Company Overview
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.
Why Investors Should Care
Trades at an undemanding P/E of 17.4.
Maintains a net profit margin of 19.0%.
Carries low leverage with a debt-to-equity ratio of 0.14.
Offers a dividend yield of 3.05%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $833.68M (+20.5% YoY); net profit $169.53M.
- Trailing 12 Months Year-on-year growth — revenue +36.2%, earnings -22.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.7%, profit CAGR -3.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.70% |
| 1 Year: | 36.20% |
Compounded Profit Growth
| 5 Years: | -3.56% |
| 1 Year: | -22.00% |
Stock Price Performance
| 1 Year: | +6.29% |
| 6 Months: | +9.04% |
| 3 Months: | +4.18% |
| 1 Month: | +2.00% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.96 · Neutral
P/E of 17.36 is above the sector median of 13.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Attractive dividend yield of 3.05%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -3.6% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TOWN TowneBank R2K | 36.10 | 17.36 | $3.30B | 3.05% | - | 6.56% | 6.70% | -3.56% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 183.10M | 207.44M | 215.66M | 218.53M | 246.45M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 69.14M | 70.42M | 71.39M | 71.70M | 77.46M |
| Pretax Income | - | 50.14M | 50.37M | 46.65M | 54.11M | 50.22M |
| Tax Provision | - | 6.13M | 11.10M | 7.36M | 12.77M | 9.12M |
| Net Income | - | 43.71M | 38.84M | 38.98M | 41.12M | 40.99M |
| Diluted EPS | 0.55 | 0.58 | 0.51 | 0.51 | - | 0.45 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 686.38M | 694.38M | 692.04M | 833.68M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 56.57M | 247.46M | 331.92M | 282.65M |
| Pretax Income | - | 237.05M | 185.51M | 189.92M | 210.22M |
| Tax Provision | - | 46.58M | 30.91M | 27.55M | 39.42M |
| Net Income | - | 188.99M | 153.21M | 161.36M | 169.53M |
| Diluted EPS | - | 2.60 | 2.05 | 2.15 | 2.21 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 15.85B | 16.84B | 17.24B | 19.69B |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 1.15B | 1.13B | 1.34B | 1.35B |
| Inventory | - | - | - | - |
| Receivables | - | - | - | - |
| Total Liabilities | 13.96B | 14.78B | 15.09B | 17.26B |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 277.09M | 459.75M | 263.22M | 336.32M |
| Total Debt | 277.09M | 459.75M | 263.22M | 336.32M |
| Total Equity | 1.87B | 2.04B | 2.13B | 2.42B |
| Shares Outstanding | 72.84M | 74.89M | 76.30M | 80.05M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 415.50M | 159.20M | 137.72M | 261.47M |
| Investing Cash Flow | - | -2.05B | -333.57M | -202.13M | -386.89M |
| Financing Cash Flow | - | -512.10M | 149.90M | 275.53M | 136.60M |
| Capital Expenditure | - | -52.29M | -42.03M | -56.63M | -49.80M |
| Free Cash Flow | - | 363.22M | 117.17M | 81.09M | 211.67M |
| Net Change in Cash | - | -2.14B | -24.47M | 211.12M | 11.17M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 27.5% | 22.1% | 23.3% | 20.3% |
| ROE % | - | 10.1% | 7.5% | 7.6% | 7.0% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.32% | 6.24M | $226.71M |
| 2 | Vanguard Portfolio Management LLC | 6.51% | 4.88M | $177.36M |
| 3 | T. Rowe Price Investment Management, Inc. | 6.13% | 4.60M | $167.05M |
| 4 | Dimensional Fund Advisors LP | 5.87% | 4.40M | $159.90M |
| 5 | Vanguard Capital Management LLC | 5.19% | 3.90M | $141.61M |
| 6 | State Street Corporation | 3.41% | 2.56M | $92.93M |
| 7 | Geode Capital Management, LLC | 2.92% | 2.19M | $79.59M |
| 8 | Victory Capital Management Inc. | 2.63% | 1.98M | $71.83M |
| 9 | Brown Advisory Inc. | 2.05% | 1.54M | $56.00M |
| 10 | Patriot Financial Partners Gp II, L.P. | 2.02% | 1.52M | $55.18M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for TOWN
TOWN — Frequently Asked Questions
What is the current share price of TowneBank (TOWN)?
As of 2026-07-15 16:51 PDT, TowneBank (TOWN) trades at $36.10 on NasdaqGS. Its 52-week range is $30.65 to $36.69.
What is the market capitalisation of TOWN?
TowneBank (TOWN) has a market capitalisation of $3.30B on NasdaqGS.
What is the P/E ratio of TOWN?
TOWN trades at a trailing price-to-earnings (P/E) ratio of 17.36. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.15.
Does TOWN pay a dividend?
TowneBank (TOWN) currently offers a dividend yield of 3.05%.
What is the return on equity (ROE) of TOWN?
TOWN has a return on equity (ROE) of 6.56%.
Is TOWN a good stock to buy?
This page provides a data-driven analysis of TowneBank (TOWN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.