Territorial Bancorp (TBNK) Competitors

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

Is WSBF or TBNK a better dividend stock?

Waterstone Financial pays an annual dividend of $0.60 per share and has a dividend yield of 4.9%. Territorial Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.5%. Waterstone Financial pays out 59.4% of its earnings in the form of a dividend. Territorial Bancorp pays out -8.0% 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.

Which has better valuation and earnings, WSBF or TBNK?

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
Waterstone Financial	$132.38M	1.78	$18.69M	$1.01	12.06
Territorial Bancorp	$34.30M	2.14	-$4.30M	-$0.50	-16.66

Does the MarketBeat Community believe in WSBF or TBNK?

Territorial Bancorp received 60 more outperform votes than Waterstone Financial when rated by MarketBeat users. However, 52.90% of users gave Waterstone Financial an outperform vote while only 45.47% of users gave Territorial Bancorp an outperform vote.

Company	Underperform	Outperform
Waterstone Financial	Outperform Votes 146 52.90%	Underperform Votes 130 47.10%
Territorial Bancorp	Outperform Votes 206 45.47%	Underperform Votes 247 54.53%

Do insiders & institutionals believe in WSBF or TBNK?

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

Which has more volatility and risk, WSBF or TBNK?

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

Is WSBF or TBNK 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
Waterstone Financial	9.23%	5.75%	0.86%
Territorial Bancorp	-5.74%	-1.72%	-0.20%

Do analysts recommend WSBF or TBNK?

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

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

Does the media refer more to WSBF or TBNK?

In the previous week, Waterstone Financial had 3 more articles in the media than Territorial Bancorp. MarketBeat recorded 3 mentions for Waterstone Financial and 0 mentions for Territorial Bancorp. Waterstone Financial's average media sentiment score of 1.12 beat Territorial Bancorp's score of 0.00 indicating that Waterstone Financial is being referred to more favorably in the media.

Company	Overall Sentiment
Waterstone Financial	Positive
Territorial Bancorp	Neutral

Summary

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