TowneBank (TOWN)
NASDAQ:TOWN
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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)497.78K
Market Cap
$3.14B
Enterprise Value$3.01B
Total Cash (Recent Filing)$95.47M
Total Debt (Recent Filing)$512.48M
Price to Earnings (P/E)19.3
Beta0.87
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. Volume556,437
30 Day Avg. Volume497,778
Financial Highlights & Ratios
PEG Ratio5.44
Price to Book (P/B)1.06
Price to Sales (P/S)2.54
P/FCF Ratio12.09
Enterprise Value/Market Cap0.96
Enterprise Value/Revenue2.79
Enterprise Value/Gross Profit3.93
Enterprise Value/Ebitda13.65
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 $3.14B.
When is TowneBank’s upcoming earnings report date?
TowneBank’s upcoming earnings report date is Jul 23, 2026 which is in 54 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 $0.27 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 0.79.
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
Outperform
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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
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 2.3%
Last 30 Days ▼ 2.3%
Technicals
SMA
Positive
20 days / 200 days
Momentum
4.25%
12-Months-Change
Fundamentals
Return on Equity
6.38%
Trailing 12-Months
Asset Growth
27.68%
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
$38.00
▲(4.65% Upside)
Technical Analysis
Ownership Overview
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Insiders
24.37% Mutual Funds
14.34% Other Institutional Investors
44.13% Public Companies and
Individual Investors