Towne Bank (TOWN)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 37.90 $ — 87% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 10.7% failed
- More than 10% revenue growth is expected for the coming year 5.1% failed
- Share count grows by less than 3% a year 1.9% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 19.4% failed
- Gross margin at 40% or higher and without meaningful erosion 69.6% failed
- Goodwill from acquisitions does not grow faster than revenue 3.0% passed
- Net debt below twice EBITDA 0.5 x EBITDA passed
- Operating cash flow covers the profits of the last three years 76 m passed
- Return on capital at 15% or higher, or up versus two years ago 3.4% failed
- Insiders hold at least 10% or are net buyers 5.7% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 4.9% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 4
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.14 | 3.09 – 3.21 | 1,064 | 4.0% | 4 |
| 12/31/2027 | 3.43 | 3.40 – 3.45 | 1,116 | 9.3% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.82 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.55 | 42.30 | 254 | 9.00 | 16.30 | 98 | 89 |
| 2025: Q1 | 0.67 | 44.80 | 261 | 4.10 | 19.40 | 122 | 111 |
| 2025: Q2 | 0.51 | -10.00 | 278 | 6.50 | 14.00 | -31 | -43 |
| 2025: Q3 | 0.51 | -11.20 | 287 | 10.90 | 13.60 | 53 | 41 |
| 2025: Q4 | 0.51 | -6.30 | 255 | 0.50 | 15.90 | 117 | 102 |
| 2026: Q1 | 0.45 | -32.60 | 261 | -0.20 | 15.70 | 40 | 27 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 409 | 101 | 67 | 1.18 | 185 | 1,075 | 7,974 |
| 2017 | 492 | 148 | 88 | 1.41 | 141 | 1,131 | 8,522 |
| 2018 | 613 | 172 | 134 | 1.88 | 318 | 1,526 | 11,163 |
| 2019 | 673 | 176 | 139 | 1.92 | -16 | 1,641 | 11,948 |
| 2020 | 742 | 201 | 146 | 2.01 | 128 | 13,921 | 14,626 |
| 2021 | 720 | 280 | 215 | 2.97 | 519 | 15,956 | 16,361 |
| 2022 | 743 | 237 | 189 | 2.60 | 416 | 15,593 | 15,845 |
| 2023 | 943 | 186 | 154 | 2.06 | 161 | 2,040 | 16,835 |
| 2024 | 1,024 | 190 | 162 | 2.15 | 138 | 2,139 | 17,247 |
| 2025 | 1,008 | 210 | 170 | 2.21 | 261 | 2,422 | 19,687 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
TowneBank bietet Privat- und Firmenkunden-Bankdienstleistungen für Privatpersonen, Unternehmen und Fachkräfte in den USA an. Sie ist in vier Segmenten tätig: Banking, Mortgage, Resort Vacation Management und Insurance.
| Employees | 2,976 |
|---|---|
| Headquarters | Portsmouth, VA |
| Address | 5716 High Street, 23703 Portsmouth, United States |
| Phone | 757 638 7500 |
| Website | townebank.com |
| IPO Date | 7. May 1999 |
| ISIN | US89214P1093 |
| Stock Split | 103:100 on 05/23/2012 |
Management
| Name | Title | Birth Year |
|---|---|---|
| G. Robert Aston Jr. | Executive Chairman | 1945 |
| William I. Foster III | CEO, President & Director | 1956 |
| William B. Littreal CPA | Senior Executive VP & CFO | 1970 |
| Ernest S. Piccioli | Senior Executive VP & Chief Risk Officer | 1967 |
| William T. Morrison | Director | 1963 |
| Steven W. Jones | President of the Carolinas & Director | 1969 |
| R. Lee Clark | Senior Executive VP & COO | 1968 |
| Kevin L. Fly | Senior EVP & Chief Accounting Officer | 1966 |
| Varun Chandhok | Senior EVP & Chief Information Officer | 1973 |
| George P. Whitley J.D. | Senior Executive VP & Chief Legal Officer | 1953 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.