TowneBank (TOWN)

TowneBank Statistics

Total Valuation

TowneBank has a market cap or net worth of $2.65 billion. The enterprise value is $2.67 billion.

Market Cap	2.65B
Enterprise Value	2.67B

Important Dates

The last earnings date was Wednesday, July 23, 2025, after market close.

Earnings Date	Jul 23, 2025
Ex-Dividend Date	Jun 27, 2025

Share Statistics

TowneBank has 73.27 million shares outstanding. The number of shares has increased by 0.44% in one year.

Current Share Class	73.27M
Shares Outstanding	73.27M
Shares Change (YoY)	+0.44%
Shares Change (QoQ)	+0.83%
Owned by Insiders (%)	7.29%
Owned by Institutions (%)	59.62%
Float	67.96M

Valuation Ratios

The trailing PE ratio is 15.67 and the forward PE ratio is 12.53.

PE Ratio	15.67
Forward PE	12.53
PS Ratio	3.67
Forward PS	3.02
PB Ratio	1.20
P/TBV Ratio	1.60
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.38
EV / Sales	3.60
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.07%.

Return on Equity (ROE)	8.07%
Return on Assets (ROA)	0.99%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$272,731
Profits Per Employee	$63,839
Employee Count	2,720
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, TowneBank has paid $31.56 million in taxes.

Income Tax	31.56M
Effective Tax Rate	15.30%

Stock Price Statistics

The stock price has increased by +10.92% in the last 52 weeks. The beta is 0.82, so TowneBank's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+10.92%
50-Day Moving Average	34.70
200-Day Moving Average	34.58
Relative Strength Index (RSI)	59.62
Average Volume (20 Days)	298,641

Short Selling Information

The latest short interest is 1.38 million, so 1.89% of the outstanding shares have been sold short.

Short Interest	1.38M
Short Previous Month	1.35M
Short % of Shares Out	1.89%
Short % of Float	2.03%
Short Ratio (days to cover)	5.11

Income Statement

In the last 12 months, TowneBank had revenue of $741.83 million and earned $173.64 million in profits. Earnings per share was $2.31.

Revenue	741.83M
Gross Profit	741.83M
Operating Income	239.40M
Pretax Income	178.91M
Net Income	173.64M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.31

Balance Sheet

The company has $273.37 million in cash and $294.12 million in debt, giving a net cash position of -$20.74 million or -$0.28 per share.

Cash & Cash Equivalents	273.37M
Total Debt	294.12M
Net Cash	-20.74M
Net Cash Per Share	-$0.28
Equity (Book Value)	2.24B
Book Value Per Share	30.03
Working Capital	-14.00B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	32.27%
Pretax Margin	27.81%
Profit Margin	23.41%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.08, which amounts to a dividend yield of 3.01%.

Dividend Per Share	$1.08
Dividend Yield	3.01%
Dividend Growth (YoY)	2.00%
Years of Dividend Growth	13
Payout Ratio	44.23%
Buyback Yield	-0.44%
Shareholder Yield	2.28%
Earnings Yield	6.55%
FCF Yield	n/a

Analyst Forecast

The average price target for TowneBank is $40.50, which is 11.97% higher than the current price. The consensus rating is "Buy".

Price Target	$40.50
Price Target Difference	11.97%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 23, 2012. It was a forward split with a ratio of 1.03:1.

Last Split Date	May 23, 2012
Split Type	Forward
Split Ratio	1.03:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2