TOWN
TowneBank
Price Chart
Latest Quote
$34.50
-0.62 (-1.77%)
Current Price
| Previous Close | $35.12 |
| Open | $34.95 |
| Day High | $35.32 |
| Day Low | $34.16 |
| Volume | 617,367 |
Stock Information
| Shares Outstanding | 91.30M |
| Total Debt | $575.83M |
| Cash Equivalents | $224.87M |
| Revenue | $877.21M |
| Net Income | $166.80M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $3.15B |
| P/E Ratio | 16.59 |
| EPS (TTM) | $2.08 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $3.56B |
| Sales | $877.21M |
| Income | $166.80M |
| Book/sh | $31.68 |
| Cash/sh | $2.46 |
| Employees | 3K |
Financial Ratios
| EPS Growth TTM | -6.20% |
Returns & Margins
| ROA | 0.84% |
| ROE | 6.56% |
| Operating Margin | 35.85% |
| Profit Margin | 19.02% |
Ownership
| Insider Ownership | 5.67% |
| Institutional Ownership | 61.28% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.90 |
| P/S | 3.59 |
| P/B | 1.09 |
Analyst Data
| Recommendation | none |
| Target Price | $39.25 |
Technical Indicators
| SMA20 | $34.42 |
| SMA50 | $34.60 |
| SMA200 | $33.62 |
| RSI | 54.58 |
| ATR | 0.7550 |
| Shares Float | 85.48M |
| Short Ratio | 3.34 |
| Volatility | 0.71 |
| Rel Volume | 1.21 |
Performance History
| Week | -1.54% |
| Month | +0.79% |
| Quarter | +9.46% |
| 6 Months | +0.67% |
| YTD | +6.79% |
| Year | +10.56% |
| 3 Years | +54.36% |
| 5 Years | +31.65% |
| 10 Years | +117.02% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $34.50 | 669,100 |
| 2026-06-16 | $35.12 | 557,500 |
| 2026-06-15 | $35.09 | 478,100 |
| 2026-06-12 | $35.67 | 493,100 |
| 2026-06-11 | $35.15 | 464,300 |
| 2026-06-10 | $35.04 | 552,900 |
| 2026-06-09 | $34.64 | 493,200 |
| 2026-06-08 | $34.10 | 447,100 |
| 2026-06-05 | $34.14 | 793,800 |
| 2026-06-04 | $33.96 | 496,400 |
| 2026-06-03 | $33.16 | 481,800 |
| 2026-06-02 | $33.83 | 423,700 |
| 2026-06-01 | $33.45 | 488,300 |
| 2026-05-29 | $34.07 | 586,400 |
| 2026-05-28 | $33.99 | 546,000 |
| 2026-05-27 | $34.04 | 672,200 |
| 2026-05-26 | $34.58 | 734,200 |
| 2026-05-22 | $34.63 | 484,300 |
| 2026-05-21 | $34.59 | 558,400 |
| 2026-05-20 | $34.61 | 678,100 |
| 2026-05-19 | $34.09 | 501,700 |
| 2026-05-18 | $34.23 | 370,000 |
About TowneBank
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.
đ° Latest News
Unpacking Q4 Earnings: TowneBank (NASDAQ:TOWN) In The Context Of Other Regional Banks Stocks
StockStory âĸ 2026-06-16T15:21:04Z
3 Stocks Under $50 with Warning Signs
StockStory âĸ 2026-06-15T09:48:07Z
1 Russell 2000 Stock to Own for Decades and 2 We Find Risky
StockStory âĸ 2026-06-08T16:29:50Z
TowneBank (TOWN) Valuation Check After Dividend Increase And $25 Million Foundation Donation
Simply Wall St. âĸ 2026-05-22T11:09:42Z
1 Small-Cap Stock to Keep an Eye On and 2 We Avoid
StockStory âĸ 2026-05-21T21:48:55Z
2 Growth Stocks with All-Star Potential and 1 We Avoid
StockStory âĸ 2026-05-17T06:04:55Z
Patriot Financial Partners Makes Major TowneBank Investment
Motley Fool âĸ 2026-05-06T23:19:59Z
TowneBank and Coastal Financial Stocks Trade Down, What You Need To Know
StockStory âĸ 2026-05-05T19:00:55Z
TowneBank (TOWN) Valuation Check As Mixed Metrics Contrast With Strong Three Year Shareholder Returns
Simply Wall St. âĸ 2026-04-25T23:06:21Z
TowneBank (TOWN) Meets Q1 Earnings Estimates
Zacks âĸ 2026-04-22T23:00:06Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $833,685,000 | $692,043,000 | $694,380,000 | $686,376,000 |
| Operating Revenue | $833,685,000 | $692,043,000 | $694,380,000 | $686,376,000 |
| Expenses | ||||
| Interest Expense | $282,653,000 | $331,923,000 | $247,462,000 | $56,571,000 |
| Selling And Marketing Expense | $15,127,000 | $15,627,000 | $15,390,000 | $15,997,000 |
| General And Administrative Expense | $333,704,000 | $305,900,000 | $289,829,000 | $263,918,000 |
| Professional Expense And Contract Services Expense | $11,122,000 | $15,134,000 | $12,286,000 | $10,020,000 |
| Other Non Interest Expense | $109,376,000 | $96,216,000 | $93,904,000 | $89,910,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $169,526,000 | $161,356,000 | $153,205,000 | $188,987,000 |
| Net Interest Income | $563,607,000 | $442,605,000 | $457,780,000 | $461,365,000 |
| Interest Income | $846,260,000 | $774,528,000 | $705,242,000 | $517,936,000 |
| Normalized Income | $214,331,665 | $162,502,336 | $161,188,167 | $189,842,724 |
| Net Income From Continuing And Discontinued Operation | $169,526,000 | $161,356,000 | $153,205,000 | $188,987,000 |
| Net Income Common Stockholders | $169,526,000 | $161,356,000 | $153,205,000 | $188,987,000 |
| Net Income | $169,526,000 | $161,356,000 | $153,205,000 | $188,987,000 |
| Net Income Including Noncontrolling Interests | $170,791,000 | $162,373,000 | $154,598,000 | $190,469,000 |
| Net Income Continuous Operations | $170,791,000 | $162,373,000 | $154,598,000 | $190,469,000 |
| Pretax Income | $210,216,000 | $189,918,000 | $185,513,000 | $237,050,000 |
| Special Income Charges | $-55,227,000 | $-1,342,000 | $-9,594,000 | $-1,065,000 |
| Depreciation Amortization Depletion Income Statement | $16,778,000 | $12,769,000 | $14,155,000 | $10,620,000 |
| Depreciation And Amortization In Income Statement | $16,778,000 | $12,769,000 | $14,155,000 | $10,620,000 |
| Amortization Of Intangibles Income Statement | $16,778,000 | $12,769,000 | $14,155,000 | $10,620,000 |
| Per Share | ||||
| Diluted EPS | $2.21 | $2.15 | $2.05 | $2.60 |
| Basic EPS | $2.22 | $2.15 | $2.05 | $2.60 |
| Other | ||||
| Tax Effect Of Unusual Items | $-10,421,335 | $-195,664 | $-1,610,833 | $-209,276 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-55,227,000 | $-1,342,000 | $-9,594,000 | $-1,065,000 |
| Total Unusual Items Excluding Goodwill | $-55,227,000 | $-1,342,000 | $-9,594,000 | $-1,065,000 |
| Reconciled Depreciation | $40,227,000 | $35,067,000 | $34,224,000 | $28,698,000 |
| Diluted Average Shares | $76,751,858 | $75,169,699 | $74,661,576 | $72,577,943 |
| Basic Average Shares | $76,413,465 | $74,929,641 | $74,645,906 | $72,556,546 |
| Diluted NI Availto Com Stockholders | $169,526,000 | $161,356,000 | $153,205,000 | $188,987,000 |
| Minority Interests | $-1,265,000 | $-1,017,000 | $-1,393,000 | $-1,482,000 |
| Tax Provision | $39,425,000 | $27,545,000 | $30,915,000 | $46,581,000 |
| Restructuring And Mergern Acquisition | $55,227,000 | $1,342,000 | $9,594,000 | $1,065,000 |
| Gain On Sale Of Security | $2,131,000 | $312,000 | $9,377,000 | $0 |
| Amortization | $16,778,000 | $12,769,000 | $14,155,000 | $10,620,000 |
| Selling General And Administration | $348,831,000 | $321,527,000 | $305,219,000 | $279,915,000 |
| Insurance And Claims | $12,324,000 | $11,821,000 | $16,229,000 | $5,875,000 |
| Salaries And Wages | $321,380,000 | $294,079,000 | $273,600,000 | $258,043,000 |
| Occupancy And Equipment | $60,230,000 | $56,928,000 | $54,064,000 | $49,749,000 |
| Other Special Charges | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,731,459,000 | $1,613,839,000 | $1,519,003,000 | $1,372,315,000 |
| Total Assets | $19,687,341,000 | $17,238,321,000 | $16,835,039,000 | $15,845,267,000 |
| Goodwill And Other Intangible Assets | $690,608,000 | $517,790,000 | $520,969,000 | $501,645,000 |
| Other Intangible Assets | $96,528,000 | $60,171,000 | $64,634,000 | $43,163,000 |
| Cash And Cash Equivalents | $1,350,649,000 | $1,339,475,000 | $1,128,357,000 | $1,152,830,000 |
| Cash Financial | $129,941,000 | $108,750,000 | $85,584,000 | $55,381,000 |
| Cash Cash Equivalents And Federal Funds Sold | $1,350,649,000 | $1,339,475,000 | $1,128,357,000 | $1,152,830,000 |
| Debt | ||||
| Total Debt | $336,322,000 | $263,219,000 | $459,754,000 | $277,094,000 |
| Long Term Debt And Capital Lease Obligation | $336,322,000 | $263,219,000 | $459,754,000 | $277,094,000 |
| Long Term Debt | $336,322,000 | $263,219,000 | $459,754,000 | $277,094,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $17,258,332,000 | $15,091,263,000 | $14,779,161,000 | $13,956,510,000 |
| Equity | ||||
| Common Stock Equity | $2,422,067,000 | $2,131,629,000 | $2,039,972,000 | $1,873,960,000 |
| Total Equity Gross Minority Interest | $2,429,009,000 | $2,147,058,000 | $2,055,878,000 | $1,888,757,000 |
| Stockholders Equity | $2,422,067,000 | $2,131,629,000 | $2,039,972,000 | $1,873,960,000 |
| Gains Losses Not Affecting Retained Earnings | $-51,685,000 | $-116,045,000 | $-118,762,000 | $-140,505,000 |
| Other Equity Adjustments | $-51,685,000 | $-116,045,000 | $-118,762,000 | $-140,505,000 |
| Retained Earnings | $1,087,343,000 | $1,000,072,000 | $921,126,000 | $840,777,000 |
| Other | ||||
| Treasury Shares Number | $1,086,290 | $1,046,121 | $1,004,717 | - |
| Ordinary Shares Number | $78,964,038 | $75,255,205 | $73,888,745 | $72,841,379 |
| Share Issued | $80,050,328 | $76,301,326 | $74,893,462 | $72,841,379 |
| Tangible Book Value | $1,731,459,000 | $1,613,839,000 | $1,519,003,000 | $1,372,315,000 |
| Invested Capital | $2,758,389,000 | $2,394,848,000 | $2,499,726,000 | $2,151,054,000 |
| Total Capitalization | $2,758,389,000 | $2,394,848,000 | $2,499,726,000 | $2,151,054,000 |
| Minority Interest | $6,942,000 | $15,429,000 | $15,906,000 | $14,797,000 |
| Additional Paid In Capital | $1,254,776,000 | $1,122,147,000 | $1,112,761,000 | $1,052,262,000 |
| Capital Stock | $131,633,000 | $125,455,000 | $124,847,000 | $121,426,000 |
| Common Stock | $131,633,000 | $125,455,000 | $124,847,000 | $121,426,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $2,879,040,000 | $2,577,740,000 | $2,620,642,000 | $2,395,718,000 |
| Held To Maturity Securities | $100,620,000 | $157,485,000 | $477,508,000 | $548,392,000 |
| Available For Sale Securities | $2,610,859,000 | $2,357,924,000 | $13,792,000 | $6,424,000 |
| Goodwill | $594,080,000 | $457,619,000 | $456,335,000 | $458,482,000 |
| Net PPE | $430,987,000 | $368,876,000 | $337,598,000 | $304,802,000 |
| Accumulated Depreciation | $-221,751,000 | $-197,555,000 | $-181,605,000 | $-163,450,000 |
| Gross PPE | $652,738,000 | $566,431,000 | $519,203,000 | $468,252,000 |
| Leases | $37,957,000 | $35,251,000 | $35,613,000 | $37,039,000 |
| Construction In Progress | $9,243,000 | $12,351,000 | $20,258,000 | $15,892,000 |
| Other Properties | $67,379,000 | $57,935,000 | $57,250,000 | $48,176,000 |
| Machinery Furniture Equipment | $116,147,000 | $105,486,000 | $99,809,000 | $93,002,000 |
| Buildings And Improvements | $344,457,000 | $293,014,000 | $251,309,000 | $222,892,000 |
| Land And Improvements | $77,555,000 | $62,394,000 | $54,964,000 | $51,251,000 |
| Other Short Term Investments | $167,561,000 | $62,331,000 | $2,129,342,000 | $1,840,902,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $211,667,000 | $81,091,000 | $117,169,000 | $363,219,000 |
| Operating Activities | ||||
| Operating Cash Flow | $261,467,000 | $137,717,000 | $159,201,000 | $415,505,000 |
| Cash Flow From Continuing Operating Activities | $261,467,000 | $137,717,000 | $159,201,000 | $415,505,000 |
| Operating Gains Losses | $-74,180,000 | $-69,936,000 | $-68,576,000 | $-76,216,000 |
| Investing Activities | ||||
| Capital Expenditure | $-49,800,000 | $-56,626,000 | $-42,032,000 | $-52,286,000 |
| Investing Cash Flow | $-386,895,000 | $-202,127,000 | $-333,572,000 | $-2,047,213,000 |
| Cash Flow From Continuing Investing Activities | $-386,895,000 | $-202,127,000 | $-333,572,000 | $-2,047,213,000 |
| Net Other Investing Changes | $1,722,000 | $17,672,000 | $-11,755,000 | $4,432,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-575,000 | - | - | - |
| Financing Cash Flow | $136,602,000 | $275,528,000 | $149,898,000 | $-512,098,000 |
| Cash Flow From Continuing Financing Activities | $136,602,000 | $275,528,000 | $149,898,000 | $-512,098,000 |
| Net Other Financing Charges | $-5,862,000 | $-587,000 | $-3,045,000 | $-5,277,000 |
| Cash Dividends Paid | $-79,297,000 | $-75,017,000 | $-71,381,000 | $-62,750,000 |
| Common Stock Dividend Paid | $-79,297,000 | $-75,017,000 | $-71,381,000 | $-62,750,000 |
| Issuance Of Capital Stock | - | $3,584,000 | $0 | $0 |
| Common Stock Issuance | - | $3,584,000 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-765,000 | $-739,000 | $-1,239,000 | $-375,747,000 |
| Issuance Of Debt | $50,000 | $3,339,000 | $0 | $246,904,000 |
| Interest Paid Supplemental Data | $281,943,000 | $334,252,000 | $230,455,000 | $55,063,000 |
| Income Tax Paid Supplemental Data | $7,535,000 | $1,947,000 | $13,446,000 | $24,180,000 |
| End Cash Position | $1,350,649,000 | $1,339,475,000 | $1,128,357,000 | $1,152,830,000 |
| Beginning Cash Position | $1,339,475,000 | $1,128,357,000 | $1,152,830,000 | $3,296,636,000 |
| Changes In Cash | $11,174,000 | $211,118,000 | $-24,473,000 | $-2,143,806,000 |
| Common Stock Payments | $-575,000 | - | - | - |
| Net Issuance Payments Of Debt | $-1,066,000 | $-196,544,000 | $139,913,000 | $-164,668,000 |
| Net Short Term Debt Issuance | $-351,000 | $-199,144,000 | $141,152,000 | $-35,825,000 |
| Net Long Term Debt Issuance | $-715,000 | $2,600,000 | $-1,239,000 | $-128,843,000 |
| Long Term Debt Payments | $-765,000 | $-739,000 | $-1,239,000 | $-375,747,000 |
| Long Term Debt Issuance | $50,000 | $3,339,000 | $0 | $246,904,000 |
| Net Investment Purchase And Sale | $54,501,000 | $-26,297,000 | $-42,921,000 | $-711,232,000 |
| Sale Of Investment | $397,940,000 | $537,654,000 | $201,722,000 | $179,020,000 |
| Purchase Of Investment | $-343,439,000 | $-563,951,000 | $-244,643,000 | $-890,252,000 |
| Net Investment Properties Purchase And Sale | $5,212,000 | $5,537,000 | $7,448,000 | $6,991,000 |
| Sale Of Investment Properties | $5,212,000 | $5,537,000 | $7,448,000 | $6,991,000 |
| Net Business Purchase And Sale | $-54,209,000 | $-10,075,000 | $17,776,000 | $-2,418,000 |
| Net PPE Purchase And Sale | $-48,137,000 | $-52,307,000 | $-40,833,000 | $-51,502,000 |
| Sale Of PPE | $1,663,000 | $4,319,000 | $1,199,000 | $784,000 |
| Purchase Of PPE | $-49,800,000 | $-56,626,000 | $-42,032,000 | $-52,286,000 |
| Change In Working Capital | $-4,532,000 | $2,913,000 | $7,060,000 | $-90,015,000 |
| Change In Other Current Liabilities | $-13,330,000 | $-21,322,000 | $6,624,000 | $-62,773,000 |
| Change In Other Current Assets | $16,205,000 | $24,776,000 | $-8,078,000 | $-14,732,000 |
| Change In Payables And Accrued Expense | $711,000 | $-2,329,000 | $17,007,000 | $1,508,000 |
| Change In Payable | $711,000 | $-2,329,000 | $17,007,000 | $1,508,000 |
| Change In Account Payable | $711,000 | $-2,329,000 | $17,007,000 | $1,508,000 |
| Change In Receivables | $-8,118,000 | $1,788,000 | $-8,493,000 | $-14,018,000 |
| Changes In Account Receivables | $-8,118,000 | $1,788,000 | $-8,493,000 | $-14,018,000 |
| Other Non Cash Items | $113,598,000 | $7,920,000 | $2,467,000 | $326,211,000 |
| Stock Based Compensation | $9,714,000 | $7,873,000 | $7,022,000 | $5,216,000 |
| Amortization Of Securities | $-1,610,000 | $3,684,000 | $7,046,000 | $12,171,000 |
| Deferred Tax | $-16,478,000 | $-11,629,000 | $-3,319,000 | $10,365,000 |
| Deferred Income Tax | $-16,478,000 | $-11,629,000 | $-3,319,000 | $10,365,000 |
| Depreciation Amortization Depletion | $40,227,000 | $35,067,000 | $34,224,000 | $28,698,000 |
| Depreciation And Amortization | $40,227,000 | $35,067,000 | $34,224,000 | $28,698,000 |
| Depreciation | $40,227,000 | $35,067,000 | $34,224,000 | $28,698,000 |
| Gain Loss On Investment Securities | $-2,006,000 | $-74,000 | $-9,377,000 | $0 |
| Gain Loss On Sale Of PPE | $65,000 | $-639,000 | $-2,103,000 | - |
| Net Income From Continuing Operations | $170,791,000 | $162,373,000 | $154,598,000 | $190,469,000 |
| Sale Of Business | - | - | $17,776,000 | $0 |
| Proceeds From Stock Option Exercised | - | - | - | $0 |
| Purchase Of Business | - | - | - | $-2,418,000 |
Fetched: 2026-06-18