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TowneBank TOWN

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Price alert · TOWN

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36.99 USD +0.73 +2.03%

As of Nov 2, 11:41 AM ET

Bid
36.98 × 2
Ask
36.99 × 2
36.20 Day range 37.07
31.91 52-week range 39.03
YTD
+10.83%
1 year
+13.76%
Open
36.59
Prev close
36.25
Mkt cap
3.50B
Vol
212.94K
Avg vol
532.29K
EPS
1.99
P/E
18.59
Div yield
3.07%
More statistics
Low
36.20
High
37.07
Forward P/E
10.30
Beta
0.73
Short ratio
5.01
Inst. own
63.63%
Dividend
1.10
Ex-div date
Sep 24, 2026
Earnings
Jan 27, 2027
50-d avg
36.45
200-d avg
35.65
1y target
40.00

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Financial health

Altman Z-Score

0.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 4
  • P/B 3

Valuation

P/E 15.0×
FY 2016: 28.2×FY 2017: 21.7×FY 2018: 12.7×FY 2019: 14.4×FY 2020: 11.7×FY 2021: 10.6×FY 2022: 11.9×FY 2023: 14.4×FY 2024: 15.8×FY 2025: 15.0×
FY 2016 5y median 14.4× FY 2025
P/S 2.5×
FY 2016: 4.6×FY 2017: 3.9×FY 2018: 2.8×FY 2019: 3.0×FY 2020: 2.3×FY 2021: 3.2×FY 2022: 3.0×FY 2023: 2.4×FY 2024: 2.5×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
P/B 1.1×
FY 2016: 1.8×FY 2017: 1.7×FY 2018: 1.1×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
P/FCF 12.1×
FY 2016: 11.3×FY 2017: 14.9×FY 2018: 5.7×FY 2019: -75.9×FY 2020: 20.7×FY 2021: 4.7×FY 2022: 6.2×FY 2023: 19.0×FY 2024: 31.5×FY 2025: 12.1×
FY 2016 5y median 12.1× FY 2025
EV/EBITDA 10.7×
FY 2016: 20.4×FY 2017: 12.6×FY 2018: 10.5×FY 2019: 11.4×FY 2020: 2.6×FY 2021: -1.7×FY 2022: 5.3×FY 2023: 7.2×FY 2024: 6.7×FY 2025: 10.7×
FY 2016 5y median 6.7× FY 2025
EV/Sales 2.7×
FY 2016: 6.0×FY 2017: 4.4×FY 2018: 3.4×FY 2019: 3.5×FY 2020: 0.8×FY 2021: -0.7×FY 2022: 1.9×FY 2023: 1.7×FY 2024: 1.5×FY 2025: 2.7×
FY 2016 5y median 1.7× FY 2025
FCF Yield 8.3%
FY 2016: 8.8%FY 2017: 6.7%FY 2018: 17.4%FY 2019: -1.3%FY 2020: 4.8%FY 2021: 21.3%FY 2022: 16.2%FY 2023: 5.3%FY 2024: 3.2%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025

Profitability

Gross Margin 69.6%
FY 2016: 89.9%FY 2017: 90.0%FY 2018: 85.4%FY 2019: 82.3%FY 2020: 80.2%FY 2021: 96.6%FY 2022: 91.2%FY 2023: 71.8%FY 2024: 67.6%FY 2025: 69.6%
FY 2016 5y median 71.8% FY 2025
Operating Margin 20.9%
FY 2016: 24.7%FY 2017: 30.0%FY 2018: 28.1%FY 2019: 26.2%FY 2020: 27.1%FY 2021: 38.9%FY 2022: 31.9%FY 2023: 19.8%FY 2024: 18.6%FY 2025: 20.9%
FY 2016 5y median 20.9% FY 2025
Net Margin 16.8%
FY 2016: 16.4%FY 2017: 17.8%FY 2018: 21.8%FY 2019: 20.6%FY 2020: 19.6%FY 2021: 29.9%FY 2022: 25.4%FY 2023: 16.3%FY 2024: 15.8%FY 2025: 16.8%
FY 2016 5y median 16.8% FY 2025
ROE 7.0%
FY 2016: 6.3%FY 2017: 7.7%FY 2018: 8.8%FY 2019: 8.5%FY 2020: 8.2%FY 2021: 11.3%FY 2022: 10.1%FY 2023: 7.5%FY 2024: 7.6%FY 2025: 7.0%
FY 2016 5y median 7.6% FY 2025
ROIC 2.7%
FY 2016: 3.7%FY 2017: 4.5%FY 2018: 4.9%FY 2019: 5.4%FY 2020: 5.5%FY 2021: 8.1%FY 2022: 7.5%FY 2023: 5.3%FY 2024: 5.8%FY 2025: 2.7%
FY 2016 5y median 5.8% FY 2025
ROA 0.9%
FY 2016: 0.8%FY 2017: 1.0%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.0%FY 2021: 1.3%FY 2022: 1.2%FY 2023: 0.9%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue -1.6%
FY 2016: 24.1%FY 2017: 20.4%FY 2018: 24.4%FY 2019: 9.8%FY 2020: 10.3%FY 2021: -3.0%FY 2022: 3.2%FY 2023: 26.9%FY 2024: 8.7%FY 2025: -1.6%
FY 2016 FY 2025
Operating Income 10.4%
FY 2016: 9.0%FY 2017: 46.3%FY 2018: 16.5%FY 2019: 2.5%FY 2020: 14.2%FY 2021: 39.0%FY 2022: -15.3%FY 2023: -21.4%FY 2024: 2.2%FY 2025: 10.4%
FY 2016 FY 2025
EPS (diluted) 2.8%
FY 2016: -3.3%FY 2017: 19.5%FY 2018: 33.3%FY 2019: 2.1%FY 2020: 4.7%FY 2021: 47.8%FY 2022: -12.5%FY 2023: -20.8%FY 2024: 4.4%FY 2025: 2.8%
FY 2016 FY 2025
Free Cash Flow 161.0%
FY 2016: 189.0%FY 2017: -23.6%FY 2018: 132.5%FY 2019: -108.9%FY 2020: 410.9%FY 2021: 493.9%FY 2022: -25.5%FY 2023: -67.7%FY 2024: -30.8%FY 2025: 161.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.7×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.5×
FY 2016: 4.8×FY 2017: 1.6×FY 2018: 2.0×FY 2019: 1.6×FY 2020: -4.7×FY 2021: -9.1×FY 2022: -3.1×FY 2023: -2.9×FY 2024: -4.6×FY 2025: 0.5×
FY 2016 5y median -3.1× FY 2025
Interest Coverage 0.7×
FY 2016: 2.8×FY 2017: 3.4×FY 2018: 2.1×FY 2019: 1.6×FY 2020: 2.5×FY 2021: 6.8×FY 2022: 4.2×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 3.1%
FY 2016: 1.6%FY 2017: 1.8%FY 2018: 2.6%FY 2019: 2.5%FY 2020: 3.1%FY 2021: 2.4%FY 2022: 2.8%FY 2023: 3.2%FY 2024: 2.9%FY 2025: 3.1%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 46.8%
FY 2016: 45.4%FY 2017: 39.3%FY 2018: 33.5%FY 2019: 35.6%FY 2020: 35.9%FY 2021: 25.7%FY 2022: 33.2%FY 2023: 46.4%FY 2024: 46.4%FY 2025: 46.8%
FY 2016 5y median 46.4% FY 2025

Annual · latest fiscal year ends 2025-12-31