Territorial Bancorp Inc. Financial Ratios — TBNK Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	9.56	10.32	11.16	10.33	9.42	9.38	9.9	8.75	10.81	11.77	9.52	8.53	7.63	2.35	-2.05
Return on Assets (%)	0.78	0.86	0.95	0.92	0.85	0.84	0.88	0.77	0.94	1.06	0.89	0.82	0.75	0.23	-0.2
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.09	1.99	1.96	1.94	2.37	2.11	1.83	1.8	1.99	5.92	7.01	6.98	6.91	8.68	12.81
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.16	37.99	39.9	40.08	39.21	39.9	43.54	41.64	40.24	42.65	39.34	39.35	35.97	15.16	-19.57
Profit Margin (%)	22.78	22.61	25.59	24.99	24.03	23.99	26.23	23.9	30.53	33.14	28.9	28.81	27.06	11.15	-12.53
Net Income to Common Margin (%)	22.78	22.61	25.59	24.99	24.03	23.99	26.23	23.9	30.53	33.14	28.9	28.81	27.06	11.15	-12.53
Effective Tax Rate (%)	33.33	40.48	35.86	37.65	38.72	39.89	39.75	42.6	24.13	22.3	26.52	26.77	24.76	26.47	- -
Dvd Payout Ratio (%)	24.6	30.39	38.6	42.54	47.06	47.55	51.44	74.34	54.6	62.24	45.15	58.66	56.15	127.55	-16.35
Sustainable Growth Rate (%)	7.21	7.18	6.85	5.94	4.99	4.92	4.81	2.25	4.91	4.45	5.22	3.53	3.34	-0.65	-2.39

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	10	20	20	15	15	69	69	107	142	168	154	152	156	259	178
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	10	20	20	15	15	69	69	107	142	168	154	152	156	259	178
Total Debt/EBITDA	9.9	17.79	17.59	13.18	10.8	53.24	60.58	94.95	113.31	42.77	34.15	35.94	37.87	66.27	40.51
Net Debt/EBITDA	-182.61	-99.59	-143.2	-53.04	-43.24	2.38	6.78	66.53	75.81	28.28	-49.31	9.74	24.34	29.48	8.3
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.28	8.35	8.73	9.03	9.07	8.85	9	8.63	8.83	9.15	9.48	9.78	9.93	9.47	9.53
Long-Term Debt/Equity (%)	4.4	9.35	9.13	7.07	6.93	31.41	30.03	45.65	60.49	68.96	61.97	59.2	60.92	103.27	71.66
Long-Term Debt/Capital (%)	7.72	13.48	12.7	9.32	8.91	29.98	28.98	38.27	43.77	46.84	43.5	42.14	42.05	55.05	46.26
Long-Term Debt/Total Assets (%)	0.69	1.3	1.27	0.93	0.89	3.79	3.67	5.35	6.87	8.06	7.3	7.12	7.2	11.59	8.2
Total Debt/Equity (%)	4.4	9.35	9.13	7.07	6.93	31.41	30.03	45.65	60.49	68.96	61.97	59.2	60.92	103.27	71.66
Total Debt/Capital (%)	7.72	13.48	12.7	9.32	8.91	29.98	28.98	38.27	43.77	46.84	43.5	42.14	42.05	55.05	46.26
Total Debt/Total Assets (%)	0.69	1.3	1.27	0.93	0.89	3.79	3.67	5.35	6.87	8.06	7.3	7.12	7.2	11.59	8.2
Net Debt to Equity	-81.12	-52.32	-74.36	-28.46	-27.76	1.4	3.36	31.98	40.47	45.59	-89.48	16.05	39.15	45.94	14.69
Net Debt/Capital (%)	284.11	-679.52	643.55	-70.55	-64.35	1.88	4.37	30.29	34.24	35.38	2,402.49	15.81	30.33	33.49	13.96
EBITDA	1	1	1	1	1	1	1	1	1	4	5	4	4	4	4
EBITDA-CapEx	-1	- -	- -	-1	- -	1	1	-1	1	3	3	4	-1	3	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.28	8.35	8.73	9.03	9.07	8.85	9	8.63	8.83	9.15	9.48	9.78	9.93	9.47	9.53
Long-Term Debt/Equity (%)	4.4	9.35	9.13	7.07	6.93	31.41	30.03	45.65	60.49	68.96	61.97	59.2	60.92	103.27	71.66
Long-Term Debt/Capital (%)	7.72	13.48	12.7	9.32	8.91	29.98	28.98	38.27	43.77	46.84	43.5	42.14	42.05	55.05	46.26
Long-Term Debt/Total Assets (%)	0.69	1.3	1.27	0.93	0.89	3.79	3.67	5.35	6.87	8.06	7.3	7.12	7.2	11.59	8.2
Total Debt/Equity (%)	4.4	9.35	9.13	7.07	6.93	31.41	30.03	45.65	60.49	68.96	61.97	59.2	60.92	103.27	71.66
Total Debt/Capital (%)	7.72	13.48	12.7	9.32	8.91	29.98	28.98	38.27	43.77	46.84	43.5	42.14	42.05	55.05	46.26
Total Debt/Total Assets (%)	0.69	1.3	1.27	0.93	0.89	3.79	3.67	5.35	6.87	8.06	7.3	7.12	7.2	11.59	8.2
CFO/Total Liabilities	0.92	1.51	1.3	1.23	0.96	1.07	1.14	1.18	1.18	1.21	1.13	0.67	0.87	0.42	-0.39
CFO/CapEx	5.58	17.44	23.38	8.11	14.49	28.33	33.33	8.22	59.58	31.1	11.91	34.5	3.53	12.05	-7.13
Altman's Z-Score	0.22	0.21	0.22	0.23	0.22	0.22	0.24	0.23	0.22	0.24	0.22	0.23	0.23	0.18	0.18

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	10.39	12.14	12.68	13.51	13.42	13.48	13.24	12.68	12.08	12.43	10.8	9.84	10.03	7.38	5.76
Days Sales Outstanding	35.12	30.06	28.79	27.02	27.2	27.07	27.57	28.79	30.2	29.37	33.81	37.11	36.38	49.45	63.34
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	138	133	148	148	135	176	216	216	187	234	188	204	199	95	84
- Cash & Cash Equivalents	194	132	183	75	75	66	61	32	47	45	364	100	41	127	124
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	10	20	20	15	15	69	69	107	142	168	154	152	156	259	178
Enterprise Value	-46	21	-15	88	75	179	224	288	280	349	-25	256	294	208	138
Total Capital	130	148	158	161	168	230	238	280	325	359	354	360	372	471	385
Total Debt/Capital (%)	7.72	13.48	12.7	9.32	8.91	29.98	28.98	38.27	43.77	46.84	43.5	42.14	42.05	55.05	46.26
Total Debt / EV	-0.22	0.95	-1.35	0.17	0.2	0.38	0.31	0.37	0.51	0.48	-6.09	0.59	0.53	1.25	1.29
EV/Sales	- -	0.37	- -	1.5	1.28	2.92	3.6	4.6	4.45	5.26	- -	4.24	4.93	4.61	4.03
EV/EBITDA	- -	18.73	- -	77.18	53.91	138.47	196.72	254.9	223.11	88.76	- -	60.7	71.27	53.13	31.47
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	1.05	- -	5.07	5.31	10.49	11.94	13.75	12.95	15.63	- -	20.46	17.65	25.18	- -
EV/Free Cash Flow to Firm	- -	0.99	- -	4.51	4.97	10.13	11.59	12.26	12.73	15.14	- -	19.89	13.76	23.25	- -
Diluted Market Cap	139	135	149	150	136	180	222	222	191	238	189	206	200	96	84
Diluted Enterprise Value	-45	23	-13	90	76	183	229	297	286	361	-21	257	316	229	138
EV per Share	- -	1.95	- -	9.04	8.13	19.78	24.64	31.03	30.37	37.95	- -	28.29	33.18	24.07	16.05
TTM Sales	48	57	58	59	59	61	62	63	63	66	64	60	60	45	34
TTM EBITDA	1	1	1	1	1	1	1	1	1	4	5	4	4	4	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	20	18	17	14	17	19	21	22	22	21	13	17	8	-7
TTM Free Cash Flow to Firm	13	21	18	19	15	18	19	23	22	23	23	13	21	9	-6

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	10.52	6.37	8.15	7.71	9.06	10.17	11.46	9.44	8.69	10.31	8.3	15.95	9.38	10.73	-13.02
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-46	21	-15	88	75	179	224	288	280	349	-25	256	294	208	138
Low Price	16.46	18.62	19.74	21.05	19.56	21.11	24.87	28.12	24.96	25.78	19.23	23.18	17.93	6.85	6.92
EV/Sales	- -	0.37	- -	1.5	1.28	2.92	3.6	4.6	4.45	5.26	- -	4.24	4.93	4.61	4.03
EV/EBITDA	- -	18.73	- -	77.18	53.91	138.47	196.72	254.9	223.11	88.76	- -	60.7	71.27	53.13	31.47
Price/Earnings	12.56	10.4	9.97	10.12	9.57	11.96	13.23	14.4	9.76	10.65	10.09	11.73	12.33	18.98	- -
Price/Earnings Average	11.61	10.32	9.52	9.87	9.22	10.52	10.95	14.25	10.92	9.54	9.89	11.65	11.15	23.07	-18.66
Price/Earnings High	21.8	17.94	16.6	16.16	15.16	18.11	18.53	21.07	15.43	13.57	15.36	15.61	14.26	43.81	-23.31
Price/Earnings Low	16.9	15.69	13.45	13.96	12.78	12.99	13.83	17.43	11.98	10.78	9.44	12.05	9.84	11.77	-13.86
Price/Book Value	1.16	1.04	1.08	1.02	0.88	1.09	1.28	1.25	1.03	1.23	0.94	0.98	0.92	0.45	0.41
Price/Book Value Average	1.07	1.03	1.03	0.99	0.85	0.96	1.06	1.23	1.15	1.1	0.92	0.98	0.84	0.55	0.39
Price/Book Value High	2.01	1.79	1.79	1.62	1.39	1.66	1.79	1.82	1.62	1.56	1.43	1.31	1.07	1.04	0.48
Price/Book Value Low	1.56	1.56	1.45	1.4	1.17	1.19	1.34	1.51	1.26	1.24	0.88	1.01	0.74	0.28	0.29
Price/Tangible Book Value	0.61	0.62	0.68	0.7	0.62	0.8	0.94	0.92	0.8	0.96	0.75	0.8	0.78	0.38	0.34
Price/Tangible Book Value Average	0.56	0.62	0.65	0.68	0.6	0.71	0.78	0.91	0.89	0.86	0.74	0.79	0.7	0.46	0.32
Price/Tangible Book Value High	1.06	1.07	1.12	1.12	0.99	1.22	1.32	1.34	1.26	1.22	1.15	1.06	0.9	0.88	0.4
Price/Tangible Book Value Low	0.82	0.94	0.91	0.96	0.83	0.87	0.98	1.11	0.98	0.97	0.71	0.82	0.62	0.24	0.24
Price/Sales	2.86	2.35	2.55	2.53	2.3	2.87	3.47	3.44	2.98	3.53	2.92	3.38	3.34	2.12	2.44
Price/Sales Average	2.65	2.33	2.44	2.47	2.21	2.52	2.87	3.41	3.33	3.16	2.86	3.36	3.02	2.57	2.34
Price/Sales High	4.97	4.06	4.25	4.04	3.64	4.34	4.86	5.04	4.71	4.5	4.44	4.5	3.86	4.88	2.92
Price/Sales Low	3.85	3.55	3.44	3.49	3.07	3.11	3.63	4.17	3.66	3.57	2.73	3.47	2.66	1.31	1.74
Price/Cash Flow	12.36	6.64	8.42	8.55	9.57	10.31	11.53	10.3	8.67	10.49	8.94	16.32	11.95	11.56	-11.2
Price/Cash Flow Average	11.43	6.59	8.04	8.34	9.22	9.07	9.54	10.19	9.71	9.4	8.77	16.22	10.81	14.05	-10.72
Price/Cash Flow High	21.46	11.46	14.01	13.66	15.16	15.61	16.14	15.07	13.71	13.37	13.62	21.73	13.82	26.67	-13.39
Price/Cash Flow Low	16.64	10.02	11.36	11.79	12.78	11.19	12.05	12.46	10.64	10.62	8.37	16.77	9.54	7.16	-7.96
Price/Free Cash Flow Average	9.73	6.33	7.79	7.52	8.72	8.94	9.48	9.33	9.73	9.23	8.14	15.85	8.48	13.04	-12.47
Price/Free Cash Flow High	18.27	11	13.57	12.33	14.35	15.39	16.05	13.81	13.74	13.13	12.64	21.24	10.84	24.76	-15.58
Price/Free Cash Flow Low	14.17	9.62	11	10.64	12.1	11.04	11.98	11.42	10.67	10.43	7.77	16.39	7.48	6.65	-9.26
EV/Sales Average	- -	0.36	- -	1.44	1.19	2.57	3	4.61	4.85	5.02	- -	4.22	4.96	5.51	3.93
EV/Sales High	1.16	2.08	1.44	3.01	2.62	4.39	4.99	6.24	6.22	6.36	1.19	5.36	5.8	7.82	4.51
EV/Sales Low	0.04	1.57	0.63	2.46	2.05	3.17	3.75	5.37	5.17	5.43	- -	4.33	4.6	4.25	3.32
EV/EBITDA Average	-55.8	17.87	-18.9	73.95	50.31	122.1	163.92	255.36	243.04	84.75	-5.64	60.4	71.7	63.54	30.65
EV/EBITDA High	55.39	104.55	73.39	155	110.62	208.48	272.8	345.81	311.98	107.28	16.93	76.75	83.86	90.18	35.21
EV/EBITDA Low	1.92	78.95	32.38	126.59	86.48	150.16	205.34	297.51	259.16	91.68	-7.47	62.03	66.56	49.02	25.96
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.23	12.34	14.63	15.26	14.65	19.44	23.79	23.24	20.33	25.47	20.54	22.56	22.47	11.05	9.73
High Price	21.23	21.29	24.35	24.38	23.2	29.44	33.32	34	32.15	32.45	31.28	30.04	25.98	25.5	11.64
Enterprise Value Average	-56	20	-21	84	70	158	187	288	305	333	-25	255	296	249	135
Enterprise Value High	56	118	83	176	154	270	311	390	392	422	76	324	346	353	155
Enterprise Value Low	2	89	37	144	120	195	234	336	325	360	-34	262	275	192	114

Shares Outstanding	12	11	11	10	10	10	10	10	10	10	10	9	9	8	8
Diluted Weighted Avg Shares	11	11	10	10	9	9	9	10	9	9	9	9	9	9	9
Basic Weighted Avg Shares	11	11	10	10	9	9	9	9	9	9	9	9	9	9	9
Revenue per Share	4.28	5.25	5.73	6.04	6.37	6.78	6.85	6.75	6.83	7.22	7.04	6.68	6.73	5.22	3.98
EBITDA per Share	0.09	0.1	0.11	0.12	0.15	0.14	0.13	0.12	0.14	0.43	0.49	0.47	0.47	0.45	0.51
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.97	1.19	1.47	1.51	1.53	1.63	1.8	1.61	2.08	2.39	2.04	1.92	1.82	0.58	-0.5
Basic EPS from Cont Ops	0.97	1.19	1.47	1.51	1.53	1.63	1.8	1.61	2.08	2.39	2.04	1.92	1.82	0.58	-0.5
Diluted EPS, GAAP	0.97	1.17	1.45	1.49	1.51	1.59	1.76	1.57	2.04	2.36	2.02	1.91	1.81	0.58	-0.5
Diluted EPS from Cont Ops	0.97	1.17	1.45	1.49	1.51	1.59	1.76	1.57	2.04	2.36	2.02	1.91	1.81	0.58	-0.5
Dividend per Share	0.24	0.36	0.57	0.64	0.72	0.77	0.92	1.2	1.14	1.49	0.92	1.13	1.02	0.74	0.08
Cash Flow per Share	0.99	1.86	1.74	1.79	1.53	1.89	2.06	2.26	2.35	2.43	2.3	1.38	1.88	0.96	-0.87
Free Cash Flow per Basic Share	0.81	1.75	1.66	1.56	1.42	1.82	2	1.98	2.31	2.35	2.1	1.34	1.35	0.88	-0.99
Cash & Equivalents per Share	17.17	12.24	18.08	7.76	8.15	7.27	6.74	3.77	5.38	5.81	40.18	11.02	6.92	17	14.35
Book Value per Share	10.56	11.91	13.6	15.03	16.65	17.76	18.59	18.64	19.82	20.76	21.91	23	24.3	24.52	24.01
Tangible Book Value per Share	20.08	19.85	21.65	21.84	23.49	24.21	25.27	25.32	25.5	26.52	27.22	28.29	28.94	29.07	28.84

Territorial Bancorp Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)