Towne Bank TOWN
- Market cap
- $3.4B
- P/E
- 10.2×
Follow TOWN
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
Low Price
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| 34.55 | 35.30 | 33.85 | 29.02 | 28.21 | 34.32 | 34.79 | 31.76 | 38.28 | 38.01 |
High Price
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| 2,120 | 2,313 | 2,410 | 2,446 | 2,490 | 2,617 | 2,766 | 2,784 | 2,720 | — |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
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| 410 | 493 | 613 | 673 | 744 | 721 | 744 | 941 | 1,025 | 1,118 |
Revenue
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| 91.28% | 91.08% | 86.84% | 83.74% | 89.25% | 94.31% | 92.39% | 73.70% | 67.62% | 74.73% |
Gross Margin
|
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| 101 | 148 | 172 | 176 | 201 | 280 | 237 | 186 | 190 | 210 |
EBT
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| 24.62% | 29.93% | 28.04% | 26.18% | 27.05% | 38.79% | 31.88% | 19.72% | 18.52% | 18.80% |
EBT Margin
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| 72 | 93 | 138 | 144 | 169 | 225 | 190 | 155 | 162 | 171 |
Net Income
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| 23 | 27 | 32 | 33 | 35 | 40 | 42 | 42 | 39 | 39 |
Depreciation
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| 7.21 | 7.93 | 8.62 | 9.34 | 10.30 | 9.95 | 10.25 | 12.60 | 13.68 | 14.64 |
Revenue/Sh
|
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| 1.18 | 1.41 | 1.88 | 1.92 | 2.01 | 2.97 | 2.60 | 2.06 | 2.16 | 2.22 |
Earnings/Sh
|
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| 3.25 | 2.27 | 4.46 | 0.14 | 1.77 | 7.16 | 5.73 | 2.13 | 1.84 | 3.42 |
Cash Flow/Sh
|
|||
| (0.27) | (0.21) | (0.28) | (0.50) | (0.63) | (0.38) | (0.71) | (0.55) | (0.70) | (0.63) |
Capex/Sh
|
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| 2.98 | 2.06 | 4.18 | (0.36) | 1.14 | 6.78 | 5.02 | 1.59 | 1.14 | 2.79 |
Free CF/Sh
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| 19.12 | 18.38 | 21.62 | 22.95 | 24.67 | 26.44 | 26.03 | 27.54 | 28.65 | 31.79 |
Book Value/Sh
|
|||
| 57 | 62 | 71 | 72 | 72 | 72 | 73 | 75 | 75 | 76 |
Shares
|
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| 28.21 | 21.67 | 12.81 | 14.41 | 11.62 | 10.64 | 11.76 | 14.38 | 15.84 | 15.03 |
PE Ratio
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| 4.58 | 3.85 | 2.78 | 2.98 | 2.28 | 3.17 | 2.98 | 2.36 | 2.49 | 2.28 |
PS Ratio
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| 1.73 | 1.66 | 1.11 | 1.21 | 0.95 | 1.19 | 1.17 | 1.08 | 1.19 | 1.05 |
PB Ratio
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| 5.92 | 3.86 | 2.96 | 3.02 | 0.39 | (1.18) | 1.47 | 1.38 | 1.19 | 1.12 |
EV/Sales
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| 14.32 | 14.85 | 6.11 | (78.97) | 3.50 | (1.73) | 3.01 | 10.96 | 14.24 | 5.87 |
EV/FCF
|
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| 185 | 141 | 318 | 10 | 128 | 519 | 416 | 159 | 138 | 261 |
Op' Cash Flow
|
|||
| (15) | (13) | (20) | (36) | (45) | (28) | (52) | (41) | (52) | (48) |
Capex
|
|||
| 169 | 128 | 297 | (26) | 83 | 491 | 364 | 118 | 85 | 213 |
FCF
|
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| 148 | 16 | 208 | (349) | (159) | (845) | (1,644) | (1,701) | (1,856) | (2,134) |
Working Cap'
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| 688 | 527 | 799 | 472 | 456 | 155 | 30 | 204 | 3 | 52 |
Total Debt
|
|||
| 551 | 6 | 113 | 29 | (1,408) | (3,141) | (1,123) | (924) | (1,336) | (1,298) |
Net Debt
|
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| 1,087 | 1,143 | 1,538 | 1,654 | 1,784 | 1,916 | 1,889 | 2,056 | 2,147 | 2,429 |
Sh' Equity
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| 0.94% | 1.06% | 1.36% | 1.20% | 1.10% | 1.39% | 1.17% | 0.94% | 0.95% | 0.92% |
ROA
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| 3.85% | 8.03% | 6.51% | 6.55% | 33.50% | 0.00% | 19.35% | 10.25% | 14.64% | 11.62% |
ROIC
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| 7.05% | 7.87% | 9.98% | 8.70% | 8.47% | 11.64% | 9.93% | 7.77% | 7.68% | 7.41% |
ROE
|
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Towne Bank peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| SFNC Simmons First National Corporation | $3.4B | 0.0× | Compare |
| FFBC First Financial Bancorp. | $3.3B | 11.3× | Compare |
| PRK Park National Corporation | $3.3B | 16.2× | Compare |
| FIBK First Interstate BancSystem, Inc. | $3.5B | 11.4× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| MCHB Mechanics Bancorp | $3.5B | 12.3× | Compare |
| NIC Nicolet Bankshares Inc. | $3.5B | 18.6× | Compare |
| CBU Community Financial System, Inc. | $3.2B | 14.3× | Compare |
| SBCF Seacoast Banking Corporation of Florida | $3.2B | 20.8× | Compare |
Towne Bank (TOWN) key facts
- Towne Bank (TOWN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Towne Bank’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 9.09% from fiscal 2024.
- As of September 25, 2026, TOWN traded at $36.36, a market capitalization of $3.4 billion.
- Towne Bank pays an annual dividend of $1.00 per share, a yield of 3.78%, with a payout ratio of 39.2%.
- Return on equity was 7.41% and debt-to-equity 0.04.
Towne Bank (TOWN) Latest News
25 Sep
Towne Bank (TOWN) declared a total dividend of $0.28 per share, with an ex-dividend date of 2026-09-25 and a cash payout on 2026-10-09. The Virginia–North Carolina community bank operates through Towne Bank, offering deposits, loans, mortgage banking, wealth management, insurance, and Towne Vacations. It has paid quarterly dividends since 2003 and has increased them annually since 2007, earning 19 consecutive years of dividend growth. Current trailing and forward yields are about 2.96% and 2.98%, respectively, with a 5-year yield-on-cost around 4.41%. The payout ratio stood at 0.26 as of 2026-06-30, signaling strong earnings retention. Growth metrics show 3-year revenue growth near 4.5% annually, 3-year EPS growth about 1.1%, and 5-year EBITDA growth near 0.9%, with profitability and growth ranks around 7/10. GuruFocus notes warning signs, tempering optimism on upside beyond steady income. Stable dividend history and favorable payout metrics support income value, but growth remains modest and caution signs limit upside.
22 Jul
TowneBank reported its second quarter 2026 earnings. Quarterly earnings releases deliver updated financial metrics that typically influence near-term stock valuation and investor sentiment.
8 Jul
TowneBank (TOWN) released Q4 earnings, triggering fresh buy, sell or hold analysis on the stock amid updated financial results and outlook. Post-Q4 earnings review and buy/sell/hold advice can shift near-term investor sentiment and trading in TOWN shares.
16 Jun
TowneBank Q4 earnings examined in comparison to other regional bank stocks. Q4 results and peer comparison can shift near-term investor sentiment on TowneBank performance.
6 May
Patriot Financial Partners has made a major investment in TowneBank (TOWN). Major investment signals investor confidence, likely influencing market sentiment and short-to-medium term stock performance without fundamentally altering core operations.
23 Apr
TowneBank announces a special cash dividend. Special cash dividend signals strong liquidity and rewards shareholders, moderately boosting short-term market sentiment and performance.
22 Apr
TowneBank reported first quarter 2026 earnings. Quarterly earnings announcements significantly impact financial performance metrics and investor sentiment for TowneBank.
6 Apr
TowneBank announces the sale of its Resort Property Management Segment. Divestiture of non-core resort management segment streamlines operations and refocuses on banking, moderately impacting financials and strategy.
3 Feb
Richard Cullen has joined the Board of Directors at Towne Bank (TOWN), a move that is expected to enhance the bank's strategic direction and governance. Cullen's extensive experience in law and business is anticipated to provide valuable insights and leadership as the bank navigates future challenges and opportunities in the financial sector. Cullen's appointment may positively influence Towne Bank's strategic direction and governance, but the overall impact on performance is expected to be limited.
2 Feb
Richard Cullen has been appointed to the Corporate Board of Directors at Towne Bank. Cullen brings extensive experience in law and business, having served as the chairman of the law firm McGuireWoods and held various leadership roles in community organizations. His addition to the board is expected to enhance Towne Bank's governance and strategic direction. Cullen's experience may moderately influence Towne Bank's governance and strategic initiatives.
28 Jan
Towne Bank reported its financial results for the full year and fourth quarter of 2025, highlighting key metrics such as revenue growth, net income, and asset quality improvements. The bank demonstrated resilience in a challenging economic environment, with increased loan demand and a focus on expanding its market presence. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. The financial results indicate significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.
Towne Bank (TOWN) reported its Q4 earnings, missing both earnings and revenue estimates. The bank's performance fell short of analysts' expectations, raising concerns about its financial health and future growth prospects. This disappointing report may impact investor sentiment and the bank's stock performance moving forward. Missing earnings and revenue estimates can moderately affect investor confidence and financial performance.
Towne Bank reported its Q4 earnings, showcasing a solid performance with increased revenues and net income compared to the previous quarter. The bank's loan portfolio grew, and it maintained a strong capital position. Management highlighted strategic initiatives aimed at enhancing customer experience and expanding market presence. Overall, the results reflect Towne Bank's resilience and commitment to growth despite economic challenges. The earnings report indicates moderate growth and strategic initiatives that may positively influence financial performance.
Towne Bank (TOWN) is identified as one of three stocks trading significantly below their intrinsic value, with estimates suggesting a potential undervaluation of up to 48.3%. This analysis highlights the bank's financial performance and market position, indicating a possible opportunity for investors seeking undervalued stocks. The identification of Towne Bank as undervalued suggests a moderately noticeable influence on its market performance.
23 Jan
Towne Bank (TOWN) is identified as potentially undervalued by up to 45.4% based on intrinsic value estimates. Analysts suggest that the bank's current market price does not reflect its true value, indicating a significant investment opportunity. The analysis highlights factors contributing to this undervaluation, including financial performance metrics and market conditions. The identification of significant undervaluation suggests a potential shift in investor sentiment and market dynamics for Towne Bank.
Live Oak Bancshares stock has seen a significant increase in its Relative Strength (RS) rating, jumping to 85. This improvement indicates a strong performance relative to other stocks in the market, suggesting positive momentum for the company. Investors may view this as a sign of potential growth and stability in the financial sector. The increase in RS rating suggests a moderately noticeable influence on market sentiment and performance.
22 Jan
Old National Bancorp is highlighted as one of three value stocks currently priced below their estimated worth, indicating potential investment opportunities. The analysis suggests that these stocks, including Towne Bank, may offer significant upside based on their financial fundamentals and market positioning. The identification of Towne Bank as a value stock suggests a moderately noticeable influence on its market performance.
Towne Bank (TOWN) is highlighted as a stock potentially trading below its estimated value in January 2026. Analysts suggest that the bank's fundamentals and market position may not be fully reflected in its current stock price, indicating a possible opportunity for investors. The article emphasizes the importance of evaluating financial metrics and market conditions to assess the bank's future performance. The potential undervaluation of Towne Bank suggests a moderately noticeable influence on its market performance.
12 Jan
Towne Bank has successfully completed its merger with Dogwood State Bank, a strategic move aimed at expanding its market presence and enhancing service offerings. The merger is expected to strengthen Towne Bank's financial position and operational capabilities, allowing for improved customer service and a broader range of financial products. This consolidation aligns with Towne Bank's growth strategy and commitment to delivering value to its stakeholders. The merger is a significant strategic move that is likely to enhance Towne Bank's competitive positioning and financial performance.
9 Jan
Towne Bank (TOWN) shares rose by 5.4% following Raymond James' reaffirmation of a 'Buy' rating, driven by expectations of revenue growth. Analysts highlighted the bank's strong performance and potential for continued expansion, contributing to positive market sentiment around the stock. The reaffirmation of a 'Buy' rating indicates moderate confidence in Towne Bank's growth potential, which may positively influence investor sentiment and financial performance.
8 Jan
Towne Bank (TOWN) is highlighted as a promising growth stock due to its strong financial performance and strategic initiatives. The bank has shown resilience in a competitive market, making it a favorable option for investors looking for growth opportunities. In contrast, two other stocks are deemed less attractive, suggesting that Towne Bank stands out in the current investment landscape. Towne Bank's strong financial performance and strategic initiatives are likely to significantly influence its future trajectory and investor sentiment.
4 Jan
Towne Bank (TOWN) is highlighted among three Russell 2000 stocks that are currently facing challenges in maintaining their market positions. The article discusses the financial performance and market dynamics affecting these companies, emphasizing the need for strategic adjustments to navigate potential risks and capitalize on opportunities. Investors are advised to monitor these developments closely as they could influence future performance. Current market dynamics and financial performance may moderately influence Towne Bank's competitive positioning.
1 Jan
Towne Bank (TOWN) is highlighted as a low-volatility stock, appealing to conservative investors seeking stability in uncertain market conditions. The bank's consistent performance and strong fundamentals make it a reliable choice, despite potential market fluctuations. Analysts suggest that while TOWN may not offer explosive growth, its resilience and steady dividend payouts position it favorably for risk-averse investors. The article emphasizes the importance of evaluating such stocks in the context of broader market trends and individual investment strategies. Towne Bank's stability and consistent performance may moderately influence investor sentiment and financial performance.
31 Dec
Towne Bank (TOWN) faces challenges due to rising interest rates, increased competition, and potential regulatory pressures, making it a less attractive investment. Analysts suggest avoiding TOWN and recommend considering a more promising stock instead, highlighting the need for investors to reassess their portfolios in light of these factors. Rising interest rates and competition are expected to moderately influence Towne Bank's financial performance and market positioning.
28 Dec
Towne Bank (TOWN) reported its Q3 earnings, showcasing performance metrics that reflect its position among regional banks. The analysis compares TOWN's results with those of its peers, highlighting trends in profitability, loan growth, and asset quality. The bank's strategic initiatives and market conditions are examined to provide context for its financial outcomes, indicating how these factors may influence investor sentiment and future performance. The earnings report indicates moderate influences on financial performance and competitive positioning within the regional banking sector.
16 Dec
Towne Bank has experienced strong multi-year share price gains, raising questions about whether it is still a viable investment option. Analysts are evaluating the bank's performance and market position, considering factors such as its growth trajectory and potential for future returns. Investors are urged to assess the sustainability of its gains and the implications for future investments. The strong share price gains indicate a moderately noticeable influence on investor sentiment and market performance.
Towne Bank (TOWN) has experienced recent share price gains, prompting a valuation check. Analysts are assessing the bank's financial health and market position in light of these developments. The evaluation considers factors such as earnings performance, market trends, and competitive landscape to determine the sustainability of the stock's upward movement. Recent share price gains indicate a moderately noticeable influence on Towne Bank's financial performance and market sentiment.
14 Dec
Towne Bank (TOWN) is highlighted as a cash-heavy stock with a competitive advantage, alongside another similar stock. The article emphasizes the financial strength and strategic positioning of these companies, suggesting they are well-equipped to navigate market challenges. In contrast, a third stock is dismissed due to lack of competitive edge. Investors are encouraged to consider the potential of these cash-rich firms in a fluctuating economic landscape. Towne Bank's competitive advantages and cash reserves may moderately influence its financial performance and market positioning.
10 Dec
Dogwood State Bank shareholders have approved a merger with TowneBank, a strategic move aimed at enhancing TowneBank's market presence and operational capabilities. The merger is expected to create a stronger financial institution, benefiting both sets of customers and expanding TowneBank's footprint in the region. The merger is a significant strategic move that could enhance TowneBank's competitive position and market dynamics.
26 Nov
Towne Bank has declared a quarterly cash dividend of $0.20 per share, payable on December 1, 2023, to shareholders of record as of November 17, 2023. This decision reflects the bank's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.