Pricing Log in Create free account
Friday 6 November 2026 Export TOWN’s income statement to Excel — free account

Towne Bank

TOWN Financial Banks Regional

Towne Bank’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 9.09% from fiscal 2024.

Revenue
+85.3%
EPS
+303.9%
Free cash flow
+9.18%
Total debt
+889.7%

Quarter to June 2026, against a year earlier

36.60 0.74 −1.98%
Market cap
$3.4B
P/E
10.2×
Fwd P/E
8.6×
Dividend yield
3.01%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.85%

Capital & Financial Ratios $m

Size
Market Cap 3,390.00
Revenue ttm 1,429.32
Net income ttm 320.18
Free cash flow ttm 132.42
Net debt Q (1,688.42)
Valuation
P/E 10.22
Forward P/E 8.63
Price / sales 2.36
Forward P/S Powerpack
Price / FCF 25.47
Price / book 1.12
Financial health
Current ratio Q 0.90
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q +85.30% (above 0%: growing)
Operating income growth Q +378.51% (above 0%: growing)
EPS, this year +5.79%
EPS, next year A +7.28%
Revenue, next year A +19.94% (at or above 10%: strong)
EPS, past 5 yrs +1.92%
EPS, next 5 yrs A +7.21%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 12.94%
10-year low 10-year high
P/S against its own 10 years 22.52%
10-year low 10-year high
P/B against its own 10 years 34.87%
10-year low 10-year high

Dividends raised 7 years running

Yield
3.01%
Annual rate
1.10
Payout ratio
30.9%
Growth, 2017–25
+5.51%/yr
  1. 0.69 ’17
  2. 0.62 ’18 −10
  3. 0.70 ’19 +13
  4. 0.72 ’20 +3
  5. 0.78 ’21 +8
  6. 0.89 ’22 +14
  7. 0.98 ’23 +10
  8. 1.00 ’24 +2
  9. 1.06 ’25 +6
  10. 2.41 ’26e +127
paid forecast change on the year, % Powerpack

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%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 0.82 Actual 0.91

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 0.72 0.70 Miss by 0.02
Mar 2026 0.74 0.74 Met by 0.00
Jun 2026 0.76 0.78 Beat by 0.02
Sep 2026 0.82 0.91 Beat by 0.09
Dec 2026 0.80 — Reports 27 January 2027

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 410 493 613 673 744 721 744 941 1,025 1,118 1,429 +11.8% 1,341 1,419 1,341 +6.2%
Gross margin, % 91.28 91.08 86.84 83.74 89.25 94.31 92.39 73.70 67.62 74.73 79.29 (16.5) pt
EBT 101 148 172 176 201 280 237 186 190 210 411 +8.5%
EBT margin, % 24.62 29.93 28.04 26.18 27.05 38.79 31.88 19.72 18.52 18.80 28.75 (5.8) pt
Net income 72 93 138 144 169 225 190 155 162 171 320 +10.0%
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 15.51 +8.2%
Earnings 1.18 1.41 1.88 1.92 2.01 2.97 2.60 2.06 2.16 2.22 3.58 +7.3%
Cash flow 3.25 2.27 4.46 0.14 1.77 7.16 5.73 2.13 1.84 3.42 1.95 +0.6%
Capex (0.27) (0.21) (0.28) (0.50) (0.63) (0.38) (0.71) (0.55) (0.70) (0.63) (0.52) +10.1%
Free cash flow 2.98 2.06 4.18 (0.36) 1.14 6.78 5.02 1.59 1.14 2.79 1.44 (0.7%)
Book value 19.12 18.38 21.62 22.95 24.67 26.44 26.03 27.54 28.65 31.79 32.57 +5.8%
Shares, m 57 62 71 72 72 72 73 75 75 76 84 +3.3%
Valuation, ×
Valuation, × P/E 28.21 21.67 12.81 14.41 11.62 10.64 11.76 14.38 15.84 15.03 10.22 15.6
P/S 4.58 3.85 2.78 2.98 2.28 3.17 2.98 2.36 2.49 2.28 2.36 3.0
P/B 1.73 1.66 1.11 1.21 0.95 1.19 1.17 1.08 1.19 1.05 1.12 1.2
EV/Sales 5.92 3.86 2.96 3.02 0.39 (1.18) 1.47 1.38 1.19 1.12 — 2.0
EV/FCF 14.32 14.85 6.11 (78.97) 3.50 (1.73) 3.01 10.96 14.24 5.87 — (0.8)
Cash, $m
Cash, $m Operating cash flow 185 141 318 10 128 519 416 159 138 261 180 +3.9%
Capex (15) (13) (20) (36) (45) (28) (52) (41) (52) (48) (48) +13.8%
Free cash flow 169 128 297 (26) 83 491 364 118 85 213 132 +2.6%
Balance, $m
Balance, $m Working capital 148 16 208 (349) (159) (845) (1,644) (1,701) (1,856) (2,134) (1,942) n/m
Net debt 551 6 113 29 (1,408) (3,141) (1,123) (924) (1,336) (1,298) (1,688) n/m
Shareholders’ equity 1,087 1,143 1,538 1,654 1,784 1,916 1,889 2,056 2,147 2,429 3,002 +9.4%
Returns, %
Returns, % ROA 0.94 1.06 1.36 1.20 1.10 1.39 1.17 0.94 0.95 0.92 1.56 0.0 pt
ROIC 3.85 8.03 6.51 6.55 33.50 0.00 19.35 10.25 14.64 11.62 19.56 +7.8 pt
ROE 7.05 7.87 9.98 8.70 8.47 11.64 9.93 7.77 7.68 7.41 12.18 +0.4 pt
People
People Employees 2,120 2,313 2,410 2,446 2,490 2,617 2,766 2,784 2,720 — — +3.2%
Revenue/emp, $m 0.19 0.21 0.25 0.28 0.30 0.28 0.27 0.34 0.38 0.00 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Towne Bank vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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. $3.6B 18.7× 17.7× +61.55% (above 0%: growing) +8.19% (above 0%: growing) +40.19% (above 0%: growing) 75.01% 0.00% Compare
FIBK First Interstate BancSystem, Inc. $3.5B 11.8× 13.4× −5.93% (below 0%: shrinking) −4.35% (below 0%: shrinking) +22.30% (above 0%: growing) 79.01% 0.00% Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00%
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00% Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
Median of peers $3.4B 13.8× 14.1× +27.03% +8.19% +10.36% 75.90% 0.00%

All 327 Banks Regional stocks →

Towne Bank (TOWN) Latest News

28 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

18 Oct

Impact 3 · · Simply Wall St.

8 Oct

Impact 4 · · bankingdive.com

7 Oct

Impact 4 · · americanbanker.com

6 Oct

Impact 4 · · InvestorsHub
Impact 4 · · GlobeNewswire

25 Sep

Impact 3 · · GuruFocus.com

22 Jul

Impact 3 ·

8 Jul

Impact 3 ·

16 Jun

Impact 3 ·

6 May

Impact 3 · · The Motley Fool

23 Apr

Impact 3 · · GlobeNewswire

22 Apr

Impact 4 · · GlobeNewswire

6 Apr

Impact 3 · · GlobeNewswire

3 Feb

Impact 3 · · Simply Wall St.

2 Feb

Impact 3 · · GlobeNewswire

28 Jan

Impact 4 · · GlobeNewswire
Impact 3 · · ZacksZacks
Impact 3 · · Associated Press Finance
Impact 3 · · Simply Wall St.

23 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Investor's Business Daily

22 Jan

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

12 Jan

Impact 4 · · GlobeNewswire

9 Jan

Impact 3 · · Simply Wall St.

TOWN metrics, ten years each

stockrow.com/TOWN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com