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TowneBank (TOWN)
NASDAQ:TOWN
Total Valuation
TowneBank has a market cap or net worth of $2.76B. The enterprise value is $2.77B.
Market Cap$2.76B
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 Institutions9.70%
Financial Efficiency
TowneBank’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 5.69%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.69%
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 14.8. TowneBank’s PEG ratio is 3.25.
PE Ratio14.8
PS Ratio2.49
PB Ratio1.19
Price to Fair Value1.19
Price to FCF31.47
Price to Operating Cash Flow11.65
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 165.88M and capital expenditures -64.88M, giving a free cash flow of 101.00M billion.
Operating Cash Flow165.88M
Free Cash Flow101.00M
Free Cash Flow per Share1.25
Dividends & Yields
TowneBank pays an annual dividend of $0.27, resulting in a dividend yield of 3.06%
Dividend Per Share$0.27
Dividend Yield3.06%
Payout Ratio39.69%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.91
52-Week Price Change5.09%
50-Day Moving Average35.50
200-Day Moving Average34.25
Relative Strength Index (RSI)35.94
Average Volume (3m)317.61K
Important Dates
TowneBank upcoming earnings date is Oct 23, 2025, Before Open (Confirmed).
Last Earnings DateJul 23, 2025
Next Earnings DateOct 23, 2025
Ex-Dividend DateSep 29, 2025
Financial Position
TowneBank as a current ratio of 0.10, with Debt / Equity ratio of 12.71%
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 $1.18B in cash and marketable securities with $294.12M in debt, giving a net cash position of $883.97M billion.
Cash & Marketable Securities$1.18B
Total Debt$294.12M
Net Cash$883.97M
Net Cash Per Share$10.91
Tangible Book Value Per Share$21.86
Margins
Gross margin is 55.04%, with operating margin of 18.59%, and net profit margin of 15.79%.
Gross Margin55.04%
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 $41.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$41.00
Price Target Upside21.77% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast8.34%
EPS Growth Forecast14.44%