924
24,341
26,390
24,645
24,418
20,371
22,570
23,605
24,016
23,242
23,038
22,229
23,954
25,304
29,221
28,183
28,219
29,374
22,638
22,539
21,299
24,105
24,180
22,453
24,161
24,349
23,334
23,33424,34924,16122,45324,18024,10521,29922,53922,63829,37428,21928,18329,22125,30423,95422,22923,03823,24224,01623,60522,57020,37124,41824,64526,39024,34123,92423,41923,25826,80524,22723,27625,17828,58227,01126,85724,09821,37022,44823,93325,34725,27223,50020,97023,01723,30522,83026,17825,93020,14320,4211,096,4801,076,4702,1892,9251,7531,014,668985,5841,221,699941,584923,914000892,316
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
-231
-1,550
-1,693
0
0
1,107,021
1,139,317
1,166,116
1,201,407
1,213,282
1,226,527
-23,017
-20,036
-21,643
-24,364
1,288,709
-22,519
-20,355
-20,004
-23,272
-25,806
-24,364
-27,106
-23,083
-21,471
-22,267
-25,154
-21,642
-20,091
-21,716
-22,648
-24,907
-23,028
-22,959
-18,956
-22,570
-20,550
-22,138
-21,067
-23,038
-18,879
-19,092
-22,893
-27,060
-25,141
-25,865
-27,178
-22,638
-22,539
-21,299
-24,105
21,474
-22,453
-24,161
-24,349
366,318
366,318-24,349-24,161-22,45321,474-24,105-21,299-22,539-22,638-27,178-25,865-25,141-27,060-22,893-19,092-18,879-23,038-21,067-22,138-20,550-22,570-18,956-22,959-23,028-24,907-22,648-21,716-20,091-21,642-25,154-22,267-21,471-23,083-27,106-24,364-25,806-23,272-20,004-20,355-22,5191,288,709-24,364-21,643-20,036-23,0171,226,5271,213,2821,201,4071,166,1161,139,3171,107,02100-1,693-1,550-231000000000
   > Long-term Liabilities 
1,069,539
0
0
1,105,801
1,125,065
1,120,322
1,404,218
1,140,211
1,169,941
1,187,188
1,222,408
1,215,032
1,216,053
1,258,156
1,264,269
1,301,332
1,323,610
1,350,083
1,348,038
1,343,263
20,000
1,345,652
1,342,531
1,348,013
90,708
1,403,350
1,431,113
1,437,925
1,474,693
1,499,194
1,522,067
1,563,673
1,599,405
1,625,222
1,623,296
1,618,580
1,646,160
1,699,839
1,686,440
1,723,472
1,767,509
1,821,712
1,796,301
1,788,802
142,200
1,822,172
1,844,247
1,837,992
168,183
1,862,516
1,839,698
1,857,248
1,859,930
1,884,867
1,878,478
1,863,183
22,638
22,539
21,299
24,105
1,852,093
22,453
281,321
273,385
1,483,235
1,483,235273,385281,32122,4531,852,09324,10521,29922,53922,6381,863,1831,878,4781,884,8671,859,9301,857,2481,839,6981,862,516168,1831,837,9921,844,2471,822,172142,2001,788,8021,796,3011,821,7121,767,5091,723,4721,686,4401,699,8391,646,1601,618,5801,623,2961,625,2221,599,4051,563,6731,522,0671,499,1941,474,6931,437,9251,431,1131,403,35090,7081,348,0131,342,5311,345,65220,0001,343,2631,348,0381,350,0831,323,6101,301,3321,264,2691,258,1561,216,0531,215,0321,222,4081,187,1881,169,9411,140,2111,404,2181,120,3221,125,0651,105,801001,069,539
       Long term Debt 
79,399
0
0
0
139,421
129,426
129,432
105,200
105,200
80,200
83,200
83,200
71,300
0
0
0
100,000
0
0
0
67,000
67,000
62,000
62,000
87,000
87,000
87,000
87,000
40,000
77,000
112,000
119,000
124,000
124,000
124,000
124,000
99,000
99,000
99,000
99,000
137,200
128,000
98,000
101,000
40,000
104,500
145,500
183,900
156,000
156,000
141,000
141,000
141,000
141,000
141,000
141,000
141,000
141,000
141,000
141,000
141,000
246,000
266,000
256,000
242,000
242,000256,000266,000246,000141,000141,000141,000141,000141,000141,000141,000141,000141,000141,000141,000156,000156,000183,900145,500104,50040,000101,00098,000128,000137,20099,00099,00099,00099,000124,000124,000124,000124,000119,000112,00077,00040,00087,00087,00087,00087,00062,00062,00067,00067,000000100,00000071,30083,20083,20080,200105,200105,200129,432129,426139,42100079,399
       Capital Lease Obligations Min Short Term Debt
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-20,000
-20,000
-20,000
0
0
0
0
0
0
0
0
0
0
0
-57,000
0
0
0
-124,077
0
-124,000
-124,000
-25,000
-124,000
-124,005
-25,000
-46,200
-20,000
-20,000
-20,000
-132,200
2,793
2,121
1,733
-12,817
13,241
12,542
14,130
13,119
14,792
14,433
14,119
0
0
0
14,683
0
12,504
-15,163
-62,340
-122,521
-122,521-62,340-15,16312,504014,68300014,11914,43314,79213,11914,13012,54213,241-12,8171,7332,1212,793-132,200-20,000-20,000-20,000-46,200-25,000-124,005-124,000-25,000-124,000-124,0000-124,077000-57,00000000000000-20,000-20,000-20,00000000000000000
       Other Liabilities 
25,824
0
0
0
25,939
25,846
28,607
24,948
25,073
39,222
24,684
21,434
24,383
22,144
23,464
22,231
29,194
28,348
26,135
26,736
27,808
24,352
28,932
28,563
29,055
24,305
28,259
25,037
28,840
31,784
34,335
33,152
32,397
28,102
31,502
31,752
30,576
30,261
32,091
29,798
34,497
30,157
6,700
4,038
7,010
3,895
6,880
3,923
6,964
4,015
6,890
4,108
6,790
3,770
6,132
3,727
6,207
3,558
5,888
3,040
5,577
0
0
0
0
00005,5773,0405,8883,5586,2073,7276,1323,7706,7904,1086,8904,0156,9643,9236,8803,8957,0104,0386,70030,15734,49729,79832,09130,26130,57631,75231,50228,10232,39733,15234,33531,78428,84025,03728,25924,30529,05528,56328,93224,35227,80826,73626,13528,34829,19422,23123,46422,14424,38321,43424,68439,22225,07324,94828,60725,84625,93900025,824
       Long-term Liabilities Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
118,243
122,288
111,564
127,470
113,605
93,431
93,639
87,448
83,575
64,383
90,708
89,417
90,718
89,301
90,916
89,710
121,677
122,094
129,124
127,021
129,315
127,296
129,702
127,514
129,959
127,764
143,824
131,895
124,700
125,038
179,210
131,188
174,501
209,556
185,147
183,256
170,432
169,238
170,909
169,562
171,565
168,846
167,951
169,398
171,063
169,436
171,872
273,606
297,193
0
0
00297,193273,606171,872169,436171,063169,398167,951168,846171,565169,562170,909169,238170,432183,256185,147209,556174,501131,188179,210125,038124,700131,895143,824127,764129,959127,514129,702127,296129,315127,021129,124122,094121,67789,71090,91689,30190,71889,41790,70864,38383,57587,44893,63993,431113,605127,470111,564122,288118,24300000000000000
> Total Stockholder Equity
92,479
0
0
99,057
99,381
101,967
104,247
215,791
219,671
220,115
223,026
225,818
227,359
227,496
222,524
214,218
213,961
216,989
216,318
219,417
218,972
218,938
218,027
212,589
212,140
212,140
214,612
217,086
216,378
215,145
218,364
218,366
219,641
223,027
225,716
228,418
229,786
232,624
235,467
237,292
234,854
232,372
234,699
235,835
235,648
238,838
241,772
245,602
243,890
243,919
244,027
246,658
248,708
251,652
251,245
251,689
256,322
257,982
255,905
256,745
256,550
253,761
250,634
248,750
251,086
251,086248,750250,634253,761256,550256,745255,905257,982256,322251,689251,245251,652248,708246,658244,027243,919243,890245,602241,772238,838235,648235,835234,699232,372234,854237,292235,467232,624229,786228,418225,716223,027219,641218,366218,364215,145216,378217,086214,612212,140212,140212,589218,027218,938218,972219,417216,318216,989213,961214,218222,524227,496227,359225,818223,026220,115219,671215,791104,247101,96799,38199,0570092,479
   Retained Earnings 
93,700
0
0
100,227
100,897
105,092
107,347
108,076
111,082
111,980
114,647
116,990
119,397
121,606
123,995
126,022
128,300
130,764
133,427
135,915
137,410
139,812
142,135
144,647
145,826
145,826
150,255
152,295
153,289
155,318
157,673
159,785
161,024
163,163
165,553
168,071
168,962
171,441
173,892
175,286
172,782
176,856
179,044
181,799
182,594
187,084
189,189
192,520
190,808
193,160
195,348
197,562
200,066
202,985
204,928
207,007
208,227
210,882
212,932
214,787
215,314
213,336
212,848
211,741
211,644
211,644211,741212,848213,336215,314214,787212,932210,882208,227207,007204,928202,985200,066197,562195,348193,160190,808192,520189,189187,084182,594181,799179,044176,856172,782175,286173,892171,441168,962168,071165,553163,163161,024159,785157,673155,318153,289152,295150,255145,826145,826144,647142,135139,812137,410135,915133,427130,764128,300126,022123,995121,606119,397116,990114,647111,980111,082108,076107,347105,092100,897100,2270093,700
   Accumulated Other Comprehensive Income -6,221-8,501-7,721-7,407-7,744-7,515-6,401-5,627-5,524-8,967-8,967-8,777-8,691-7,867-7,863-7,770-7,668-7,221-7,200-7,319-7,240-6,908-6,889-6,878-5,694-5,317-5,329-5,314-5,316-5,156-5,205-5,253-5,236-5,327-5,328-5,348-5,388-3,707-3,711-3,787-4,000-4,229-4,246-4,303-4,333-3,575-3,760-3,766-3,770-2,316-2,318-2,570-2,505-1,738-1,738-1,746-1,059-1,516-3,100-3,125-1,516-1,17000-1,221
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
109,294
98,842
97,640
98,077
94,617
94,920
93,616
91,029
87,618
79,531
77,340
74,266
75,064
75,371
75,229
71,806
72,528
70,295
70,118
71,259
71,389
71,400
71,914
72,149
72,433
72,729
73,050
67,557
67,584
65,863
65,090
63,748
64,335
64,732
65,057
62,715
-60,606
60,905
61,153
61,141
58,860
57,104
56,951
55,937
52,464
52,440
51,825
50,556
48,110
0
0
0048,11050,55651,82552,44052,46455,93756,95157,10458,86061,14161,15360,905-60,60662,71565,05764,73264,33563,74865,09065,86367,58467,55773,05072,72972,43372,14971,91471,40071,38971,25970,11870,29572,52871,80675,22975,37175,06474,26677,34079,53187,61891,02993,61694,92094,61798,07797,64098,842109,29400000000000000
   Treasury Stock00000000000000000000-4,893-5,016-5,138-5,260-5,383-5,505-5,627-5,750-5,872-5,994-6,117-6,239-6,361-6,484-6,606-6,728-6,851-6,973-7,095-7,218-7,340-7,462-7,585-7,707-7,829-7,952-8,074-8,196-8,319-8,441-8,563-8,686-8,808-8,930-9,053-9,175-9,297-9,5420000000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue71,559
Cost of Revenue-0
Gross Profit71,55971,559
 
Operating Income (+$)
Gross Profit71,559
Operating Expense-5,370
Operating Income66,18966,189
 
Operating Expense (+$)
Research Development0
Selling General Administrative26,202
Selling And Marketing Expenses0
Operating Expense5,37026,202
 
Net Interest Income (+$)
Interest Income67,621
Interest Expense-6,790
Other Finance Cost-14,342
Net Interest Income46,489
 
Pretax Income (+$)
Operating Income66,189
Net Interest Income46,489
Other Non-Operating Income Expenses0
Income Before Tax (EBT)6,83759,352
EBIT - interestExpense = -6,838
6,837
11,817
Interest Expense6,790
Earnings Before Interest and Taxes (EBIT)-4813,627
Earnings Before Interest and Taxes (EBITDA)3,865
 
After tax Income (+$)
Income Before Tax6,837
Tax Provision-2,832
Net Income From Continuing Ops8,1384,005
Net Income5,027
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses64,722
Total Other Income/Expenses Net6,837-46,489
 

Technical Analysis of Territorial Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Territorial Bancorp Inc. The general trend of Territorial Bancorp Inc is BEARISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Territorial Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-71.4%) Bearish trend (71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Territorial Bancorp Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 8.81 < 9.46 < 10.92.

The bearish price targets are: 8.04 > 6.8722 > 6.7688567493113.

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Territorial Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Territorial Bancorp Inc. The current mas is .

The long score for the Moving Averages is 2/14.
The longshort score for the Moving Averages is -10/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Territorial Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Territorial Bancorp Inc. The current macd is -0.29855686.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Territorial Bancorp Inc price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Territorial Bancorp Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Territorial Bancorp Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Territorial Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartTerritorial Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Territorial Bancorp Inc. The current adx is 27.20.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Territorial Bancorp Inc shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Territorial Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Territorial Bancorp Inc. The current sar is 8.8468.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Territorial Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Territorial Bancorp Inc. The current rsi is 32.37. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
  • Trending down: The RSI is trending down. -1
Territorial Bancorp Inc Daily Relative Strength Index (RSI) ChartTerritorial Bancorp Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Territorial Bancorp Inc. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Territorial Bancorp Inc price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Territorial Bancorp Inc Daily Stochastic Oscillator ChartTerritorial Bancorp Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Territorial Bancorp Inc. The current cci is -144.95102633.

The long score for the Commodity Channel Index (CCI) is 0/1.
The longshort score for the Commodity Channel Index (CCI) is -1/(-1 +1).

  • CCI < -100: The CCI is below -100, it indicates that the price is significantly below its average, suggesting a potential oversold condition. -1
Territorial Bancorp Inc Daily Commodity Channel Index (CCI) ChartTerritorial Bancorp Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Territorial Bancorp Inc. The current cmo is -36.87166558.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Territorial Bancorp Inc Daily Chande Momentum Oscillator (CMO) ChartTerritorial Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Territorial Bancorp Inc. The current willr is -80.39215686.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Territorial Bancorp Inc Daily Williams %R ChartTerritorial Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Territorial Bancorp Inc.

Territorial Bancorp Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Territorial Bancorp Inc. The current atr is 0.33200939.

Territorial Bancorp Inc Daily Average True Range (ATR) ChartTerritorial Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Territorial Bancorp Inc. The current obv is -522,992.

Territorial Bancorp Inc Daily On-Balance Volume (OBV) ChartTerritorial Bancorp Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Territorial Bancorp Inc. The current mfi is 39.34.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Territorial Bancorp Inc Daily Money Flow Index (MFI) ChartTerritorial Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Territorial Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-09SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-10CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-11-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-24CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-28STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-06BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-08ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-11RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-14BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-18STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-20STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-12STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-17RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-19SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-22CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-23WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-25RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-26SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-31DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-23SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-28MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-01SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-06RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-13STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-14STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-18CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-22DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-03-25DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-26SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-28STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside

6.3. Candlestick Patterns

Territorial Bancorp Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Territorial Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5032.372
Ma 20Greater thanMa 508.350
Ma 50Greater thanMa 1009.312
Ma 100Greater thanMa 2009.278
OpenGreater thanClose8.070
Total2/5 (40.0%)
Penke

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