TowneBank Statistics
Total Valuation
TowneBank has a market cap or net worth of $2.51 billion. The enterprise value is $2.62 billion.
Important Dates
The next estimated earnings date is Wednesday, July 23, 2025, after market close.
| Earnings Date | Jul 23, 2025 |
| Ex-Dividend Date | Jun 27, 2025 |
Share Statistics
TowneBank has 73.30 million shares outstanding. The number of shares has increased by 0.65% in one year.
| Current Share Class | 73.30M |
| Shares Outstanding | 73.30M |
| Shares Change (YoY) | +0.65% |
| Shares Change (QoQ) | +0.29% |
| Owned by Insiders (%) | 7.17% |
| Owned by Institutions (%) | 59.98% |
| Float | 68.05M |
Valuation Ratios
The trailing PE ratio is 14.49 and the forward PE ratio is 12.15.
| PE Ratio | 14.49 |
| Forward PE | 12.15 |
| PS Ratio | 3.58 |
| Forward PS | 2.98 |
| PB Ratio | 1.16 |
| P/TBV Ratio | 1.49 |
| P/FCF Ratio | 15.33 |
| P/OCF Ratio | 11.30 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.72 |
| EV / Sales | 3.65 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.99 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.09 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.34%.
| Return on Equity (ROE) | 8.34% |
| Return on Assets (ROA) | 1.04% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $263,214 |
| Profits Per Employee | $65,317 |
| Employee Count | 2,720 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, TowneBank has paid $28.59 million in taxes.
| Income Tax | 28.59M |
| Effective Tax Rate | 13.81% |
Stock Price Statistics
The stock price has increased by +29.22% in the last 52 weeks. The beta is 0.84, so TowneBank's price volatility has been lower than the market average.
| Beta (5Y) | 0.84 |
| 52-Week Price Change | +29.22% |
| 50-Day Moving Average | 33.31 |
| 200-Day Moving Average | 34.38 |
| Relative Strength Index (RSI) | 51.22 |
| Average Volume (20 Days) | 224,673 |
Short Selling Information
The latest short interest is 1.25 million, so 1.71% of the outstanding shares have been sold short.
| Short Interest | 1.25M |
| Short Previous Month | 1.19M |
| Short % of Shares Out | 1.71% |
| Short % of Float | 1.84% |
| Short Ratio (days to cover) | 5.70 |
Income Statement
In the last 12 months, TowneBank had revenue of $715.94 million and earned $177.66 million in profits. Earnings per share was $2.36.
| Revenue | 715.94M |
| Gross Profit | 715.94M |
| Operating Income | 220.80M |
| Pretax Income | 178.91M |
| Net Income | 177.66M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.36 |
Full Income StatementBalance Sheet
The company has $232.82 million in cash and $341.83 million in debt, giving a net cash position of -$109.01 million or -$1.49 per share.
| Cash & Cash Equivalents | 232.82M |
| Total Debt | 341.83M |
| Net Cash | -109.01M |
| Net Cash Per Share | -$1.49 |
| Equity (Book Value) | 2.22B |
| Book Value Per Share | 29.60 |
| Working Capital | -13.14B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $221.86 million and capital expenditures -$58.30 million, giving a free cash flow of $163.57 million.
| Operating Cash Flow | 221.86M |
| Capital Expenditures | -58.30M |
| Free Cash Flow | 163.57M |
| FCF Per Share | $2.23 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 30.84% |
| Pretax Margin | 28.92% |
| Profit Margin | 24.82% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 22.85% |
Dividends & Yields
This stock pays an annual dividend of $1.08, which amounts to a dividend yield of 3.16%.
| Dividend Per Share | $1.08 |
| Dividend Yield | 3.16% |
| Dividend Growth (YoY) | 2.00% |
| Years of Dividend Growth | 10 |
| Payout Ratio | 45.76% |
| Buyback Yield | -0.65% |
| Shareholder Yield | 2.50% |
| Earnings Yield | 7.09% |
| FCF Yield | 6.52% |
Dividend DetailsAnalyst Forecast
The average price target for TowneBank is $40.50, which is 18.40% higher than the current price. The consensus rating is "Buy".
| Price Target | $40.50 |
| Price Target Difference | 18.40% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |