Comparing Bluegreen Vacations (OTCMKTS:BVHBB) and Territorial Bancorp (NASDAQ:TBNK)

Territorial Bancorp (NASDAQ:TBNKGet Free Report) and Bluegreen Vacations (OTCMKTS:BVHBBGet Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, analyst recommendations, dividends, valuation, profitability and institutional ownership.

Dividends

Territorial Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.1%. Bluegreen Vacations pays an annual dividend of $0.80 per share and has a dividend yield of 1.1%. Territorial Bancorp pays out 35.1% of its earnings in the form of a dividend. Bluegreen Vacations pays out 21.6% 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 0.71, suggesting that its share price is 29% less volatile than the S&P 500. Comparatively, Bluegreen Vacations has a beta of 1.65, suggesting that its share price is 65% more volatile than the S&P 500.

Profitability

This table compares Territorial Bancorp and Bluegreen Vacations’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Territorial Bancorp 7.03% 2.00% 0.23%
Bluegreen Vacations 6.26% 24.03% 4.46%

Valuation and Earnings

This table compares Territorial Bancorp and Bluegreen Vacations’ top-line 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 1.15 $5.03 million $0.57 16.33
Bluegreen Vacations $919.43 million 1.33 $64.39 million $3.71 19.41

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

Analyst Recommendations

This is a breakdown of current recommendations for Territorial Bancorp and Bluegreen Vacations, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Territorial Bancorp 1 1 0 0 1.50
Bluegreen Vacations 0 0 0 0 N/A

Territorial Bancorp presently has a consensus price target of $7.50, indicating a potential downside of 19.44%. Given Territorial Bancorp’s higher probable upside, analysts plainly believe Territorial Bancorp is more favorable than Bluegreen Vacations.

Institutional & Insider Ownership

43.1% of Territorial Bancorp shares are owned by institutional investors. 8.5% of Territorial Bancorp shares are owned by company insiders. Comparatively, 88.2% of Bluegreen Vacations shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

Bluegreen Vacations beats Territorial Bancorp on 10 of the 14 factors compared between the two stocks.

About Territorial Bancorp

(Get Free Report)

Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that provides various financial services to individuals, families, and businesses in the State of Hawaii. It 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, which comprise annuities and mutual funds through a third-party broker-dealer. The company was founded in 1921 and is headquartered in Honolulu, Hawaii.

About Bluegreen Vacations

(Get Free Report)

Bluegreen Vacations Holding Corporation operates as a vacation ownership company. The company markets and sells vacation ownership interests (VOI); and manages resorts in leisure and urban destinations, including Orlando, Las Vegas, Myrtle Beach, Charleston and New Orleans, and others. It also provides resort management, mortgage, title, reservation, and construction design and development services; and financing to qualified VOI purchasers, as well as management services to the vacation club and homeowners' associations. The company was founded in 1966 and is headquartered in Boca Raton, Florida.

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