TowneBank (TOWN)

TowneBank Statistics

Total Valuation

TowneBank has a market cap or net worth of $2.53 billion. The enterprise value is $2.62 billion.

Market Cap	2.53B
Enterprise Value	2.62B

Important Dates

The last earnings date was Wednesday, October 22, 2025, after market close.

Earnings Date	Oct 22, 2025
Ex-Dividend Date	Sep 29, 2025

Share Statistics

TowneBank has 77.82 million shares outstanding. The number of shares has increased by 1.15% in one year.

Current Share Class	77.82M
Shares Outstanding	77.82M
Shares Change (YoY)	+1.15%
Shares Change (QoQ)	+1.62%
Owned by Insiders (%)	6.87%
Owned by Institutions (%)	58.47%
Float	72.47M

Valuation Ratios

The trailing PE ratio is 14.58 and the forward PE ratio is 9.55.

PE Ratio	14.58
Forward PE	9.55
PS Ratio	3.20
Forward PS	2.52
PB Ratio	1.06
P/TBV Ratio	1.48
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.42
EV / Sales	3.41
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 7.48%.

Return on Equity (ROE)	7.48%
Return on Assets (ROA)	0.93%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$281,838
Profits Per Employee	$62,379
Employee Count	2,720
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, TowneBank has paid $33.33 million in taxes.

Income Tax	33.33M
Effective Tax Rate	16.32%

Stock Price Statistics

The stock price has decreased by -1.87% in the last 52 weeks. The beta is 0.85, so TowneBank's price volatility has been lower than the market average.

Beta (5Y)	0.85
52-Week Price Change	-1.87%
50-Day Moving Average	34.85
200-Day Moving Average	34.72
Relative Strength Index (RSI)	39.12
Average Volume (20 Days)	351,134

Short Selling Information

The latest short interest is 1.93 million, so 2.49% of the outstanding shares have been sold short.

Short Interest	1.93M
Short Previous Month	1.82M
Short % of Shares Out	2.49%
Short % of Float	2.67%
Short Ratio (days to cover)	5.43

Income Statement

In the last 12 months, TowneBank had revenue of $766.60 million and earned $169.67 million in profits. Earnings per share was $2.23.

Revenue	766.60M
Gross Profit	766.60M
Operating Income	255.98M
Pretax Income	204.22M
Net Income	169.67M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.23

Balance Sheet

The company has $275.47 million in cash and $362.23 million in debt, giving a net cash position of -$86.77 million or -$1.12 per share.

Cash & Cash Equivalents	275.47M
Total Debt	362.23M
Net Cash	-86.77M
Net Cash Per Share	-$1.12
Equity (Book Value)	2.41B
Book Value Per Share	30.81
Working Capital	-15.09B

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	33.39%
Pretax Margin	26.64%
Profit Margin	22.13%
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 3.32%.

Dividend Per Share	$1.08
Dividend Yield	3.32%
Dividend Growth (YoY)	4.00%
Years of Dividend Growth	13
Payout Ratio	46.63%
Buyback Yield	-1.15%
Shareholder Yield	2.18%
Earnings Yield	6.71%
FCF Yield	n/a

Analyst Forecast

The average price target for TowneBank is $41.00, which is 26.12% higher than the current price. The consensus rating is "Hold".

Price Target	$41.00
Price Target Difference	26.12%
Analyst Consensus	Hold
Analyst Count	1
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