TowneBank Statistics
Total Valuation
TowneBank has a market cap or net worth of $2.80 billion. The enterprise value is $2.87 billion.
Important Dates
The last earnings date was Wednesday, July 23, 2025, after market close.
| Earnings Date | Jul 23, 2025 |
| Ex-Dividend Date | Jun 27, 2025 |
Share Statistics
TowneBank has 74.32 million shares outstanding. The number of shares has increased by 0.72% in one year.
| Current Share Class | 74.32M |
| Shares Outstanding | 74.32M |
| Shares Change (YoY) | +0.72% |
| Shares Change (QoQ) | +0.02% |
| Owned by Insiders (%) | 7.19% |
| Owned by Institutions (%) | 58.16% |
| Float | 68.98M |
Valuation Ratios
The trailing PE ratio is 16.33 and the forward PE ratio is 11.74.
| PE Ratio | 16.33 |
| Forward PE | 11.74 |
| PS Ratio | 3.81 |
| Forward PS | 3.09 |
| PB Ratio | 1.25 |
| P/TBV Ratio | 1.69 |
| P/FCF Ratio | 27.70 |
| P/OCF Ratio | 16.86 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 16.52 |
| EV / Sales | 3.87 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 28.41 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.51 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.07%.
| Return on Equity (ROE) | 8.07% |
| Return on Assets (ROA) | 0.99% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $272,731 |
| Profits Per Employee | $63,839 |
| Employee Count | 2,720 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, TowneBank has paid $31.56 million in taxes.
| Income Tax | 31.56M |
| Effective Tax Rate | 15.30% |
Stock Price Statistics
The stock price has increased by +20.56% in the last 52 weeks. The beta is 0.86, so TowneBank's price volatility has been lower than the market average.
| Beta (5Y) | 0.86 |
| 52-Week Price Change | +20.56% |
| 50-Day Moving Average | 34.91 |
| 200-Day Moving Average | 34.69 |
| Relative Strength Index (RSI) | 68.69 |
| Average Volume (20 Days) | 251,306 |
Short Selling Information
The latest short interest is 1.08 million, so 1.45% of the outstanding shares have been sold short.
| Short Interest | 1.08M |
| Short Previous Month | 1.24M |
| Short % of Shares Out | 1.45% |
| Short % of Float | 1.56% |
| Short Ratio (days to cover) | 3.91 |
Income Statement
In the last 12 months, TowneBank had revenue of $741.83 million and earned $173.64 million in profits. Earnings per share was $2.30.
| Revenue | 741.83M |
| Gross Profit | 741.83M |
| Operating Income | 239.40M |
| Pretax Income | 178.91M |
| Net Income | 173.64M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.30 |
Full Income StatementBalance Sheet
The company has $282.57 million in cash and $354.55 million in debt, giving a net cash position of -$71.98 million or -$0.97 per share.
| Cash & Cash Equivalents | 282.57M |
| Total Debt | 354.55M |
| Net Cash | -71.98M |
| Net Cash Per Share | -$0.97 |
| Equity (Book Value) | 2.24B |
| Book Value Per Share | 30.03 |
| Working Capital | -13.99B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $165.94 million and capital expenditures -$64.94 million, giving a free cash flow of $101.00 million.
| Operating Cash Flow | 165.94M |
| Capital Expenditures | -64.94M |
| Free Cash Flow | 101.00M |
| FCF Per Share | $1.36 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 32.27% |
| Pretax Margin | 27.81% |
| Profit Margin | 23.41% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 13.62% |
Dividends & Yields
This stock pays an annual dividend of $1.08, which amounts to a dividend yield of 2.87%.
| Dividend Per Share | $1.08 |
| Dividend Yield | 2.87% |
| Dividend Growth (YoY) | 2.00% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 44.25% |
| Buyback Yield | -0.72% |
| Shareholder Yield | 2.15% |
| Earnings Yield | 6.21% |
| FCF Yield | 3.61% |
Dividend DetailsAnalyst Forecast
The average price target for TowneBank is $40.50, which is 7.67% higher than the current price. The consensus rating is "Buy".
| Price Target | $40.50 |
| Price Target Difference | 7.67% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on May 23, 2012. It was a forward split with a ratio of 1.03:1.
| Last Split Date | May 23, 2012 |
| Split Type | Forward |
| Split Ratio | 1.03:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |