TBNK vs. PROV, WSBF, MGYR, OFED, FFBW, HMNF, TCBC, RVSB, IROQ, and CLST
Should you be buying Territorial Bancorp stock or one of its competitors? The main competitors of Territorial Bancorp include Provident Financial (PROV), Waterstone Financial (WSBF), Magyar Bancorp (MGYR), Oconee Federal Financial (OFED), FFBW (FFBW), HMN Financial (HMNF), TC Bancshares (TCBC), Riverview Bancorp (RVSB), IF Bancorp (IROQ), and Catalyst Bancorp (CLST). These companies are all part of the "federal savings institutions" industry.
Provident Financial (NASDAQ:PROV) and Territorial Bancorp (NASDAQ:TBNK) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, risk, earnings, dividends, media sentiment, institutional ownership, valuation, community ranking and profitability.
71.3% of Provident Financial shares are owned by institutional investors. Comparatively, 50.4% of Territorial Bancorp shares are owned by institutional investors. 15.1% of Provident Financial shares are owned by insiders. Comparatively, 9.0% of Territorial Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Provident Financial received 27 more outperform votes than Territorial Bancorp when rated by MarketBeat users. However, 50.24% of users gave Territorial Bancorp an outperform vote while only 45.96% of users gave Provident Financial an outperform vote.
Provident Financial pays an annual dividend of $0.56 per share and has a dividend yield of 4.5%. Territorial Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.4%. Provident Financial pays out 53.8% of its earnings in the form of a dividend. Territorial Bancorp pays out 80.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Provident Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.
Provident Financial presently has a consensus price target of $14.00, indicating a potential upside of 11.29%. Territorial Bancorp has a consensus price target of $9.08, indicating a potential upside of 6.95%. Given Territorial Bancorp's higher possible upside, equities analysts clearly believe Provident Financial is more favorable than Territorial Bancorp.
Provident Financial has higher earnings, but lower revenue than Territorial Bancorp. Provident Financial is trading at a lower price-to-earnings ratio than Territorial Bancorp, indicating that it is currently the more affordable of the two stocks.
In the previous week, Territorial Bancorp had 6 more articles in the media than Provident Financial. MarketBeat recorded 11 mentions for Territorial Bancorp and 5 mentions for Provident Financial. Territorial Bancorp's average media sentiment score of 0.72 beat Provident Financial's score of 0.12 indicating that Provident Financial is being referred to more favorably in the media.
Provident Financial has a net margin of 12.57% compared to Provident Financial's net margin of 3.06%. Territorial Bancorp's return on equity of 5.56% beat Provident Financial's return on equity.
Provident Financial has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500. Comparatively, Territorial Bancorp has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500.
Summary
Provident Financial beats Territorial Bancorp on 13 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding TBNK and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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