TowneBank (TOWN)
NASDAQ:TOWN
Want to see TOWN full AI Analyst Report?
TOWN Stock Chart & Stats
$36.31
-$0.07(-0.21%)
At close: 4:00 PM EST
$36.31
-$0.07(-0.21%)
Day’s Range― - ―
52-Week Range$31.91 - $37.86
Previous CloseN/A
Volume26.66K
Average Volume (3M)583.22K
Market Cap
$3.20B
Enterprise Value$3.05B
Total Cash (Recent Filing)$95.47M
Total Debt (Recent Filing)$512.48M
Price to Earnings (P/E)19.7
Beta0.86
Next Earnings
Jul 23, 2026EPS Estimate
0.79Next Dividend Ex-DateN/A
Dividend Yield3.04%
Share Statistics
EPS (TTM)2.00
Shares Outstanding92,185,160
10 Day Avg. Volume647,704
30 Day Avg. Volume583,222
Financial Highlights & Ratios
PEG Ratio5.41
Price to Book (P/B)1.06
Price to Sales (P/S)2.54
P/FCF Ratio12.09
Enterprise Value/Market Cap0.95
Enterprise Value/Revenue2.83
Enterprise Value/Gross Profit3.98
Enterprise Value/Ebitda12.44
Forecast
1Y Price Target
$38.00Price Target Upside4.65% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.26
Revenue Forecast (FY)$1.06B
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetLow leverage (debt-to-equity ~0.17) provides durable financial flexibility: it improves loss absorption, supports regulatory capital requirements, allows continued lending in stress, and reduces refinancing risk — all structural strengths for a regional bank over months.
Diversified Revenue SourcesFunding via deposits and revenue from lending plus fee-based wealth, mortgage and treasury services creates a multi-channel earnings base. This structural diversification smooths cyclicality in net interest income and supports fee resilience over the medium term.
Sustainable Operating MarginsMargins remain solid for a regional bank, indicating underlying operating efficiency and pricing power. Durable margins help fund provisions, capital build, and shareholder distributions, giving the bank structural ability to generate profit even if top-line growth slows.
Bears Say
Revenue DeclineA persistent ~6% revenue decline signals structural pressure on core lending or fee businesses. Over several quarters this erodes earnings power, limits internal capital generation for growth or dividends, and increases reliance on margin or cost improvements to restore growth.
Weakened Cash GenerationA near-40% drop in free cash flow and volatile cash coverage weaken the firm's ability to fund investments, absorb credit shocks, or maintain stable dividends without tapping external funding. This reduces operational flexibility over the medium term.
Lower Return On EquityROE materially below prior-cycle peaks implies the bank is generating less return from its capital base. Persistently lower ROE constrains capital accumulation, may pressure management to pursue higher-risk growth or cost cuts, and limits long-term shareholder value creation.
TowneBank News
TOWN FAQ
What was TowneBank’s price range in the past 12 months?
TowneBank lowest stock price was $31.91 and its highest was $37.86 in the past 12 months.
What is TowneBank’s market cap?
TowneBank’s market cap is $3.20B.
When is TowneBank’s upcoming earnings report date?
TowneBank’s upcoming earnings report date is Jul 23, 2026 which is in 32 days.
How were TowneBank’s earnings last quarter?
Currently, no data Available
Is TowneBank overvalued?
According to Wall Street analysts TowneBank’s price is currently Undervalued.
Does TowneBank pay dividends?
TowneBank pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 3.04%. See more information on TowneBank dividends here
What is TowneBank’s EPS estimate?
TowneBank’s EPS estimate is 0.79.
How many shares outstanding does TowneBank have?
TowneBank has 92,185,160 shares outstanding.
What happened to TowneBank’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of TowneBank?
Currently, no hedge funds are holding shares in TOWN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
TowneBank Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$38.00 (4.65% Upside)
$38.00 (4.65% Upside)
Blogger Sentiment
Bullish
TOWN Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 63.8K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 0.5%
Last 30 Days ▼ 0.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
11.46%
12-Months-Change
Fundamentals
Return on Equity
6.38%
Trailing 12-Months
Asset Growth
27.68%
Trailing 12-Months
Company Description
TowneBank
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.
TOWN Stock 12 Month Forecast
Average Price Target
$38.00
▲(4.65% Upside)
Technical Analysis
Ownership Overview
―
Insiders
24.93% Mutual Funds
14.34% Other Institutional Investors
43.22% Public Companies and
Individual Investors