Territorial Bancorp (TBNK) Competitors

Territorial Bancorp (NASDAQ:TBNK) and Waterstone Financial (NASDAQ:WSBF) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, dividends, risk, institutional ownership, media sentiment, valuation, profitability, community ranking and analyst recommendations.

Does the MarketBeat Community favor TBNK or WSBF?

Territorial Bancorp received 60 more outperform votes than Waterstone Financial when rated by MarketBeat users. However, 52.71% of users gave Waterstone Financial an outperform vote while only 45.27% of users gave Territorial Bancorp an outperform vote.

Company	Underperform	Outperform
Territorial Bancorp	Outperform Votes 206 45.27%	Underperform Votes 249 54.73%
Waterstone Financial	Outperform Votes 146 52.71%	Underperform Votes 131 47.29%

Is TBNK or WSBF a better dividend stock?

Territorial Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.5%. Waterstone Financial pays an annual dividend of $0.60 per share and has a dividend yield of 5.0%. Territorial Bancorp pays out -8.0% of its earnings in the form of a dividend. Waterstone Financial pays out 58.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Does the media favor TBNK or WSBF?

In the previous week, Waterstone Financial had 6 more articles in the media than Territorial Bancorp. MarketBeat recorded 6 mentions for Waterstone Financial and 0 mentions for Territorial Bancorp. Waterstone Financial's average media sentiment score of 0.90 beat Territorial Bancorp's score of 0.00 indicating that Waterstone Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Territorial Bancorp	Neutral
Waterstone Financial	Positive

Do insiders and institutionals hold more shares of TBNK or WSBF?

50.3% of Territorial Bancorp shares are held by institutional investors. Comparatively, 62.7% of Waterstone Financial shares are held by institutional investors. 9.0% of Territorial Bancorp shares are held by company insiders. Comparatively, 8.3% of Waterstone Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Which has preferable valuation and earnings, TBNK or WSBF?

Waterstone Financial has higher revenue and earnings than Territorial Bancorp. Territorial Bancorp is trading at a lower price-to-earnings ratio than Waterstone Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Territorial Bancorp	$34.30M	2.14	-$4.30M	-$0.50	-16.66
Waterstone Financial	$129.79M	1.80	$18.69M	$1.02	11.86

Do analysts prefer TBNK or WSBF?

Territorial Bancorp presently has a consensus target price of $9.89, suggesting a potential upside of 18.67%. Given Territorial Bancorp's stronger consensus rating and higher possible upside, equities analysts clearly believe Territorial Bancorp is more favorable than Waterstone Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Territorial Bancorp	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Waterstone Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is TBNK or WSBF more profitable?

Waterstone Financial has a net margin of 9.23% compared to Territorial Bancorp's net margin of -5.74%. Waterstone Financial's return on equity of 5.75% beat Territorial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Territorial Bancorp	-5.74%	-1.72%	-0.20%
Waterstone Financial	9.23%	5.75%	0.86%

Which has more risk and volatility, TBNK or WSBF?

Territorial Bancorp has a beta of 0.59, indicating that its share price is 41% less volatile than the S&P 500. Comparatively, Waterstone Financial has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500.

Summary

Waterstone Financial beats Territorial Bancorp on 13 of the 19 factors compared between the two stocks.