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TOWN Quote, Financials, Valuation and Earnings
Last price:
$34.25
Seasonality move
:
-0.36%
Day range:
$33.62 - $34.14
52-week range:
$29.43 - $38.28
Dividend yield:
3.05%
P/E ratio:
15.17x
P/S ratio:
2.39x
P/B ratio:
1.09x
Volume:
388.1K
Avg. volume:
290.9K
1-year change:
-6.87%
Market cap:
$2.7B
Revenue:
$1B
EPS (TTM):
$2.24
Analysts' Opinion
-
Consensus RatingTowneBank has received a consensus rating of Leans Bullish. The company's average rating is a Leans Bullish based on 1 Buy rating, 1 Hold rating, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $40.50, TowneBank has an estimated upside of 18.94% from its current price of $34.05.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $38.00 representing 100% downside risk from its current price of $34.05.
Fair Value
-
According to the consensus of 2 analysts, TowneBank has 18.94% upside to fair value with a price target of $40.50 per share.
TOWN vs. S&P 500
-
Over the past 5 trading days, TowneBank has overperformed the S&P 500 by 0.73% suggesting its relative strength compared to the major market average is strong at this time.
Share Buyback
-
TowneBank does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
TowneBank has grown year-over-year revenues for 14 quarters straight. In the most recent quarter TowneBank reported revenues of $287.1M.
Earnings Growth
-
TowneBank earnings have been falling on a year-over-year basis for 2 quarters in a row. In the most recent quarter TowneBank reported earnings per share of $0.51.
Enterprise value:
3.1B
EV / Invested capital:
1.08x
Price / LTM sales:
2.39x
EV / EBIT:
6.20x
EV / Revenue:
2.83x
PEG ratio (5yr expected):
1.19x
EV / Free cash flow:
30.27x
Price / Operating cash flow:
24.45x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.95%
Net Income Margin (TTM):
15.84%
Return On Equity:
7.6%
Return On Invested Capital:
6.58%
Operating Margin:
22.46%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $897.5M | $1B | $1.1B | $257.9M | $287.1M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $223M | $174.6M | $241.5M | $49.2M | $64.5M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $2.32 | $1.99 | $2.24 | $0.57 | $0.51 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $3.3B | $1.5B | $1.2B | $1.3B | $1.3B | |
| Total Assets | $15.8B | $16B | $16.7B | $17.2B | $19.7B | |
| Current Liabilities | $5.5B | $5.6B | $4.6B | $4.3B | $13.4B | |
| Total Liabilities | $13.9B | $14.1B | $14.7B | $15B | $17.3B | |
| Total Equity | $1.9B | $1.8B | $2B | $2.2B | $2.5B | |
| Total Debt | $546.3M | $329.1M | $440.9M | $311.6M | $336.5M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-06-30 | 2024-06-30 | 2025-06-30 | 2024-06-30 | 2025-06-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | -$13M | $211.2M | $165.9M | $25.2M | -$30.6M | |
| Cash From Investing | -$603.6M | -$211.1M | -$689.7M | $43.4M | -$238.4M | |
| Cash From Financing | -$387.9M | -$334.9M | $334.1M | $131.8M | $63.4M | |
| Free Cash Flow | -$60.7M | $175.1M | $101M | $20.1M | -$42.5M | |
TOWN
Sector
Market Cap
$2.7B
$555.9M
Price % of 52-Week High
88.95%
89.84%
Dividend Yield
3.05%
1.65%
Shareholder Yield
2.78%
3.16%
1-Year Price Total Return
-6.87%
1.51%
Beta (5-Year)
0.788
0.481
Dividend yield:
3.05%
Annualized payout:
$1.00
Payout ratio:
52.94%
Growth streak:
13 years
Technicals
8-day SMA
Buy
Level
$33.57
200-day SMA
Sell
Level
$34.40
Bollinger Bands (100)
Sell
Level
33.24 - 36.16
Chaikin Money Flow
Buy
Level
26.5M
20-day SMA
Buy
Level
$33.11
Relative Strength Index (RSI14)
Buy
Level
58.51
ADX Line
Buy
Level
18.66
Williams %R
Sell
Level
-4.4643
50-day SMA
Buy
Level
$33.46
MACD (12, 26)
Buy
Level
0.11
25-day Aroon Oscillator
Buy
Level
36
On Balance Volume
Neutral
Level
22.7M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.5297)
Sell
CA Score
(Annual)
Level (-2.038)
--
Beneish M-Score
(Annual)
Level (--)
Sell
Momentum Score
Level (5)
Sell
Ohlson Score
Level (3.5083)
Buy
Piotroski F Score
(Annual)
Level (7)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (8)
Revenue Forecast
Earnings per Share Forecast
Company Profile
TowneBank engages in the provision of retail and commercial banking services to individuals and small and medium size businesses. It operates through the following segments: Banking, Realty, and Insurance. The Banking segment offers loan and deposit services to retail and commercial customers. The Realty segment focuses on the provision of residential real estate services and originations of a variety of mortgage loans. The Insurance segment includes the provision of full-service commercial and retail insurance, employee benefit services, and travel insurance. The company was founded by R. Scott Morgan on September 3, 1998 and is headquartered in Portsmouth, VA.
Stock Forecast FAQ
In the current month, TOWN has received 1 Buy ratings 1 Hold ratings, and 0 Sell ratings. The TOWN average analyst price target in the past 3 months is $40.50.
-
Where Will TowneBank Stock Be In 1 Year?
According to analysts, the consensus estimate is that TowneBank share price will rise to $40.50 per share over the next 12 months.
-
What Do Analysts Say About TowneBank?
Analysts are divided on their view about TowneBank share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that TowneBank is a Sell and believe this share price will drop from its current level to $38.00.
-
What Is TowneBank's Price Target?
The price target for TowneBank over the next 1-year time period is forecast to be $40.50 according to 2 Wall Street analysts, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.
-
Is TOWN A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for TowneBank is a Leans Bullish. 1 of 2 analysts rates the stock a Leans Bullish at this time.
-
How Can I Buy Shares Of TOWN?
You can purchase shares of TowneBank via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase TowneBank shares.
-
What Is The TowneBank Share Price Today?
TowneBank was last trading at $34.25 per share. This represents the most recent stock quote for TowneBank. Yesterday, TowneBank closed at $34.05 per share.
-
How To Buy TowneBank Stock Online?
In order to purchase TowneBank stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
TOWN
Sector
P/E ratio
15.17x
11.82x
PEG ratio
1.19x
0.31x
P/B ratio
1.09x
1.08x
Price / LTM sales
2.39x
1.79x
Growth Metrics
TOWN
Sector
Revenue growth
11.31%
5.54%
Earnings growth
-10.78%
14.72%
Revenue (5-year growth)
8.79%
8.86%
Earnings forecast
$0.76
$0.62
Profitability
TOWN
Sector
Profitability FY 2024
--
--
Return on invested capital
6.58%
5.04%
Return on assets
0.95%
1.02%
Return on equity
7.6%
9.7%
Earnings Date
Last Earnings Date
Oct
22
Next Earnings Date
Jan
21
Estimated Next Earnings Date
Jan
21
Balance Sheet
TOWN
Sector
Total cash
$1.2B
$436.6M
Short term investments
$62.3M
$211.5M
Total assets
$17.2B
$3.1B
Long term debt
$336.5M
$84.4M
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