Territorial Bancorp Inc.
TBNKFinancials · Financials · Non-accelerated filer<br>Smaller reporting company · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | $1.2M | $1.3M | $1.5M | $2.5M | $2.8M | $1.9M |
| Operating income | — | — | — | — | — | — |
| Net income | −$4.3M | $5.0M | $16.2M | $17.4M | $18.6M | $6.5M |
| Total assets | $2.17B | $2.24B | $2.17B | $2.13B | $2.11B | $2.09B |
| Total liabilities | $1.92B | $1.99B | $1.91B | $1.87B | $1.86B | $1.84B |
| Equity | $248.4M | $251.1M | $256.6M | $256.3M | $248.7M | $243.9M |
| EPS (diluted) | $-0.50 | $0.57 | $1.80 | $1.90 | $2.01 | $0.70 |
| Shares out. | 8.8M | 9.1M | 9.3M | 9.5M | 9.7M | 9.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- −372.9%
- Return on equity
- −1.7%
- Return on assets
- −0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.6%
- Debt / equity
- 7.74×
- Book value / share
- $28.14
- Revenue growth (YoY)
- −11.9%
- Net income growth (YoY)
- −185.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 2/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 4 warning● 1 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Reported a net loss
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jun 28, 2024
- NT 11-Kmissed a reporting deadline ↗Jun 19, 2014
- NT 10-Kmissed a reporting deadline ↗Mar 17, 2014
- NT 11-Kmissed a reporting deadline ↗Jun 18, 2013
- NT 11-Kmissed a reporting deadline ↗Jun 18, 2013
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Bay Pond Partners, L.P.Passive (13G)Aug 12, 2025
- Wellington Management Group LlpPassive (13G)Aug 12, 2025
- Dimensional Fund Advisors LpPassive (13G)Jul 15, 2025
- Territorial Savings Bank Employee Stock Ownership Plan TrustPassive (13G)Feb 14, 2025
- Renaissance Technologies LlcPassive (13G)Feb 13, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Ohama John MDirector | Apr 2, 2025 | D | 10,000 | — |
| Kitagawa Allan SOfficer — Chairman, President and CEO | Apr 2, 2025 | D | 166,491 | — |
| Caldwell Kirk WDirector | Apr 2, 2025 | D | 34,227 | — |
| Ikeda Howard YDirector | Apr 2, 2025 | D | 27,078 | — |
| Nakatsuka Ralph YOfficer — Vice Chairman & Co-COO | Apr 2, 2025 | D | 165,311 | — |
| Miyamoto Melvin MOfficer — SVP and Treasurer | Apr 2, 2025 | D | 15,188 | — |
| Cox Karen JOfficer — SVP | Apr 2, 2025 | D | 18,626 | — |
| Yoshimasu TroyOfficer — Sr. VP/Chief Lending Officer | Apr 2, 2025 | D | 3,374 | — |
| Hirata VernonOfficer — Vice Chairman & Co-COO | Apr 2, 2025 | D | 82,969 | — |
| Kitagawa Allan SOfficer — Chairman, President and CEO | Mar 27, 2025 | Tax withholding | 3,628 | $8.55 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Mar 31, 2025 | 9,433 | 1.0 | -12.5% |
| Mar 14, 2025 | 10,777 | 1.1 | -8.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsApr 2, 2025
- Other material eventMar 6, 2025
- Results of operationsJan 31, 2025
- Shareholder voteNov 7, 2024
- Results of operationsOct 28, 2024
- Results of operationsJul 26, 2024
- Shareholder vote · Other material eventMay 20, 2024
- Other material eventMay 13, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AAug 12, 2025
- SCHEDULE 13G/AAug 12, 2025
- SCHEDULE 13G/AJul 15, 2025
- 15-12GApr 14, 2025
- 4FORM 4Apr 2, 2025
- 4FORM 4Apr 2, 2025
- 4FORM 4Apr 2, 2025
- 4FORM 4Apr 2, 2025
- 4FORM 4Apr 2, 2025
- 8-KApr 2, 2025
- 4FORM 4Apr 2, 2025
- S-8 POSApr 2, 2025
- 4FORM 4Apr 2, 2025
- S-8 POSApr 2, 2025
- 4FORM 4Apr 2, 2025
Event-driven situations (1)
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