Territorial Bancorp (NASDAQ:TBNK) vs. Mid-Southern Bancorp (NASDAQ:MSVB) Head to Head Survey

Territorial Bancorp (NASDAQ:TBNK) and Mid-Southern Bancorp (NASDAQ:MSVB) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, institutional ownership, dividends, risk, earnings, analyst recommendations and profitability.

Profitability

This table compares Territorial Bancorp and Mid-Southern Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Territorial Bancorp	-0.06%	-0.02%	N/A
Mid-Southern Bancorp	9.17%	3.18%	0.42%

Insider & Institutional Ownership

50.4% of Territorial Bancorp shares are owned by institutional investors. Comparatively, 10.1% of Mid-Southern Bancorp shares are owned by institutional investors. 9.0% of Territorial Bancorp shares are owned by insiders. Comparatively, 10.2% of Mid-Southern Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Territorial Bancorp and Mid-Southern Bancorp’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Territorial Bancorp	$71.56 million	1.19	$5.03 million	$0.25	38.52
Mid-Southern Bancorp	$8.88 million	4.66	$1.46 million	$0.40	35.88

Territorial Bancorp has higher revenue and earnings than Mid-Southern Bancorp. Mid-Southern Bancorp is trading at a lower price-to-earnings ratio than Territorial Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of recent ratings for Territorial Bancorp and Mid-Southern Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Territorial Bancorp	0	2	0	0	2.00
Mid-Southern Bancorp	0	0	0	0	N/A

Territorial Bancorp currently has a consensus target price of $9.89, indicating a potential upside of 2.65%. Given Territorial Bancorp’s higher probable upside, analysts clearly believe Territorial Bancorp is more favorable than Mid-Southern Bancorp.

Dividends

Territorial Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.4%. Mid-Southern Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.7%. Territorial Bancorp pays out 16.0% of its earnings in the form of a dividend. Mid-Southern Bancorp pays out 60.0% 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.

Risk and Volatility

Territorial Bancorp has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500. Comparatively, Mid-Southern Bancorp has a beta of 0.18, meaning that its stock price is 82% less volatile than the S&P 500.

About Territorial Bancorp

Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that engages in the provision of various financial services to individuals, families, and businesses in the State of Hawaii. The company offers a range of deposit accounts, including passbook and statement savings, money market, commercial and regular checking, and Super NOW accounts, as well as certificates of deposit. It also provides various loan products, such as one-to four-family residential mortgage loans; home equity loans; consumer loans; and multi-family mortgage, commercial business, construction, commercial real estate, and other nonresidential real estate loans, as well as lines of credit and investment securities. In addition, the company is involved in the insurance agency activities. Further, it provides various non-deposit investments comprising annuities and mutual funds through a third-party broker-dealer. The company was founded in 1921 and is headquartered in Honolulu, Hawaii.

About Mid-Southern Bancorp

Mid-Southern Bancorp, Inc. operates as the holding company for Mid-Southern Savings Bank, FSB that provides various banking products and services to individuals and business customers. It accepts various deposit products, including checking, savings, money market, and demand accounts, as well as certificates of deposit and term deposits. The company also offers loans secured by first mortgages on one- to four-family residences, including home equity loans and lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences; commercial and multifamily real estate loans; land and lot loans; commercial business loans; consumer loans, including new and used manufactured homes, automobiles and truck, boats, and motorcycles and recreational vehicle loans; loans secured by savings deposits and other personal loans; and unsecured consumer loans. In addition, it holds and manages an investment securities portfolio. The company provides its products and services through its main office in Salem; and through its branch offices located in Mitchell and Orleans, Indiana, as well as through loan production offices located in New Albany, Indiana and Louisville, Kentucky. The company was founded in 1886 and is headquartered in Salem, Indiana.