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TowneBank (TOWN)

NASDAQ: TOWN · USD

$35.9

-0.57 (-1.6%)· Recorded snapshot

Market cap	3.3B
Revenue (ttm)	1.1B
Net income (ttm)	319.1M
EPS (ttm)	$3.76
Shares out	91.3M
P/E (trailing)	9.5x
P/E (forward)	10.3x
Dividend	$1.12 (3.11%)
Volume	293,592
Beta	0.73

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Achat fort
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Achat fort
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Conserver

Metric	Value
Amount currency	USD
CIK code	0001092058
Company name	TowneBank
Country	United States
Country code	US
CUSIP number	89214P109
Earnings date	2026-11-10
Earnings time	amc
Employees	2,932
Employees change	25
Employees growth	0.86%
Enterprise value	$3.5B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1998
In index	RUSSELL2000
Industry	Banks - Regional
IPO date	1999-05-07
Is primary listing	Yes
Is SPAC	No
ISIN number	US89214P1093
Last earnings date	2026-07-22
Last refreshed	2026-10-28
Last stock split date	2012-05-23
Last stock split type	Forward
Market cap	$3.3B
Market cap category	Mid-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$35.94
Price currency	USD
Sector	Financials
Stock price date	2026-10-28
Symbol	TOWN
U.S. state	Virginia
Website	https://www.townebank.com

Metric

Value

Amount currency

USD

CIK code

0001092058

Company name

TowneBank

Country

United States

Country code

CUSIP number

89214P109

Earnings date

2026-11-10

Earnings time

amc

Employees

2,932

Employees change

Employees growth

0.86%

Enterprise value

$3.5B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1998

In index

RUSSELL2000

Industry

Banks - Regional

IPO date

1999-05-07

Is primary listing

Yes

Is SPAC

ISIN number

US89214P1093

Last earnings date

2026-07-22

Last refreshed

2026-10-28

Last stock split date

2012-05-23

Last stock split type

Forward

Market cap

$3.3B

Market cap category

Mid-Cap

Next earnings date

2026-11-10

Options

Yes

Price

$35.94

Price currency

USD

Sector

Financials

Stock price date

2026-10-28

Symbol

TOWN

U.S. state

Virginia

Website

https://www.townebank.com

Metric	Value
Adjusted P/E ratio	11.78x
Average P/E ratio (10Y)	15.11x
Average P/E ratio (3Y)	14.53x
Average P/E ratio (5Y)	12.97x
Earnings yield	10.47%
EV/Earnings	11.05x
EV/FCF	26.75x
EV/Sales	3.16x
FCF / EV yield	3.74%
FCF yield	4%
Forward EV/Sales	3.41x
Forward P/E	10.33x
Forward P/S	3.18x
Graham number	52.70845
Graham upside	46.25%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$33.11
Lynch upside	-8.12%
P/B ratio	1.11x
P/E ratio	9.55x
P/FCF ratio	24.97x
P/OCF ratio	18.27x
P/S ratio	2.95x
PEG ratio	0.95x
Price / tangible book value	1.58x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

11.78x

Average P/E ratio (10Y)

15.11x

Average P/E ratio (3Y)

14.53x

Average P/E ratio (5Y)

12.97x

Earnings yield

10.47%

EV/Earnings

11.05x

EV/FCF

26.75x

EV/Sales

3.16x

FCF / EV yield

3.74%

FCF yield

Forward EV/Sales

3.41x

Forward P/E

10.33x

Forward P/S

3.18x

Graham number

52.70845

Graham upside

46.25%

Industry forward P/E

9.97x

Industry P/E

11.81x

Lynch fair value

$33.11

Lynch upside

-8.12%

P/B ratio

1.11x

P/E ratio

9.55x

P/FCF ratio

24.97x

P/OCF ratio

18.27x

P/S ratio

2.95x

PEG ratio

0.95x

Price / tangible book value

1.58x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
Effective tax rate	22.09%
FCF margin	11.8%
Operating margin	45.82%
Pretax margin	36.79%
Profit margin	28.56%
Profit per employee	$108,835
Revenue per employee	$381,025
ROA	1.57%
ROA (5Y)	1.09%
ROE	12.22%
ROE (5Y)	9.04%
SBC / revenue	0.99%
Tax / revenue	8.13%

Metric

Value

Effective tax rate

22.09%

FCF margin

11.8%

Operating margin

45.82%

Pretax margin

36.79%

Profit margin

28.56%

Profit per employee

$108,835

Revenue per employee

$381,025

ROA

1.57%

ROA (5Y)

1.09%

ROE

12.22%

ROE (5Y)

9.04%

SBC / revenue

0.99%

Tax / revenue

8.13%

Metric	Value
EPS growth	67.99%
EPS growth (Q)	285.7%
EPS growth (QoQ)	362.28%
EPS growth 10Y	13.6%
EPS growth 3Y	16.24%
EPS growth 5Y	5.43%
EPS growth quarters	1
FCF growth	30.46%
FCF growth 3Y	0.31%
FCF growth 5Y	-18.1%
Net income growth	89.48%
Net income growth (Q)	372.49%
Net income growth (QoQ)	371.27%
Net income growth 3Y	21.73%
Net income growth 5Y	8.8%
OCF growth	8.95%
OCF growth 10Y	-0.42%
OCF growth 3Y	0.35%
OCF growth 5Y	-14.02%
Revenue growth	51.98%
Revenue growth (Q)	117.81%
Revenue growth (QoQ)	80.27%
Revenue growth 10Y	13.77%
Revenue growth 3Y	17.21%
Revenue growth 5Y	9.97%
Revenue growth quarters	3

Metric

Value

EPS growth

67.99%

EPS growth (Q)

285.7%

EPS growth (QoQ)

362.28%

EPS growth 10Y

13.6%

EPS growth 3Y

16.24%

EPS growth 5Y

5.43%

EPS growth quarters

FCF growth

30.46%

FCF growth 3Y

0.31%

FCF growth 5Y

-18.1%

Net income growth

89.48%

Net income growth (Q)

372.49%

Net income growth (QoQ)

371.27%

Net income growth 3Y

21.73%

Net income growth 5Y

8.8%

OCF growth

8.95%

OCF growth 10Y

-0.42%

OCF growth 3Y

0.35%

OCF growth 5Y

-14.02%

Revenue growth

51.98%

Revenue growth (Q)

117.81%

Revenue growth (QoQ)

80.27%

Revenue growth 10Y

13.77%

Revenue growth 3Y

17.21%

Revenue growth 5Y

9.97%

Revenue growth quarters

Metric	Value
Capital expenditures	$-48.3M
EPS	$3.76
FCF per share	$1.44
Financing cash flow	$23M
Free cash flow	$131.8M
Gross profit	$1.1B
Income taxes	$90.8M
Investing cash flow	$500.7M
Net borrowing	$-64.1M
Net cash flow	$703.8M
Net income	$319.1M
Operating income	$511.9M
Revenue	$1.1B
Stock-based compensation	$11.1M

Metric

Value

Capital expenditures

$-48.3M

EPS

$3.76

FCF per share

$1.44

Financing cash flow

$23M

Free cash flow

$131.8M

Gross profit

$1.1B

Income taxes

$90.8M

Investing cash flow

$500.7M

Net borrowing

$-64.1M

Net cash flow

$703.8M

Net income

$319.1M

Operating income

$511.9M

Revenue

$1.1B

Stock-based compensation

$11.1M

Metric	Value
Book value per share	$32.80
Debt / equity	0.17
Debt / FCF	3.88
Goodwill	$808.6M
Net cash (debt)	$-234.9M
Net cash / market cap	-7.14%
Net debt / equity	0.08
Net debt / FCF	1.78
Piotroski F-Score	3
Property, plant and equipment	$495.4M
Shareholders' equity	$3B
Tangible book value	$2.1B
Tangible book value per share	$22.88
Total assets	$22.6B
Total cash	$276M
Total debt	$511M
Total liabilities	$19.6B
WACC	7.13%

Metric

Value

Book value per share

$32.80

Debt / equity

0.17

Debt / FCF

3.88

Goodwill

$808.6M

Net cash (debt)

$-234.9M

Net cash / market cap

-7.14%

Net debt / equity

0.08

Net debt / FCF

1.78

Piotroski F-Score

Property, plant and equipment

$495.4M

Shareholders' equity

$3B

Tangible book value

$2.1B

Tangible book value per share

$22.88

Total assets

$22.6B

Total cash

$276M

Total debt

$511M

Total liabilities

$19.6B

WACC

7.13%

Metric	Value
Working capital	$-16.7B

Metric

Value

Working capital

$-16.7B

Metric	Value
Buyback yield / dilution	-12.4%
Dividend growth	5.77%
Dividend growth (10Y)	8.2%
Dividend growth (3Y)	4.64%
Dividend growth (5Y)	7.68%
Dividend growth years	14
Dividend payment date	2026-10-09
Dividend payment years	24
Dividend payout frequency	Quarterly
Dividend per share	$1.12
Dividend yield	3.11%
Ex-dividend date	2026-09-25
FCF payout ratio	77.6%
Last dividend	$0.28
Payout ratio	29.75%
Shareholder yield	-9.29%

Metric

Value

Buyback yield / dilution

-12.4%

Dividend growth

5.77%

Dividend growth (10Y)

8.2%

Dividend growth (3Y)

4.64%

Dividend growth (5Y)

7.68%

Dividend growth years

Dividend payment date

2026-10-09

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$1.12

Dividend yield

3.11%

Ex-dividend date

2026-09-25

FCF payout ratio

77.6%

Last dividend

$0.28

Payout ratio

29.75%

Shareholder yield

-9.29%

Metric	Value
10Y price change	44.54%
10Y return CAGR	7.02%
10Y total return	97.01%
150-day SMA	$35.88
15Y price change	175.2%
15Y return CAGR	10.14%
15Y total return	325.8%
1D price change	-1.56%
1M price change	-1.02%
1M total return	-1.02%
1W price change	0.5%
1W total return	0.5%
1Y price change	7.85%
1Y return CAGR	13.55%
1Y total return	13.54%
20-day SMA	$35.66
200-day SMA	$35.64
20Y price change	85.35%
20Y return CAGR	6.02%
20Y total return	221.61%
3M price change	-4.74%
3M total return	-4%
3Y price change	53.35%
3Y return CAGR	19.85%
3Y total return	72.17%
50-day SMA	$36.46
50-day SMA vs 200-day SMA	50over200
52-week high	$39.03
52-week high date	2026-07-29
52-week low	$31.91
52-week low date	2025-11-17
5Y price change	17.96%
5Y return CAGR	7.21%
5Y total return	41.64%
6M price change	0.64%
6M total return	4.26%
All-time high	$39.03
All-time high date	2026-07-29
All-time low	$4.24
All-time low date	2000-03-21
Average true range (ATR)	$0.65
Average volume	506.9K
Beta (1Y)	0.11
Beta (2Y)	0.78
Beta (5Y)	0.73
Change from 52-week high	-7.91%
Change from 52-week low	12.63%
Change from all-time high	-7.78%
Change from all-time low	748.42%
Change from open	-1.7%
Day's gap	0.14%
Dollar volume	$10.6M
High price	$36.58
Low price	$35.84
Monthly RSI	55.11
Open price	$36.56
Position in 52-week range	13.51%
Premarket change	-0.35%
Premarket close	$36.51
Premarket price	$36.38
Premarket volume	145
Previous close	$36.51
Price vs 150-day SMA	0.31%
Price vs 20-day SMA	0.93%
Price vs 200-day SMA	1%
Price vs 50-day SMA	-1.29%
Relative volume	0.58
RSI	49.51
Sharpe ratio	0.54
Sharpe ratio (3Y)	0.76
Sharpe ratio (5Y)	0.21
Sortino ratio	1.12
Sortino ratio (3Y)	1.45
Sortino ratio (5Y)	0.55
Volume	293.6K
Weekly RSI	49.55
YTD price change	7.85%
YTD total return	12.64%

Metric

Value

10Y price change

44.54%

10Y return CAGR

7.02%

10Y total return

97.01%

150-day SMA

$35.88

15Y price change

175.2%

15Y return CAGR

10.14%

15Y total return

325.8%

1D price change

-1.56%

1M price change

-1.02%

1M total return

-1.02%

1W price change

0.5%

1W total return

0.5%

1Y price change

7.85%

1Y return CAGR

13.55%

1Y total return

13.54%

20-day SMA

$35.66

200-day SMA

$35.64

20Y price change

85.35%

20Y return CAGR

6.02%

20Y total return

221.61%

3M price change

-4.74%

3M total return

-4%

3Y price change

53.35%

3Y return CAGR

19.85%

3Y total return

72.17%

50-day SMA

$36.46

50-day SMA vs 200-day SMA

50over200

52-week high

$39.03

52-week high date

2026-07-29

52-week low

$31.91

52-week low date

2025-11-17

5Y price change

17.96%

5Y return CAGR

7.21%

5Y total return

41.64%

6M price change

0.64%

6M total return

4.26%

All-time high

$39.03

All-time high date

2026-07-29

All-time low

$4.24

All-time low date

2000-03-21

Average true range (ATR)

$0.65

Average volume

506.9K

Beta (1Y)

0.11

Beta (2Y)

0.78

Beta (5Y)

0.73

Change from 52-week high

-7.91%

Change from 52-week low

12.63%

Change from all-time high

-7.78%

Change from all-time low

748.42%

Change from open

-1.7%

Day's gap

0.14%

Dollar volume

$10.6M

High price

$36.58

Low price

$35.84

Monthly RSI

55.11

Open price

$36.56

Position in 52-week range

13.51%

Premarket change

-0.35%

Premarket close

$36.51

Premarket price

$36.38

Premarket volume

145

Previous close

$36.51

Price vs 150-day SMA

0.31%

Price vs 20-day SMA

0.93%

Price vs 200-day SMA

Price vs 50-day SMA

-1.29%

Relative volume

0.58

RSI

49.51

Sharpe ratio

0.54

Sharpe ratio (3Y)

0.76

Sharpe ratio (5Y)

0.21

Sortino ratio

1.12

Sortino ratio (3Y)

1.45

Sortino ratio (5Y)

0.55

Volume

293.6K

Weekly RSI

49.55

YTD price change

7.85%

YTD total return

12.64%

Metric	Value
Float	85.7M
Float percentage	93.86%
Shares change (QoQ)	1.86%
Shares change (YoY)	12.4%
Shares held by insiders	6.14%
Shares held by institutions	63.23%
Shares outstanding	91.3M
Short % of float	3.27%
Short % of shares	3.07%
Short ratio	5.6 days

Metric

Value

Float

85.7M

Float percentage

93.86%

Shares change (QoQ)

1.86%

Shares change (YoY)

12.4%

Shares held by insiders

6.14%

Shares held by institutions

63.23%

Shares outstanding

91.3M

Short % of float

3.27%

Short % of shares

3.07%

Short ratio

5.6 days

TowneBank (TOWN)

Price

Financial snapshot

Fair-value bridge

Latest news · TOWN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TOWN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TOWN

Frequently asked questions