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TOWN Stock Chart & Stats
$36.65
$0.70(1.95%)
At close: 4:00 PM EDT
$36.65
$0.70(1.95%)
Day’s Range― - ―
52-Week Range$31.91 - $39.03
Previous CloseN/A
Volume650.97K
Average Volume (3M)690.47K
Market Cap
$3.52B
Enterprise Value$3.65K
Total Cash (Recent Filing)$158.77M
Total Debt (Recent Filing)$450.24M
Price to Earnings (P/E)10.6
Beta0.87
Next Earnings
Oct 22, 2026EPS Estimate
0.82Next Dividend Ex-DateN/A
Dividend Yield4.72%
Share Statistics
EPS (TTM)3.58
Shares Outstanding92,185,160
10 Day Avg. Volume699,663
30 Day Avg. Volume690,470
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$39.00Price Target Upside6.41% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.15
Revenue Forecast (FY)$996.49M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low debt-to-equity (~0.17) gives the bank durable capital flexibility and lower solvency risk. That conservative leverage supports lending through stress, regulatory resilience, and optionality for reinvestment or opportunistic M&A over the next several quarters.
Sustained Profitability MarginsHealthy net and operating margins for a regional bank provide persistent earnings power even with revenue softness. Higher margins create a structural buffer versus peers, supporting dividend capacity and internal reinvestment across a 2–6 month horizon.
Positive Operating Cash Flow CoverageOperating cash flow that covers a large share of net income (FCF ~71% of net income) shows the business converts earnings to cash. This durable cash generation supports funding of core operations, dividends, and loan originations absent large one-offs.
Bears Say
Revenue DeclineA persistent ~6% TTM revenue decline signals structural pressure on growth drivers (loans, fees, or margins). Sustained top-line contraction reduces scalability of fixed costs, limits reinvestment, and constrains medium-term earnings growth absent business-model improvement.
Weakened Return On EquityROE near 6.4%, markedly below prior peaks, implies the bank is generating modest returns on capital. Lower ROE compresses shareholder returns, limits ability to fund growth organically, and reduces strategic flexibility over the next several quarters.
Volatile Cash GenerationA ~39.6% drop in FCF and intermittent low coverage creates uncertainty in funding capacity. Volatile cash conversion undermines consistency of dividends, capital deployment, and risk absorption, increasing sensitivity to credit or rate shocks over a multi-month horizon.
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 $39.02 in the past 12 months.
What is TowneBank’s market cap?
TowneBank’s market cap is $3.52B.
When is TowneBank’s upcoming earnings report date?
TowneBank’s upcoming earnings report date is Oct 22, 2026 which is in 82 days.
How were TowneBank’s earnings last quarter?
TowneBank released its earnings results on Jul 23, 2026. The company reported $0.78 earnings per share for the quarter, missing the consensus estimate of $0.791 by -$0.011.
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 4.72%. See more information on TowneBank dividends here
What is TowneBank’s EPS estimate?
TowneBank’s EPS estimate is 0.82.
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?
TowneBank reported an EPS of $0.78 in its last earnings report, missing expectations of $0.791. Following the earnings report the stock price went down -0.388%.
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
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4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$39.00 (6.41% Upside)
$39.00 (6.41% Upside)
Blogger Sentiment
Bullish
TOWN Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 63.8K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▼ 1.2%
Last 30 Days ▲ 3.5%
Last 30 Days ▲ 3.5%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
11.67%
12-Months-Change
Fundamentals
Return on Equity
4.72%
Trailing 12-Months
Asset Growth
23.83%
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
$39.00
▲(6.41% Upside)
Technical Analysis
Ownership Overview
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Insiders
25.35% Mutual Funds
0.91% Other Institutional Investors
54.40% Public Companies and
Individual Investors