Saturday 17 October 2026 Export TOWN’s income statement to Excel — free account

Towne Bank

Towne Bank’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 9.09% from fiscal 2024. In the quarter to June 2026, revenue grew 85.3%, EPS grew 303.9%, free cash flow grew 9.18% and total debt rose 889.7%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

35.48 0.20 +0.57%

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Market cap: $3.3B
P/E: 9.9×
Fwd P/E: 8.3×
Dividend yield: 3.10%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 0.85%

Capital & Financial Ratios $m

Market Cap 3,260.00

Revenue 1,429.32

Net Income 320.18

Free Cash Flow 132.42

Net Debt (1,688.42)

Current Ratio 0.90

Debt/Equity 0.04

P/E ratio 9.91

Fwd P/E 8.29

P/S ratio 2.29

P/B ratio 1.09

Past 5Y EPS Growth 1.92%

This Y EPS Growth 3.97%

Next Y EPS Growth 11.94%

Next Y revenue growth 18.36%

Next 5Y EPS Growth 6.76%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 8.00%

10-year low 10-year high

P/S against its own 10 years 18.21%

10-year low 10-year high

P/B against its own 10 years 28.27%

10-year low 10-year high

Dividends

Payout Ratio 0.31

Annual Dividend Rate 1.10

Annual Dividend Yield 3.10%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	2.37	0.27 0.70 0.28 0.28
2025	1.41	0.25 0.27 0.27 0.27
2024	1.00	0.25 0.25 0.25 0.25
2023	0.98	0.23 0.25 0.25 0.25
2022	0.89	0.20 0.23 0.23 0.23
2021	0.78	0.18 0.20 0.20 0.20
2020	0.72	0.18 0.18 0.18 0.18
2019	0.70	0.16 0.18 0.18 0.18
2018	0.62	0.14 0.16 0.16 0.16
2017	0.69	0.13 0.14 0.14 0.14 0.14
2016	0.51	0.12 0.13 0.13 0.13

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	1,128	1,339	1,351	1,815
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	12,481	12,875	14,694	17,095

	2023	2024	2025	Q'26
Payables	13,893	14,437	16,509	18,713
ST’ Debt	—	—	—	—
Other	256	260	284	284
	14,182	14,731	16,828	19,037

Compound Annual Growth %

	10y	5y	3y
Sales	12.98%	8.48%	14.58%
Cash Flow	12.42%	15.38%	(14.31%)
Earnings	10.52%	3.10%	(3.56%)
Book Value	11.47%	6.37%	8.75%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	324	520	—	—	—
’25	252	281	287	299	1,118
’24	251	261	259	255	1,025
’23	224	243	243	231	941
’22	175	178	193	198	744
’21	195	178	179	169	721
’20	162	184	211	187	744

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	40	(31)	—	—	—
’25	122	(31)	53	117	261
’24	38	25	(26)	100	138
’23	(21)	34	104	41	159
’22	161	90	86	78	416
’21	73	94	241	111	519
’20	3	(92)	14	203	128

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	27	(38)	—	—	—
’25	112	(42)	41	102	213
’24	29	22	(56)	91	85
’23	(34)	25	91	36	118
’22	149	74	77	64	364
’21	67	86	231	107	491
’20	(6)	(117)	10	195	83

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.45	2.09	—	—	—
’25	0.67	0.51	0.51	0.51	2.21
’24	0.46	0.57	0.57	0.55	2.15
’23	0.52	0.56	0.60	0.39	2.06
’22	0.63	0.64	0.69	0.64	2.60
’21	0.95	0.77	0.69	0.55	2.97
’20	0.36	0.48	0.48	0.69	2.01

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.50	28.55	22.88	23.32	15.03	21.76	26.18	21.22	25.70	29.43	Analyst estimates 2026–2028 Powerpack
	High	34.55	35.30	33.85	29.02	28.21	34.32	34.79	31.76	38.28	38.01
People
People	Employees	2,120	2,313	2,410	2,446	2,490	2,617	2,766	2,784	2,720	—
	Revenue/emp, $m	0.19	0.21	0.25	0.28	0.30	0.28	0.27	0.34	0.38	0.00
Income, $m
Income, $m	Revenue	410	493	613	673	744	721	744	941	1,025	1,118
	Gross margin, %	91.28	91.08	86.84	83.74	89.25	94.31	92.39	73.70	67.62	74.73
	EBT	101	148	172	176	201	280	237	186	190	210
	EBT margin, %	24.62	29.93	28.04	26.18	27.05	38.79	31.88	19.72	18.52	18.80
	Net income	72	93	138	144	169	225	190	155	162	171
	Depreciation	23	27	32	33	35	40	42	42	39	39
Per share, $
Per share, $	Revenue	7.21	7.93	8.62	9.34	10.30	9.95	10.25	12.60	13.68	14.64
	Earnings	1.18	1.41	1.88	1.92	2.01	2.97	2.60	2.06	2.16	2.22
	Cash flow	3.25	2.27	4.46	0.14	1.77	7.16	5.73	2.13	1.84	3.42
	Capex	(0.27)	(0.21)	(0.28)	(0.50)	(0.63)	(0.38)	(0.71)	(0.55)	(0.70)	(0.63)
	Free cash flow	2.98	2.06	4.18	(0.36)	1.14	6.78	5.02	1.59	1.14	2.79
	Book value	19.12	18.38	21.62	22.95	24.67	26.44	26.03	27.54	28.65	31.79
	Shares, m	57	62	71	72	72	72	73	75	75	76
Valuation, ×
Valuation, ×	P/E	28.21	21.67	12.81	14.41	11.62	10.64	11.76	14.38	15.84	15.03
	P/S	4.58	3.85	2.78	2.98	2.28	3.17	2.98	2.36	2.49	2.28
	P/B	1.73	1.66	1.11	1.21	0.95	1.19	1.17	1.08	1.19	1.05
	EV/Sales	5.92	3.86	2.96	3.02	0.39	(1.18)	1.47	1.38	1.19	1.12
	EV/FCF	14.32	14.85	6.11	(78.97)	3.50	(1.73)	3.01	10.96	14.24	5.87
Cash, $m
Cash, $m	Operating cash flow	185	141	318	10	128	519	416	159	138	261
	Capex	(15)	(13)	(20)	(36)	(45)	(28)	(52)	(41)	(52)	(48)
	Free cash flow	169	128	297	(26)	83	491	364	118	85	213
Balance, $m
Balance, $m	Working capital	148	16	208	(349)	(159)	(845)	(1,644)	(1,701)	(1,856)	(2,134)
	Total debt	688	527	799	472	456	155	30	204	3	52
	Net debt	551	6	113	29	(1,408)	(3,141)	(1,123)	(924)	(1,336)	(1,298)
	Shareholders’ equity	1,087	1,143	1,538	1,654	1,784	1,916	1,889	2,056	2,147	2,429
Returns, %
Returns, %	ROA	0.94	1.06	1.36	1.20	1.10	1.39	1.17	0.94	0.95	0.92
	ROIC	3.85	8.03	6.51	6.55	33.50	0.00	19.35	10.25	14.64	11.62
	ROE	7.05	7.87	9.98	8.70	8.47	11.64	9.93	7.77	7.68	7.41

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
NIC Nicolet Bankshares Inc.	$3.5B	18.2×	14.1×	+71.53% (above 0%: growing)	+11.67% (above 0%: growing)	+139.43% (above 0%: growing)	74.94%	0.00%	Compare
FIBK First Interstate BancSystem, Inc.	$3.3B	10.7×	13.4×	−1.86% (below 0%: shrinking)	+26.09% (above 0%: growing)	−12.42% (below 0%: shrinking)	79.42%	0.00%	Compare
MCHB Mechanics Bancorp	$3.3B	11.6×	14.9×	+32.34% (above 0%: growing)	+18.88% (above 0%: growing)	−31.39% (below 0%: shrinking)	76.78%	0.00%	Compare
FFBC First Financial Bancorp.	$3.3B	11.0×	9.7×	+12.98% (above 0%: growing)	0.00%	−101.00% (below 0%: shrinking)	74.47%	0.00%	Compare
TOWN Towne Bank	$3.3B	9.9×	8.3×	+85.30% (above 0%: growing)	+303.85% (above 0%: growing)	+9.18% (above 0%: growing)	85.47%	0.00%
PRK Park National Corporation	$3.2B	15.9×	14.7×	+25.60% (above 0%: growing)	+9.06% (above 0%: growing)	+4.77% (above 0%: growing)	84.20%	0.00%	Compare
SFNC Simmons First National Corporation	$3.2B	— (loss-making)	10.5×	−0.49% (below 0%: shrinking)	+6.98% (above 0%: growing)	+89.30% (above 0%: growing)	69.90%	0.00%	Compare
CBU Community Financial System, Inc.	$3.1B	14.0×	13.3×	+8.48% (above 0%: growing)	+19.59% (above 0%: growing)	+15.96% (above 0%: growing)	83.15%	0.00%	Compare
SBCF Seacoast Banking Corporation of Florida	$3.1B	20.5×	14.1×	+30.05% (above 0%: growing)	+10.00% (above 0%: growing)	−19.23% (below 0%: shrinking)	73.47%	0.00%	Compare
Median of peers	$3.3B	14.0×	13.8×	+19.29%	+10.84%	−3.83%	75.86%	0.00%

All 323 Banks Regional stocks →

Towne Bank (TOWN) key facts

Strength: Towne Bank’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 9.09% from fiscal 2024.
Towne Bank (TOWN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, TOWN traded at $35.48, a market capitalization of $3.3 billion.
Towne Bank pays an annual dividend of $1.10 per share, a yield of 3.10%, with a payout ratio of 30.9%.
Return on equity was 7.41% and debt-to-equity 0.04.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.