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Saturday 17 October 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. 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%
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% (at or above 10%: strong)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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. $3.5B 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.

Source: company filings (standardised) and stockrow calculations.

Towne Bank (TOWN) Latest News

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