Territorial Historical Income Statement

TBNK Stock

USD 10.94 0.12 1.11%

Historical analysis of Territorial Bancorp income statement accounts such as Gross Profit of 61.4 M, Other Operating Expenses of 29.4 M, Operating Income of 6.5 M or Ebit of 6.5 M can show how well Territorial Bancorp performed in making a profits. Evaluating Territorial Bancorp income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Territorial Bancorp's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Territorial Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Territorial Bancorp is a good buy for the upcoming year.

Net Income Gross Profit

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Territorial Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For more information on how to buy Territorial Stock please use our How to buy in Territorial Stock guide.

About Territorial Income Statement Analysis

Territorial Bancorp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Territorial Bancorp shareholders. The income statement also shows Territorial investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Territorial Bancorp Income Statement Chart

At this time, Territorial Bancorp's Interest Expense is quite stable compared to the past year. Total Revenue is expected to rise to about 61.4 M this year, although the value of Other Operating Expenses will most likely fall to about 29.4 M.

Selling General Administrative Total Revenue Gross Profit Other Operating Expenses Reconciled Depreciation

Total Revenue

Total revenue comprises all receipts Territorial Bancorp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Territorial Bancorp minus its cost of goods sold. It is profit before Territorial Bancorp operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Other Operating Expenses

Other Operating Expenses is the expense which generally does not depend on sales or production quantities of Territorial Bancorp. It is also known as Territorial Bancorp overhead expenses. Typically these expenses include marketing, rent and utilities, office, leases, and other overhead cost. Expenses incurred from non-core business activities, including administrative and general expenses, but excluding costs directly related to production.

Most accounts from Territorial Bancorp's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Territorial Bancorp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Territorial Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

For more information on how to buy Territorial Stock please use our How to buy in Territorial Stock guide.At this time, Territorial Bancorp's Interest Expense is quite stable compared to the past year. Total Revenue is expected to rise to about 61.4 M this year, although the value of Other Operating Expenses will most likely fall to about 29.4 M.

	2021	2022	2023	2024 (projected)
Interest Expense	6.3M	7.2M	26.5M	27.8M
Depreciation And Amortization	4.2M	4.1M	3.9M	2.2M

Interest Expense Depreciation And Amortization

Territorial Bancorp income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Cost Of Revenue	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Net Income From Continuing Ops	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items	Selling And Marketing Expenses
Depreciation And Amortization		0.08	-0.13	0.16	0.16	0.31	-0.56	-0.59	-0.5	0.11	0.11	-0.05	0.63	0.19	-0.45	0.22	-0.69	-0.3	0.18	0.97	0.29	-0.15
Interest Expense	0.08		-0.81	-0.65	-0.65	-0.11	-0.36	-0.33	-0.34	0.68	0.75	-0.84	-0.18	-0.71	-0.83	-0.5	-0.48	-0.56	-0.07	0.22	0.61	-0.62
Selling General Administrative	-0.13	-0.81		0.48	0.48	-0.08	0.75	0.72	0.76	-0.22	-0.91	0.92	0.07	0.86	0.77	0.81	0.63	0.91	0.38	-0.31	-0.91	0.9
Total Revenue	0.16	-0.65	0.48		1.0	0.43	-0.03	-0.03	0.0	-0.72	-0.54	0.72	0.62	0.72	0.52	0.53	-0.01	0.27	0.21	0.16	-0.32	0.09
Gross Profit	0.16	-0.65	0.48	1.0		0.43	-0.03	-0.03	0.0	-0.72	-0.54	0.72	0.62	0.72	0.52	0.53	-0.01	0.27	0.21	0.16	-0.32	0.09
Other Operating Expenses	0.31	-0.11	-0.08	0.43	0.43		-0.4	-0.33	-0.32	-0.47	-0.28	0.21	0.57	0.22	0.12	0.12	-0.19	-0.17	0.25	0.3	0.28	-0.18
Operating Income	-0.56	-0.36	0.75	-0.03	-0.03	-0.4		0.99	0.99	0.22	-0.65	0.57	-0.44	0.47	0.59	0.56	0.81	0.91	0.36	-0.69	-0.83	0.83
Ebit	-0.59	-0.33	0.72	-0.03	-0.03	-0.33	0.99		0.99	0.21	-0.66	0.56	-0.45	0.45	0.6	0.54	0.82	0.9	0.37	-0.72	-0.81	0.81
Ebitda	-0.5	-0.34	0.76	0.0	0.0	-0.32	0.99	0.99		0.24	-0.69	0.59	-0.39	0.51	0.58	0.62	0.78	0.93	0.42	-0.64	-0.84	0.83
Cost Of Revenue	0.11	0.68	-0.22	-0.72	-0.72	-0.47	0.22	0.21	0.24		0.31	-0.47	-0.41	-0.32	-0.59	-0.02	-0.11	0.01	0.05	0.12	-0.02	0.04
Total Operating Expenses	0.11	0.75	-0.91	-0.54	-0.54	-0.28	-0.65	-0.66	-0.69	0.31		-0.92	-0.18	-0.86	-0.79	-0.8	-0.63	-0.84	-0.42	0.28	0.81	-0.81
Income Before Tax	-0.05	-0.84	0.92	0.72	0.72	0.21	0.57	0.56	0.59	-0.47	-0.92		0.32	0.94	0.83	0.84	0.51	0.82	0.49	-0.2	-0.75	0.75
Total Other Income Expense Net	0.63	-0.18	0.07	0.62	0.62	0.57	-0.44	-0.45	-0.39	-0.41	-0.18	0.32		0.46	-0.01	0.38	-0.43	-0.11	0.33	0.62	0.13	-0.13
Net Income	0.19	-0.71	0.86	0.72	0.72	0.22	0.47	0.45	0.51	-0.32	-0.86	0.94	0.46		0.59	0.95	0.26	0.76	0.59	0.05	-0.69	0.69
Income Tax Expense	-0.45	-0.83	0.77	0.52	0.52	0.12	0.59	0.6	0.58	-0.59	-0.79	0.83	-0.01	0.59		0.43	0.81	0.7	0.19	-0.57	-0.65	0.65
Net Income From Continuing Ops	0.22	-0.5	0.81	0.53	0.53	0.12	0.56	0.54	0.62	-0.02	-0.8	0.84	0.38	0.95	0.43		0.24	0.8	0.67	0.07	-0.72	0.72
Tax Provision	-0.69	-0.48	0.63	-0.01	-0.01	-0.19	0.81	0.82	0.78	-0.11	-0.63	0.51	-0.43	0.26	0.81	0.24		0.72	0.06	-0.8	-0.7	0.69
Net Interest Income	-0.3	-0.56	0.91	0.27	0.27	-0.17	0.91	0.9	0.93	0.01	-0.84	0.82	-0.11	0.76	0.7	0.8	0.72		0.57	-0.47	-0.88	0.91
Interest Income	0.18	-0.07	0.38	0.21	0.21	0.25	0.36	0.37	0.42	0.05	-0.42	0.49	0.33	0.59	0.19	0.67	0.06	0.57		0.03	-0.17	0.47
Reconciled Depreciation	0.97	0.22	-0.31	0.16	0.16	0.3	-0.69	-0.72	-0.64	0.12	0.28	-0.2	0.62	0.05	-0.57	0.07	-0.8	-0.47	0.03		0.4	-0.37
Extraordinary Items	0.29	0.61	-0.91	-0.32	-0.32	0.28	-0.83	-0.81	-0.84	-0.02	0.81	-0.75	0.13	-0.69	-0.65	-0.72	-0.7	-0.88	-0.17	0.4		-0.8
Selling And Marketing Expenses	-0.15	-0.62	0.9	0.09	0.09	-0.18	0.83	0.81	0.83	0.04	-0.81	0.75	-0.13	0.69	0.65	0.72	0.69	0.91	0.47	-0.37	-0.8

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Territorial Bancorp Account Relationship Matchups

Territorial Bancorp income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	3.9M	4.5M	4.2M	4.1M	3.9M	2.2M
Interest Expense	17.0M	12.2M	6.3M	7.2M	26.5M	27.8M
Selling General Administrative	27.4M	26.1M	27.3M	27.1M	4.4M	4.2M
Total Revenue	66.4M	64.4M	60.5M	59.7M	45.1M	61.4M
Gross Profit	66.4M	64.4M	60.5M	59.7M	45.1M	61.4M
Other Operating Expenses	38.1M	39.1M	36.7M	4.3M	37.3M	29.4M
Operating Income	28.3M	25.3M	23.8M	25.6M	6.8M	6.5M
Ebit	28.3M	25.3M	23.8M	21.5M	6.8M	6.5M
Ebitda	32.2M	29.8M	28.0M	25.6M	10.8M	10.2M
Total Operating Expenses	(38.1M)	(39.1M)	(36.7M)	4.3M	37.3M	39.2M
Income Before Tax	28.3M	25.3M	23.8M	21.5M	6.8M	6.5M
Total Other Income Expense Net	28.3M	(425K)	(565K)	(573K)	(982K)	(1.0M)
Net Income Applicable To Common Shares	22.0M	18.5M	17.4M	16.2M	18.6M	15.7M
Net Income	22.0M	18.6M	17.4M	16.2M	5.0M	4.8M
Income Tax Expense	6.3M	6.7M	6.4M	5.3M	1.8M	1.7M
Net Income From Continuing Ops	22.0M	18.6M	17.4M	16.2M	8.1M	7.7M
Tax Provision	6.3M	6.7M	6.4M	5.3M	2.8M	2.7M
Net Interest Income	58.5M	57.6M	54.0M	55.5M	46.5M	44.9M
Interest Income	75.6M	69.8M	60.3M	62.7M	67.6M	53.9M
Reconciled Depreciation	3.9M	4.5M	4.2M	4.1M	4.0M	3.6M

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When determining whether Territorial Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Territorial Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Territorial Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Territorial Bancorp Stock:

How To Invest In Territorial

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Is Territorial Stock a good investment?

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What is Territorial Bancorp's Net Worth?

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Largest Regional Banks Companies

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For more information on how to buy Territorial Stock please use our How to buy in Territorial Stock guide.

You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Territorial Bancorp. If investors know Territorial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Territorial Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.90)

Dividend Share

0.12

Earnings Share

(0.26)

Revenue Per Share

4.211

Quarterly Revenue Growth

(0.26)

The market value of Territorial Bancorp is measured differently than its book value, which is the value of Territorial that is recorded on the company's balance sheet. Investors also form their own opinion of Territorial Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Territorial Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Territorial Bancorp's market value can be influenced by many factors that don't directly affect Territorial Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Territorial Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Territorial Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Territorial Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Territorial Historical Income Statement

About Territorial Income Statement Analysis

Territorial Bancorp Income Statement Chart

Total Revenue

Gross Profit

Other Operating Expenses

Territorial Bancorp income statement Correlations

Territorial Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Territorial Bancorp income statement Accounts

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Gross Profit	+ 1.0	Total Revenue
Ebit	+ 0.99	Operating Income
Ebitda	+ 0.99	Operating Income
Ebitda	+ 0.99	Ebit
Reconciled Depreciation	+ 0.97	Depreciation And Amortization
Net Income From Continuing Ops	+ 0.95	Net Income

Income Before Tax	- 0.92	Total Operating Expenses
Extraordinary Items	- 0.91	Selling General Administrative
Total Operating Expenses	- 0.91	Selling General Administrative
Extraordinary Items	- 0.88	Net Interest Income
Net Income	- 0.86	Total Operating Expenses
Net Interest Income	- 0.84	Total Operating Expenses