TOWN Stock Overview
Provides retail and commercial banking services for individuals, commercial enterprises, and professionals in Virginia and North Carolina. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 4/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for TOWN from our risk checks.
TowneBank Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$30.64 |
| 52 Week High | US$38.28 |
| 52 Week Low | US$25.70 |
| Beta | 0.81 |
| 1 Month Change | -11.27% |
| 3 Month Change | -8.46% |
| 1 Year Change | 16.95% |
| 3 Year Change | 5.69% |
| 5 Year Change | 68.63% |
| Change since IPO | 364.37% |
Recent News & Updates
Recent updates
TowneBank's (NASDAQ:TOWN) Dividend Will Be $0.25
Mar 12
TowneBank (NASDAQ:TOWN) Analysts Are Pretty Bullish On The Stock After Recent Results
Jan 26TowneBank (NASDAQ:TOWN) Is Due To Pay A Dividend Of $0.25
Dec 03TowneBank (NASDAQ:TOWN) Has Announced A Dividend Of $0.25
Sep 27TowneBank's (NASDAQ:TOWN) Dividend Will Be $0.25
Aug 31TowneBank (NASDAQ:TOWN) Has Affirmed Its Dividend Of $0.25
Jun 04TowneBank: Manageable CRE Exposure, But The Stock Is A Bit Too Expensive
May 08The TowneBank (NASDAQ:TOWN) First-Quarter Results Are Out And Analysts Have Published New Forecasts
Apr 26TowneBank's (NASDAQ:TOWN) Shareholders Will Receive A Bigger Dividend Than Last Year
May 28TowneBank declares $0.23 dividend
Aug 24TowneBank GAAP EPS of $0.64 beats by $0.03, revenue of $166.98M
Jul 28Shareholder Returns
| TOWN | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.4% | 3.9% | 5.8% |
| 1Y | 16.9% | 10.6% | 4.8% |
Return vs Industry: TOWN exceeded the US Banks industry which returned 10.5% over the past year.
Return vs Market: TOWN exceeded the US Market which returned 3.6% over the past year.
Price Volatility
| TOWN volatility | |
|---|---|
| TOWN Average Weekly Movement | 4.3% |
| Banks Industry Average Movement | 4.6% |
| Market Average Movement | 7.7% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 4.1% |
Stable Share Price: TOWN has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: TOWN's weekly volatility (4%) has been stable over the past year.
Community vs My Fair Value
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About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1998 | 2,720 | Bill Foster | www.townebank.com |
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in Virginia and North Carolina. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposits, and individual retirement accounts.
TowneBank Fundamentals Summary
| TOWN fundamental statistics | |
|---|---|
| Market cap | US$2.27b |
| Earnings (TTM) | US$161.76m |
| Revenue (TTM) | US$694.30m |
14.1x
P/E Ratio1.1x
P/B RatioIs TOWN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TOWN income statement (TTM) | |
|---|---|
| Revenue | US$694.30m |
| Cost of Revenue | US$0 |
| Gross Profit | US$694.30m |
| Other Expenses | US$532.54m |
| Earnings | US$161.76m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.18 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.30% |
| Debt/Equity Ratio | 14.0% |
How did TOWN perform over the long term?
See historical performance and comparisonDividends
3.3%
Current Dividend Yield46%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/04/14 04:21 |
| End of Day Share Price | 2025/04/11 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
TowneBank is covered by 10 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Brett Scheiner | FBR Capital Markets & Co. |
| David Bishop | Hovde Group, LLC |
| Christopher McGratty | Keefe, Bruyette, & Woods |