Symbols / TOWN Stock $35.20 -0.06% TowneBank

Financial Services • Banks - Regional • United States • NMS
TOWN (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. William I. Foster III
Exch · Country NMS · United States
Market Cap 3.25B
Enterprise Value 3.52B
Income 166.80M
Sales 877.21M
FCF (ttm) —
Book/sh 31.10
Cash/sh 2.36
Employees 2,976
Insider 10d —
IPO May 05, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 47.96%
P/E 15.93
Forward P/E 9.10
PEG —
P/S 3.70
P/B 1.13
P/C —
EV/EBITDA —
EV/Sales 4.01
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.21
EPS next Y 3.87
EPS Growth -32.80%
Revenue Growth 29.80%
EPS Gr Q/Q -19.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 0.84%
ROE 6.56%
ROIC —
Gross Margin 0.00%
Oper. Margin 35.85%
Profit Margin 19.02%
Shs Outstand 92.19M
Shs Float 85.49M
Insider Own 5.65%
Instit Own 52.39%
Short Float —
Short Ratio 3.14
Short Interest 2.13M
52W High 37.86
vs 52W High -7.03%
52W Low 31.91
vs 52W Low 10.31%
Beta 0.74
Impl. Vol. 77.10%
Rel Volume 1.11
Avg Volume 528.14K
Volume 588.41K
Target (mean) $40.50
Tgt Median $41.00
Tgt Low $38.00
Tgt High $42.00
# Analysts 4
Recom Buy
Prev Close $35.22
Price $35.20
Change -0.06%
About

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance. The company provides treasury solutions and deposit products, including checking accounts, savings accounts, and various types of time deposit services, such as daily money market accounts and long-term certificates of deposit; transaction accounts and certificates of deposit; and retirement account services comprising individual retirement accounts. It also offers safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts; secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and secured and unsecured loans for working capital, business expansion, equipment and machinery purchases, fixed- and floating-rate mortgage loans, and larger commercial loans, as well as real estate acquisition, development, and construction loans. In addition, the company can act as a qualified intermediary assisting investors; provides other financial services, such as financial, retirement, and estate planning; and offers assistance on a various investment option, including alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Further, it provides residential mortgage loans; residential resort property management; property, casualty, life, and health insurance products for businesses, individuals, and community organizations; and commercial and consumer insurance products and financial services, as well as individual and group life and health insurance. Additionally, the company offers online banking, mobile banking, and on-call banking. TowneBank was incorporated in 1998 and is based in Portsmouth, Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$40.50
Mean price target
2. Current target
$35.20
Latest analyst target
3. DCF / Fair value
$33.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$35.20
Low
$38.00
High
$42.00
Mean
$40.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-01-23 reit Stephens & Co. Equal-Weight → Equal-Weight $41
2024-10-02 up Keefe, Bruyette & Woods Market Perform → Outperform $40
2024-07-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $35
2024-01-05 main Raymond James Outperform → Outperform $32
2023-09-13 init Stephens & Co. — → Equal-Weight $23
2023-08-11 init Hovde Group — → Market Perform $27
2023-05-08 main Keefe, Bruyette & Woods — → Market Perform $25
2023-05-03 main Raymond James — → Outperform $28
2023-05-01 main Piper Sandler — → Overweight $28
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $28
2021-02-03 up Piper Sandler Neutral → Overweight $28
2020-10-29 main Piper Sandler — → Neutral $20
2020-01-07 init Stephens & Co. — → Equal-Weight $28
2019-07-16 init Piper Sandler — → Neutral $27
2018-10-26 main Raymond James Outperform → Outperform $31
2018-04-26 up Raymond James Market Perform → Outperform —
2016-07-29 main Keefe, Bruyette & Woods — → Market Perform $24
2015-08-24 init Keefe, Bruyette & Woods Market Perform → — $19
News
RSS: Latest TOWN news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-10 G ROBIN PERKINS III Director — 26 $35.85 $932
2026-04-10 LESTER HARRY T Director — 124 $35.85 $4,445
2026-04-10 JENKINS FRANK E. JR. Director — 44 $35.85 $1,577
2026-04-10 FLY KEVIN L Officer — 2 $35.72 $71
2026-04-10 PERRY CHRISTOPHER J Director — 57 $35.85 $2,043
2026-04-10 PERRY CHRISTOPHER J Director — 27 $35.74 $965
2026-04-10 OMAN ROBERT M Director — 191 $35.85 $6,847
2026-04-10 MORRISON WILLIAM T Officer and Director — 1,280 $35.81 $45,837
2026-04-10 CLARK ROBERT LEE PH.D. Chief Operating Officer — 6 $35.74 $214
2026-04-10 JUNG HOWARD J Director — 196 $35.85 $7,027
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
833.68
+20.47%
692.04
-0.34%
694.38
+1.17%
686.38
Operating Revenue
833.68
+20.47%
692.04
-0.34%
694.38
+1.17%
686.38
Selling General And Administration
348.83
+8.49%
321.53
+5.34%
305.22
+9.04%
279.92
Selling And Marketing Expense
15.13
-3.20%
15.63
+1.54%
15.39
-3.79%
16.00
General And Administrative Expense
333.70
+9.09%
305.90
+5.54%
289.83
+9.82%
263.92
Salaries And Wages
321.38
+9.28%
294.08
+7.49%
273.60
+6.03%
258.04
Other Gand A
—
—
—
—
Reconciled Depreciation
40.23
+14.71%
35.07
+2.46%
34.22
+19.26%
28.70
Total Unusual Items
-55.23
-4015.28%
-1.34
+86.01%
-9.59
-800.85%
-1.06
Total Unusual Items Excluding Goodwill
-55.23
-4015.28%
-1.34
+86.01%
-9.59
-800.85%
-1.06
Special Income Charges
-55.23
-4015.28%
-1.34
+86.01%
-9.59
-800.85%
-1.06
Other Special Charges
—
—
—
—
Restructuring And Mergern Acquisition
55.23
+4015.28%
1.34
-86.01%
9.59
+800.85%
1.06
Net Income
169.53
+5.06%
161.36
+5.32%
153.21
-18.93%
188.99
Pretax Income
210.22
+10.69%
189.92
+2.37%
185.51
-21.74%
237.05
Net Interest Income
563.61
+27.34%
442.61
-3.31%
457.78
-0.78%
461.37
Interest Expense
282.65
-14.84%
331.92
+34.13%
247.46
+337.44%
56.57
Interest Income
846.26
+9.26%
774.53
+9.82%
705.24
+36.16%
517.94
Gain On Sale Of Security
2.13
+583.01%
0.31
-96.67%
9.38
0.00
Tax Provision
39.42
+43.13%
27.55
-10.90%
30.91
-33.63%
46.58
Tax Rate For Calcs
0.00
+29.42%
0.00
-13.16%
0.00
-14.56%
0.00
Tax Effect Of Unusual Items
-10.42
-5226.15%
-0.20
+87.85%
-1.61
-669.72%
-0.21
Net Income Including Noncontrolling Interests
170.79
+5.18%
162.37
+5.03%
154.60
-18.83%
190.47
Net Income From Continuing Operation Net Minority Interest
169.53
+5.06%
161.36
+5.32%
153.21
-18.93%
188.99
Net Income From Continuing And Discontinued Operation
169.53
+5.06%
161.36
+5.32%
153.21
-18.93%
188.99
Net Income Continuous Operations
170.79
+5.18%
162.37
+5.03%
154.60
-18.83%
190.47
Minority Interests
-1.26
-24.39%
-1.02
+26.99%
-1.39
+6.01%
-1.48
Normalized Income
214.33
+31.89%
162.50
+0.82%
161.19
-15.09%
189.84
Net Income Common Stockholders
169.53
+5.06%
161.36
+5.32%
153.21
-18.93%
188.99
Diluted EPS
2.21
+2.79%
2.15
+4.88%
2.05
-21.15%
2.60
Basic EPS
2.22
+3.26%
2.15
+4.88%
2.05
-21.15%
2.60
Basic Average Shares
76.41
+1.98%
74.93
+0.38%
74.65
+2.88%
72.56
Diluted Average Shares
76.75
+2.10%
75.17
+0.68%
74.66
+2.87%
72.58
Diluted NI Availto Com Stockholders
169.53
+5.06%
161.36
+5.32%
153.21
-18.93%
188.99
Amortization
16.78
+31.40%
12.77
-9.79%
14.15
+33.29%
10.62
Amortization Of Intangibles Income Statement
16.78
+31.40%
12.77
-9.79%
14.15
+33.29%
10.62
Depreciation Amortization Depletion Income Statement
16.78
+31.40%
12.77
-9.79%
14.15
+33.29%
10.62
Depreciation And Amortization In Income Statement
16.78
+31.40%
12.77
-9.79%
14.15
+33.29%
10.62
Insurance And Claims
12.32
+4.26%
11.82
-27.16%
16.23
+176.24%
5.88
Occupancy And Equipment
60.23
+5.80%
56.93
+5.30%
54.06
+8.67%
49.75
Other Non Interest Expense
109.38
+13.68%
96.22
+2.46%
93.90
+4.44%
89.91
Professional Expense And Contract Services Expense
11.12
-26.51%
15.13
+23.18%
12.29
+22.61%
10.02
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
19,687.34
+14.21%
17,238.32
+2.40%
16,835.04
Cash And Cash Equivalents
1,350.65
+0.83%
1,339.47
+18.71%
1,128.36
Cash Financial
129.94
+19.49%
108.75
+27.07%
85.58
Other Short Term Investments
167.56
+168.82%
62.33
-97.07%
2,129.34
Net PPE
430.99
+16.84%
368.88
+9.26%
337.60
Gross PPE
652.74
+15.24%
566.43
+9.10%
519.20
Accumulated Depreciation
-221.75
-12.25%
-197.56
-8.78%
-181.60
Land And Improvements
77.56
+24.30%
62.39
+13.52%
54.96
Buildings And Improvements
344.46
+17.56%
293.01
+16.60%
251.31
Machinery Furniture Equipment
116.15
+10.11%
105.49
+5.69%
99.81
Construction In Progress
9.24
-25.16%
12.35
-39.03%
20.26
Other Properties
67.38
+16.30%
57.94
+1.20%
57.25
Leases
37.96
+7.68%
35.25
-1.02%
35.61
Goodwill And Other Intangible Assets
690.61
+33.38%
517.79
-0.61%
520.97
Goodwill
594.08
+29.82%
457.62
+0.28%
456.33
Other Intangible Assets
96.53
+60.42%
60.17
-6.91%
64.63
Investments And Advances
2,879.04
+11.69%
2,577.74
-1.64%
2,620.64
Total Liabilities Net Minority Interest
17,258.33
+14.36%
15,091.26
+2.11%
14,779.16
Long Term Debt And Capital Lease Obligation
336.32
+27.77%
263.22
-42.75%
459.75
Long Term Debt
336.32
+27.77%
263.22
-42.75%
459.75
Stockholders Equity
2,422.07
+13.63%
2,131.63
+4.49%
2,039.97
Common Stock Equity
2,422.07
+13.63%
2,131.63
+4.49%
2,039.97
Capital Stock
131.63
+4.92%
125.45
+0.49%
124.85
Common Stock
131.63
+4.92%
125.45
+0.49%
124.85
Preferred Stock
0.00
0.00
0.00
Share Issued
80.05
+4.91%
76.30
+1.88%
74.89
Ordinary Shares Number
78.96
+4.93%
75.26
+1.85%
73.89
Treasury Shares Number
1.09
+3.84%
1.05
+4.12%
1.00
Additional Paid In Capital
1,254.78
+11.82%
1,122.15
+0.84%
1,112.76
Retained Earnings
1,087.34
+8.73%
1,000.07
+8.57%
921.13
Gains Losses Not Affecting Retained Earnings
-51.69
+55.46%
-116.05
+2.29%
-118.76
Minority Interest
6.94
-55.01%
15.43
-3.00%
15.91
Other Equity Adjustments
-51.69
+55.46%
-116.05
+2.29%
-118.76
Total Equity Gross Minority Interest
2,429.01
+13.13%
2,147.06
+4.44%
2,055.88
Total Capitalization
2,758.39
+15.18%
2,394.85
-4.20%
2,499.73
Invested Capital
2,758.39
+15.18%
2,394.85
-4.20%
2,499.73
Total Debt
336.32
+27.77%
263.22
-42.75%
459.75
Net Tangible Assets
1,731.46
+7.29%
1,613.84
+6.24%
1,519.00
Tangible Book Value
1,731.46
+7.29%
1,613.84
+6.24%
1,519.00
Available For Sale Securities
2,610.86
+10.73%
2,357.92
+16996.32%
13.79
Cash Cash Equivalents And Federal Funds Sold
1,350.65
+0.83%
1,339.47
+18.71%
1,128.36
Held To Maturity Securities
100.62
-36.11%
157.49
-67.02%
477.51
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
261.47
+89.86%
137.72
-13.49%
159.20
-61.68%
415.50
Cash Flow From Continuing Operating Activities
261.47
+89.86%
137.72
-13.49%
159.20
-61.68%
415.50
Net Income From Continuing Operations
170.79
+5.18%
162.37
+5.03%
154.60
-18.83%
190.47
Depreciation Amortization Depletion
40.23
+14.71%
35.07
+2.46%
34.22
+19.26%
28.70
Depreciation
40.23
+14.71%
35.07
+2.46%
34.22
+19.26%
28.70
Depreciation And Amortization
40.23
+14.71%
35.07
+2.46%
34.22
+19.26%
28.70
Other Non Cash Items
113.60
+1334.32%
7.92
+221.04%
2.47
-99.24%
326.21
Stock Based Compensation
9.71
+23.38%
7.87
+12.12%
7.02
+34.62%
5.22
Deferred Tax
-16.48
-41.70%
-11.63
-250.38%
-3.32
-132.02%
10.37
Deferred Income Tax
-16.48
-41.70%
-11.63
-250.38%
-3.32
-132.02%
10.37
Operating Gains Losses
-74.18
-6.07%
-69.94
-1.98%
-68.58
+10.02%
-76.22
Gain Loss On Investment Securities
-2.01
-2610.81%
-0.07
+99.21%
-9.38
0.00
Gain Loss On Sale Of PPE
0.07
+110.17%
-0.64
+69.61%
-2.10
—
Change In Working Capital
-4.53
-255.58%
2.91
-58.74%
7.06
+107.84%
-90.02
Change In Receivables
-8.12
-554.03%
1.79
+121.05%
-8.49
+39.41%
-14.02
Changes In Account Receivables
-8.12
-554.03%
1.79
+121.05%
-8.49
+39.41%
-14.02
Change In Payables And Accrued Expense
0.71
+130.53%
-2.33
-113.69%
17.01
+1027.79%
1.51
Change In Payable
0.71
+130.53%
-2.33
-113.69%
17.01
+1027.79%
1.51
Change In Account Payable
0.71
+130.53%
-2.33
-113.69%
17.01
+1027.79%
1.51
Change In Other Current Assets
16.20
-34.59%
24.78
+406.71%
-8.08
+45.17%
-14.73
Change In Other Current Liabilities
-13.33
+37.48%
-21.32
-421.89%
6.62
+110.55%
-62.77
Investing Cash Flow
-386.89
-91.41%
-202.13
+39.41%
-333.57
+83.71%
-2,047.21
Cash Flow From Continuing Investing Activities
-386.89
-91.41%
-202.13
+39.41%
-333.57
+83.71%
-2,047.21
Net PPE Purchase And Sale
-48.14
+7.97%
-52.31
-28.10%
-40.83
+20.72%
-51.50
Purchase Of PPE
-49.80
+12.05%
-56.63
-34.72%
-42.03
+19.61%
-52.29
Sale Of PPE
1.66
-61.50%
4.32
+260.22%
1.20
+52.93%
0.78
Capital Expenditure
-49.80
+12.05%
-56.63
-34.72%
-42.03
+19.61%
-52.29
Net Investment Purchase And Sale
54.50
+307.25%
-26.30
+38.73%
-42.92
+93.97%
-711.23
Purchase Of Investment
-343.44
+39.10%
-563.95
-130.52%
-244.64
+72.52%
-890.25
Sale Of Investment
397.94
-25.99%
537.65
+166.53%
201.72
+12.68%
179.02
Net Business Purchase And Sale
-54.21
-438.05%
-10.07
-156.68%
17.78
+835.15%
-2.42
Purchase Of Business
—
—
—
-2.42
Net Other Investing Changes
1.72
-90.26%
17.67
+250.34%
-11.76
-365.23%
4.43
Financing Cash Flow
136.60
-50.42%
275.53
+83.81%
149.90
+129.27%
-512.10
Cash Flow From Continuing Financing Activities
136.60
-50.42%
275.53
+83.81%
149.90
+129.27%
-512.10
Net Issuance Payments Of Debt
-1.07
+99.46%
-196.54
-240.48%
139.91
+184.97%
-164.67
Issuance Of Debt
0.05
-98.50%
3.34
0.00
-100.00%
246.90
Repayment Of Debt
-0.77
-3.52%
-0.74
+40.36%
-1.24
+99.67%
-375.75
Long Term Debt Issuance
0.05
-98.50%
3.34
0.00
-100.00%
246.90
Long Term Debt Payments
-0.77
-3.52%
-0.74
+40.36%
-1.24
+99.67%
-375.75
Net Long Term Debt Issuance
-0.71
-127.50%
2.60
+309.85%
-1.24
+99.04%
-128.84
Net Short Term Debt Issuance
-0.35
+99.82%
-199.14
-241.08%
141.15
+494.00%
-35.83
Common Stock Payments
-0.57
—
—
—
Common Stock Dividend Paid
-79.30
-5.71%
-75.02
-5.09%
-71.38
-13.75%
-62.75
Cash Dividends Paid
-79.30
-5.71%
-75.02
-5.09%
-71.38
-13.75%
-62.75
Repurchase Of Capital Stock
-0.57
—
—
—
Proceeds From Stock Option Exercised
—
—
—
0.00
Net Other Financing Charges
-5.86
-898.64%
-0.59
+80.72%
-3.04
+42.30%
-5.28
Changes In Cash
11.17
-94.71%
211.12
+962.66%
-24.47
+98.86%
-2,143.81
Beginning Cash Position
1,339.47
+18.71%
1,128.36
-2.12%
1,152.83
-65.03%
3,296.64
End Cash Position
1,350.65
+0.83%
1,339.47
+18.71%
1,128.36
-2.12%
1,152.83
Free Cash Flow
211.67
+161.02%
81.09
-30.79%
117.17
-67.74%
363.22
Interest Paid Supplemental Data
281.94
-15.65%
334.25
+45.04%
230.46
+318.53%
55.06
Income Tax Paid Supplemental Data
7.54
+287.01%
1.95
-85.52%
13.45
-44.39%
24.18
Amortization Of Securities
-1.61
-143.70%
3.68
-47.72%
7.05
-42.11%
12.17
Common Stock Issuance
—
3.58
0.00
0.00
Issuance Of Capital Stock
—
3.58
0.00
0.00
Net Investment Properties Purchase And Sale
5.21
-5.87%
5.54
-25.66%
7.45
+6.54%
6.99
Sale Of Business
—
—
17.78
0.00
Sale Of Investment Properties
5.21
-5.87%
5.54
-25.66%
7.45
+6.54%
6.99
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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