TowneBank (NASDAQ: TOWN) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 10.42 | EPS (ttm) | 3.56 | Insider Own | - | Shs Outstand | 92.19M | Perf Week | 0.22% |
| Market Cap | 3.42B | Forward P/E | 10.59 | EPS next Y | 3.50 | Insider Trans | - | Shs Float | 90.63M | Perf Month | -0.54% |
| Enterprise Value | 3.71B | PEG | 0.91 | EPS next Q | 0.79 | Inst Own | - | Short Float | 3.09% | Perf Quarter | 6.83% |
| Income | 314.00M | P/S | 2.63 | EPS this Y | -11.76% | Inst Trans | - | Short Ratio | 4.33 | Perf Half Y | 13.57% |
| Sales | 1.30B | P/B | 1.14 | EPS next Y | 11.48% | ROA | 1.39% | Short Interest | 2.80M | Perf YTD | 11.12% |
| Book/sh | 32.56 | P/C | 21.50 | EPS next 5Y | 11.48% | ROE | 11.66% | 52W High | 39.03 -5.00% | Perf Year | 5.52% |
| Cash/sh | 1.72 | P/FCF | 25.88 | EPS past 3/5Y | -5.27% 1.92% | ROIC | 1.39% | 52W Low | 31.91 16.20% | Perf 3Y | 60.03% |
| Dividend Est. | 1.12 (3.02%) | EV/EBITDA | 8.45 | Sales past 3/5Y | 10.70% 6.32% | Gross Margin | 75.99% | Volatility | 1.69% 1.46% | Perf 5Y | 27.25% |
| Dividend TTM | 1.79 (4.83%) | EV/Sales | 2.85 | EPS Y/Y TTM | 65.58% | Oper. Margin | 31.08% | ATR (14) | 0.59 | Perf 10Y | 55.93% |
| Dividend Ex-Date | Sep 25, 2026 | Quick Ratio | 4.07 | Sales Y/Y TTM | 26.95% | Profit Margin | 24.14% | RSI (14) | 47.43 | Recom | 2.67 |
| Dividend Gr. 3/5Y | 6.00% 8.04% | Current Ratio | 4.07 | EPS Q/Q | -3.70% | SMA20 | -0.56% | Beta | 0.72 | Target Price | - |
| Payout | 48.57% | Debt/Eq | 0.15 | Sales Q/Q | 78.78% | SMA50 | -0.53% | Rel Volume | 1.41 | Prev Close | 37.10 |
| Employees | 2,932 | LT Debt/Eq | 0.14 | Earnings | Oct 21 | SMA200 | 4.60% | Avg Volume | 622.65K | Price | 37.08 |
| IPO Date | May 05, 1999 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -1.39% 0.16% | Net Debt/EBITDA | 0.66 | Volume | 875,317 | Change | -0.05% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| May-06-26 | Downgrade | Keefe, Bruyette & Woods | Outperform → Market Perform | |
| Oct-02-24 | Upgrade | Keefe, Bruyette & Woods | Market Perform → Outperform | |
| Feb-03-21 | Upgrade | Piper Sandler | Neutral → Overweight | |
| Apr-26-18 | Upgrade | Raymond James | Market Perform → Outperform |
TowneBank functions as a comprehensive financial institution, delivering a wide array of retail and commercial banking services to individuals, businesses, and professionals. Its operations are structured across three primary divisions: Banking, Realty, and Insurance. Clients can establish diverse deposit accounts, such as checking accounts, standard savings, high-yield savings, certificates of deposit (CDs), and individual retirement accounts. The bank facilitates various lending solutions, including secured and unsecured personal loans for purchases like vehicles, home renovations, educational expenses, and individual investments. It also extends commercial loans designed for working capital, business growth, and the acquisition of equipment. Furthermore, TowneBank provides mortgage financing, encompassing general home loans and specialized loans for real estate acquisition, development, and construction. Beyond core lending and deposit offerings, TowneBank delivers practical services like safe deposit boxes, comprehensive treasury management, direct deposit for paychecks and government benefits, and automated transfers. Modern banking conveniences are also available through its online, mobile, and on-call platforms. Moreover, it supports investors with documentation for tax deferral, offers expertise in investment and asset management, and provides commercial mortgage brokerage. The institution also delivers a suite of financial planning services, including retirement and estate planning, and guides clients through diverse investment opportunities like alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing programs. Its realty division handles residential real estate services, including relocation assistance, property management, vacation rentals, and title and settlement processes. It also originates residential mortgage loans. Through its insurance arm, TowneBank furnishes various types of coverage, such as life, property, casualty, and auto insurance. It additionally administers employee benefits packages, encompassing health, dental, vision, and disability insurance. TowneBank maintains a regional presence across Richmond and the greater Hampton Roads area in southeastern Virginia, extending into northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. Founded in 1998, TowneBank's corporate headquarters are situated in Portsmouth, Virginia.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,300 | 1,008 | 1,024 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 313 | 307 | 331 | — | — | — | — | — | — | |
| Gross Profit | 988 | 701 | 693 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 406 | 378 | 322 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 179 | 113 | 181 | — | — | — | — | — | — | |
| Operating Income | 404 | 210 | 190 | — | — | — | — | — | — | |
| Interest Expense | 296 | 283 | 332 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 296 | 283 | 332 | — | — | — | — | — | — | |
| Net Income Before Taxes | 404 | 210 | 190 | — | — | — | — | — | — | |
| Income Taxes | 89 | 39 | 28 | — | — | — | — | — | — | |
| Consolidated Net Income | 314 | 170 | 162 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 315 | 171 | 163 | — | — | — | — | — | — | |
| Net Income | 314 | 170 | 162 | — | — | — | — | — | — | |
| EPS (Recurring) | 3.57 | 2.22 | 2.16 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 3.57 | 2.22 | 2.16 | — | — | — | — | — | — | |
| EPS (Diluted) | 3.56 | 2.21 | 2.15 | — | — | — | — | — | — | |
| EBITDA | 439 | 250 | 226 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 10.42 | 15.10 | 15.84 | — | — | — | — | — | — | |
| Price To Sales Ratio | 2.62 | 2.55 | 2.49 | — | — | — | — | — | — | |
| Gross Margin | 76.00 | 69.54 | 67.68 | — | — | — | — | — | — | |
| Operating Margin | 31.08 | 20.83 | 18.55 | — | — | — | — | — | — | |
| Net Margin | 24.15 | 16.87 | 15.82 | — | — | — | — | — | — | |
| Shares Outstanding | 92 | 77 | 75 | — | — | — | — | — | — | |
| Market Capitalization | 3,411 | 2,569 | 2,555 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |