TowneBank

TOWN | NASDAQ

Price Alert Chart Builder DCF Calculator

$36.70

-$0.38 (-1.02%)

At close: Sep 21, 2026, 4:00 PM ET

$36.37

-$0.33 (-0.90%)

Pre-market: Sep 22, 2026, 4:30 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $3.38B

Enterprise Value $3.67B

Beta 0.69

Average Volume 606.84K

Shares Outstanding (Diluted) 92.46M

Shares Change YoY 22.4%

Institutional Ownership 61.53%

Exchange NASDAQ

ISIN US89214P1093

Price Performance

Price Change 1M -2.5%

Price Change 3M 3.3%

Price Change 6M 10.2%

Price Change YTD 10.5%

Price Change 1Y 2.7%

Price Change 3Y 60.3%

Price Change 5Y 22.2%

1M CAGR (ann.) -2.0%

1Y CAGR (ann.) 6.2%

5Y CAGR (ann.) 8.4%

All-Time CAGR 6.3%

Valuation

PE Ratio 10.31

Forward PE 12.32

PEG Ratio 0.19

Forward PEG 0.90

PS Ratio 2.60

Forward PS 3.20

PB Ratio 1.11

P/FCF Ratio 26.45

P/Adj. FCF Ratio 28.76

P/OCF Ratio 18.82

EV/Sales 2.83

EV/EBIT 9.09

EV/EBITDA 8.37

EV/FCF 28.73

Earnings Yield 9.7%

FCF Yield 3.8%

Adj. FCF Yield 3.5%

Financial Health

Net Debt $291.47M

Total Debt $450.24M

Cash & Short-Term Investments $158.77M

Total Assets $22.62B

Current Ratio 4.07

Quick Ratio 4.07

Debt / Equity Ratio 0.15

Debt / EBITDA 1.03

Debt / FCF 3.52

OCF / Debt 0.40

Interest Coverage 1.36

Altman Z-Score 0.30

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 76.0%

Operating Profit Margin 31.1%

EBITDA Margin 33.8%

Net Profit Margin 24.1%

FCF Margin 9.8%

Adj. FCF Margin 9.1%

SBC / Revenue 0.6%

SBC Impact (per share) -8.0%

Returns

Return on Assets 1.4%

Return on Equity 11.7%

Return on Invested Capital 1.4%

Return on Capital Employed 1.8%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 14.9%

Revenue CAGR 5Y 11.1%

Revenue CAGR 10Y 14.2%

EPS CAGR 3Y 13.9%

EPS CAGR 5Y 4.3%

EPS CAGR 10Y 13.0%

FCF CAGR 3Y -10.8%

FCF CAGR 5Y -3.8%

FCF CAGR 10Y -1.4%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 20, 2026

EPS Estimate (next Q) $0.79

EPS Growth Est (next Q) -4.8%

Revenue Est (next Q) $250.65M

Revenue Growth Est (next Q) 16.2%

Fair Value Estimates

Graham Number $51.08

Graham Upside 39.2%

Lynch Fair Value $17.80

Lynch Upside -51.5%

Price Target $38

Price Target Upside 3.5%

Cash Flow

Operating Cash Flow $180.03M

Free Cash Flow $127.89M

Adj. Free Cash Flow $117.65M

FCF Per Share $1.43

OCF Per Share $1.95

OCF/S Ratio 13.9%

Income Statement

Revenue $1.3B

Gross Profit $987.94M

Operating Income $404.05M

EBITDA $439.14M

Net Income $313.79M

EPS (Diluted) $3.56

Revenue / Employee $443.42K

Profit / Employee $107.02K

Employees 2,932

Dividends

Annual Dividend $1.52

Dividend Yield 4.14%

Payout Ratio 42.7%

FCF Payout Ratio 64.0%

Adj. FCF Payout Ratio 69.5%

Dividend Growth (YoY) 46.1%

Pay Frequency Quarterly

Ex-Dividend Date Sep 24, 2026