Territorial Bancorp (TBNK) Competitors

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

Does the MarketBeat Community prefer TBNK or WSBF?

Territorial Bancorp received 61 more outperform votes than Waterstone Financial when rated by MarketBeat users. However, 52.92% of users gave Waterstone Financial an outperform vote while only 45.78% of users gave Territorial Bancorp an outperform vote.

Company	Underperform	Outperform
Territorial Bancorp	Outperform Votes 206 45.78%	Underperform Votes 244 54.22%
Waterstone Financial	Outperform Votes 145 52.92%	Underperform Votes 129 47.08%

Does the media favor TBNK or WSBF?

In the previous week, Waterstone Financial had 3 more articles in the media than Territorial Bancorp. MarketBeat recorded 4 mentions for Waterstone Financial and 1 mentions for Territorial Bancorp. Waterstone Financial's average media sentiment score of 1.29 beat Territorial Bancorp's score of 0.93 indicating that Waterstone Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Territorial Bancorp	Positive
Waterstone Financial	Positive

Do analysts prefer TBNK or WSBF?

Territorial Bancorp currently has a consensus price target of $9.89, suggesting a potential upside of 18.10%. Given Territorial Bancorp's stronger consensus rating and higher probable upside, equities analysts plainly 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

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

50.3% of Territorial Bancorp shares are owned by institutional investors. Comparatively, 62.7% of Waterstone Financial shares are owned by institutional investors. 9.0% of Territorial Bancorp shares are owned by insiders. Comparatively, 8.3% of Waterstone Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Which has more risk & volatility, TBNK or WSBF?

Territorial Bancorp has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500. Comparatively, Waterstone Financial has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500.

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 4.5%. Territorial Bancorp pays out -8.0% of its earnings in the form of a dividend. Waterstone Financial pays out 59.4% 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.

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 stronger 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	2.16	-$4.30M	-$0.50	-16.74
Waterstone Financial	$132.38M	1.96	$18.69M	$1.01	13.33

Summary

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