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TowneBank (TOWN)
NASDAQ:TOWN
Total Valuation
TowneBank has a market cap or net worth of $2.66B. The enterprise value is $2.77B.
Market Cap$2.66B
Enterprise Value$2.77B
Share Statistics
TowneBank has 81,057,180 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding81,057,180
Owned by Insiders―
Owned by Institutions10.48%
Financial Efficiency
TowneBank’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 5.80%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.80%
Return on Capital Employed (ROCE)0.07
Revenue Per Employee378.86K
Profits Per Employee59.82K
Employee Count2,704
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of TowneBank is 14.6. TowneBank’s PEG ratio is 3.25.
PE Ratio14.6
PS Ratio2.49
PB Ratio1.19
Price to Fair Value1.19
Price to FCF31.47
Price to Operating Cash Flow10.61
PEG Ratio3.25
Income Statement
In the last 12 months, TowneBank had revenue of 1.02B and earned 161.76M in profits. Earnings per share was 2.16.
Revenue1.02B
Gross Profit692.51M
Operating Income190.48M
Pretax Income190.38M
Net Income161.76M
EBITDA225.55M
Earnings Per Share (EPS)2.16
Cash Flow
In the last 12 months, operating cash flow was 242.29M and capital expenditures -43.73M, giving a free cash flow of 198.55M billion.
Operating Cash Flow242.29M
Free Cash Flow198.55M
Free Cash Flow per Share2.45
Dividends & Yields
TowneBank pays an annual dividend of $0.27, resulting in a dividend yield of 2.95%
Dividend Per Share$0.27
Dividend Yield2.95%
Payout Ratio36.24%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.92
52-Week Price Change-0.56%
50-Day Moving Average33.39
200-Day Moving Average34.02
Relative Strength Index (RSI)68.13
Average Volume (3m)311.39K
Important Dates
TowneBank upcoming earnings date is Jan 22, 2026, Before Open (Confirmed).
Last Earnings DateOct 22, 2025
Next Earnings DateJan 22, 2026
Ex-Dividend DateDec 26, 2025
Financial Position
TowneBank as a current ratio of 0.10, with Debt / Equity ratio of 15.11%
Current Ratio0.10
Quick Ratio0.10
Debt to Market Cap0.12
Net Debt to EBITDA-4.62
Interest Coverage Ratio0.57
Taxes
In the past 12 months, TowneBank has paid 27.65M in taxes.
Income Tax27.65M
Effective Tax Rate0.15
Enterprise Valuation
TowneBank EV to EBITDA ratio is 6.69, with an EV/FCF ratio of 18.62.
EV to Sales1.47
EV to EBITDA6.69
EV to Free Cash Flow18.62
EV to Operating Cash Flow10.91
Balance Sheet
TowneBank has $1.34B in cash and marketable securities with $362.23M in debt, giving a net cash position of $977.44M billion.
Cash & Marketable Securities$1.34B
Total Debt$362.23M
Net Cash$977.44M
Net Cash Per Share$12.06
Tangible Book Value Per Share$21.86
Margins
Gross margin is 70.87%, with operating margin of 18.59%, and net profit margin of 15.79%.
Gross Margin70.87%
Operating Margin18.59%
Pretax Margin18.58%
Net Profit Margin15.79%
EBITDA Margin22.02%
EBIT Margin18.59%
Analyst Forecast
The average price target for TowneBank is $42.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$42.00
Price Target Upside19.12% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast9.48%
EPS Growth Forecast12.83%