Head to Head Contrast: Territorial Bancorp (TBNK) vs. Equitable Financial (EQFN)

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

Valuation and Earnings

This table compares Territorial Bancorp and Equitable Financial’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Territorial Bancorp $76.46 million 3.44 $19.21 million $2.03 13.42
Equitable Financial N/A N/A N/A N/A N/A

Territorial Bancorp has higher revenue and earnings than Equitable Financial.

Profitability

This table compares Territorial Bancorp and Equitable Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Territorial Bancorp 25.13% 8.20% 0.94%
Equitable Financial N/A N/A N/A

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Territorial Bancorp and Equitable Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Territorial Bancorp 0 2 0 0 2.00
Equitable Financial 0 0 0 0 N/A

Territorial Bancorp currently has a consensus target price of $32.00, suggesting a potential upside of 17.47%. Given Territorial Bancorp’s higher probable upside, research analysts plainly believe Territorial Bancorp is more favorable than Equitable Financial.

Insider & Institutional Ownership

43.4% of Territorial Bancorp shares are held by institutional investors. Comparatively, 24.9% of Equitable Financial shares are held by institutional investors. 11.7% of Territorial Bancorp shares are held by insiders. Comparatively, 11.3% of Equitable Financial shares are held by 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.

Dividends

Territorial Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 3.2%. Equitable Financial does not pay a dividend. Territorial Bancorp pays out 43.3% of its earnings in the form of a dividend. Territorial Bancorp has raised its dividend for 6 consecutive years.

Summary

Territorial Bancorp beats Equitable Financial on 9 of the 10 factors compared between the two stocks.

Territorial Bancorp Company Profile

Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that provides various financial services to individuals, families, and businesses. The company offers a range of deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and NOW accounts. It also provides various loan products comprising one- to four-family residential mortgage loans; home equity loans and lines of credit; construction, commercial, and other non-residential real estate loans; consumer loans; multi-family mortgage loans; commercial business loans; and other loans, as well as offers investment securities. In addition, the company, through its subsidiary, Territorial Financial Services, Inc. engages in insurance agency activities. Further, it provides various non-deposit investments, including annuities and mutual funds through a third-party broker-dealer. The company operates through a network of 29 full-service branches located in the State of Hawaii. Territorial Bancorp Inc. was founded in 1921 and is based in Honolulu, Hawaii.

Equitable Financial Company Profile

Equitable Financial Corp. operates as the holding company for Equitable Bank that provides various banking products and services in Nebraska, the United States. It offers deposit products, including checking, savings, and money market deposit accounts, as well as certificates of deposit. The company's lending products include commercial lines of credit and term loans, commercial real estate loans, agricultural operating loans, agricultural real estate loans, and one-to four-family residential real estate loans, as well as home equity loans, construction and land loans, and consumer loans. It also offers retail brokerage services under the Equitable Wealth Management name; and invests in securities. Equitable Financial Corp. operates through its main office in Grand Island, Nebraska; one full-service branch in each of Grand Island, North Platte, and Omaha, Nebraska; and one additional limited service branch in Grand Island. The company was founded in 1882 and is headquartered in Grand Island, Nebraska. Equitable Financial Corp. is a subsidiary of Equitable Financial MHC.

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