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TowneBank (TOWN)
NASDAQ:TOWN
TOWN Stock Chart & Stats
$34.26
-$0.07(-0.21%)
At close: 4:00 PM EST
$34.26
-$0.07(-0.21%)
Day’s Range― - ―
52-Week Range$29.43 - $37.86
Previous CloseN/A
Volume26.66K
Average Volume (3M)311.39K
Market Cap
$3.16B
Enterprise Value$2.73B
Total Cash (Recent Filing)$253.49M
Total Debt (Recent Filing)$371.14M
Price to Earnings (P/E)15.5
Beta0.88
Next Earnings
Apr 23, 2026EPS Estimate
0.76Next Dividend Ex-DateN/A
Dividend Yield3.04%
Share Statistics
EPS (TTM)0.70
Shares Outstanding92,247,390
10 Day Avg. Volume360,092
30 Day Avg. Volume311,389
Financial Highlights & Ratios
PEG Ratio5.44
Price to Book (P/B)1.06
Price to Sales (P/S)2.54
P/FCF Ratio0.00
Enterprise Value/Market Cap0.86
Enterprise Value/Revenue2.53
Enterprise Value/Gross Profit3.53
Enterprise Value/Ebitda11.47
Forecast
1Y Price Target
$41.00Price Target Upside19.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.51
Revenue Forecast (FY)$1.08B
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow GrowthNearly doubling free cash flow on a TTM basis indicates durable cash generation capacity. This strengthens the bank's ability to fund organic growth, support dividends, pursue targeted M&A, and build loss-absorbing reserves without relying on volatile market funding.
Conservative Balance Sheet With Low LeverageA very low debt-to-equity ratio reflects conservative financial policy and a strong capital base. Over the medium term this enhances resilience to credit cycles, supports regulatory capital requirements, and provides flexibility to expand lending or absorb localized loan losses.
Strategic Regional Expansion Via Dogwood MergerThe Dogwood acquisition materially expands TowneBank's franchise along the fast-growing I-85 corridor and coastal NC/SC markets, adds local leadership, and broadens deposit and loan sourcing. This structural footprint expansion can drive sustained revenue growth and diversification.
Bears Say
Modest Return On EquityAn ROE near 7.5% suggests limited profitability relative to equity capital and may constrain long-term shareholder returns. Persistently modest ROE reduces capacity to organically boost book value per share and may force reliance on expense cuts or higher-risk growth to lift returns.
Declining Net Profit MarginA shrinking net margin signals pressure on core profitability, which can erode earnings power over time. Unless margins stabilize, the bank may face muted earnings growth even with revenue gains, limiting reinvestment capacity and reducing resilience to rate or credit shocks.
Low Operating Cash Flow To Net Income ConversionWeak conversion of accounting earnings into operating cash flow raises concerns about the quality and sustainability of reported profits. Over months, this can constrain liquidity available for lending, dividends, or capital needs, and heighten sensitivity to credit or deposit stress.
TowneBank News
TOWN FAQ
What was TowneBank’s price range in the past 12 months?
TowneBank lowest stock price was $29.43 and its highest was $37.86 in the past 12 months.
What is TowneBank’s market cap?
TowneBank’s market cap is $3.16B.
When is TowneBank’s upcoming earnings report date?
TowneBank’s upcoming earnings report date is Apr 23, 2026 which is in 51 days.
How were TowneBank’s earnings last quarter?
TowneBank released its earnings results on Jan 28, 2026. The company reported $0.7 earnings per share for the quarter, missing the consensus estimate of $0.712 by -$0.012.
Is TowneBank overvalued?
According to Wall Street analysts TowneBank’s price is currently Undervalued.
Does TowneBank pay dividends?
TowneBank pays a Quarterly dividend of $0.27 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 0.76.
How many shares outstanding does TowneBank have?
TowneBank has 92,247,390 shares outstanding.
What happened to TowneBank’s price movement after its last earnings report?
TowneBank reported an EPS of $0.7 in its last earnings report, missing expectations of $0.712. Following the earnings report the stock price went down -1.498%.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$41.00 (19.67% Upside)
$41.00 (19.67% Upside)
Hedge Fund Trend
Increased
By 224.8K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 1.7%
Last 30 Days ▼ 1.7%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-1.83%
12-Months-Change
Fundamentals
Return on Equity
7.37%
Trailing 12-Months
Asset Growth
7.01%
Trailing 12-Months
Company Description
TowneBank
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.
TOWN Stock 12 Month Forecast
Average Price Target
$41.00
▲(19.67% Upside)
Technical Analysis
Ownership Overview
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Insiders
21.15% Mutual Funds
4.07% Other Institutional Investors
59.92% Public Companies and
Individual Investors