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TOWNTowneBank
$36.36$3.3B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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TOWN logo

TowneBank

TOWN
NASDAQ · Regional Banks
$36.36
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$3.35B
P/E16.5x
52W High$39.03
Volume559.62K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee Spike Masks Core NIM Stagnation

TowneBank's 2026Q2 results show a dramatic revenue surge to $497.4M, driven by a $236.7M non-interest income spike that appears non-recurring, while net interest income grew 34.9% YoY to $185.1M. The bank's balance sheet expanded 23.4% YoY to $22.6B, fueled by...

GrowthAccelerating
ProfitabilityStable
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

TOWN price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

+8% Peers

P/E is 8% above peer median

03

Market leadership

RS 65 · Avg

Average momentum (RS Rating: 65)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 23

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
TOWN+13.21%
S&P 500 (^GSPC)+13.20%
1-Year Return
TOWN+6.80%
S&P 500 (^GSPC)+15.98%
3-Year Return
TOWN+75.49%
S&P 500 (^GSPC)+79.19%
5-Year Return
TOWN+44.87%
S&P 500 (^GSPC)+72.45%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
16.3x
Forward P/EExpansion
11.5x
EV/EBITDA100th %ile
13.7x
FCF YieldCash Flow
6.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
16.3x
14.4x
100th· High
EV/EBITDA
13.7x
7.2x
100th· High
Price/FCF
15.7x
12.1x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$10.93-69.9%
Base (Fair)$21.52-42.0%
Bull$35.12-3.4%
$10.93 Bear$21.52 Base$35.12 Bull
Current Market Price: $36.36
Trades at a 69.0% premium to Base DCF ($21.52)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$725M+4.7% YoY
Net income
$170M+4.8% YoY
Free cash flow
$212M+161.0% YoY
Operating margin
20.9%+2.3 pts YoY
ROIC (TTM)6%
Avg ROIC 5Y-
ROE (TTM)7.4%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 23, 2026
$0.78-1.4%
vs $0.79
$246M+0.2%
vs $245M
Q2 2026
Apr 22, 2026
$0.74+0.0%
vs $0.74
$246M-3.1%
vs $254M
Q1 2026
Jan 30, 2026
$0.70-1.4%
vs $0.71
$220M-2.5%
vs $225M
Q4 2025
Oct 22, 2025
$0.83+9.1%
vs $0.76
$216M-2.0%
vs $220M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Aug 26, 2026
TowneBank Announces Quarterly Cash Dividend

SUFFOLK, Va., Aug. 26, 2026 (GLOBE NEWSWIRE) -- Hampton Roads based TowneBank (NASDAQ: TOWN) announced today that its Board of Directors declared its third-quarter shareholder cash dividend of $0.28 per common share payable on October 9, 2026, to shareholders of record on September 25, 2026.

Globe News Wire·Jul 22, 2026
TowneBank Reports Second Quarter 2026 Earnings

SUFFOLK, Va. , July 22, 2026 (GLOBE NEWSWIRE) -- TowneBank (the "Company" or "Towne") (NASDAQ: TOWN) today reported earnings for the quarter ended June 30, 2026 of $193. 19 million, or $2. 09 per diluted share, compared to $40. 89 million, or $0.

GlobeNewsWire·Jul 22, 2026
TowneBank Reports Second Quarter 2026 Earnings

SUFFOLK, Va., July 22, 2026 (GLOBE NEWSWIRE) -- TowneBank (the "Company" or "Towne") (NASDAQ: TOWN) today reported earnings for the quarter ended June 30, 2026 of $193.19 million, or $2.09 per diluted share, compared to $40.89 million, or $0.54 per diluted share, for the quarter ended June 30, 2025. Excluding certain items affecting comparability, core earnings (non-GAAP) were $72.01 million, or $0.78 per diluted share, in the current quarter compared to $63.39 million, or $0.84 per diluted share, for the quarter ended June 30, 2025.

Zacks Investment Research·Jul 15, 2026
Analysts Estimate TowneBank (TOWN) to Report a Decline in Earnings: What to Look Out for

TowneBank (TOWN) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Filtered for TowneBankMore Headlines
04

Compare before deciding

Benchmark TOWN against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for TowneBank (TOWN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TOWN logoTOWNTowneBankCurrent
$36.36$3.35B16.454.73%16.82%7.4%2.84%
NBTB logoNBTBNBT Bancorp Inc.
$50.85$2.64B15.2714.54%22.65%11.26%—
WSFS logoWSFSWSFS Financial Corporation
$76.89$4B15.112.08%29.27%11.78%—
FULT logoFULTFulton Financial Corporation
$23.02$4.4B11.0711.19%20.71%11.15%—
UBSI logoUBSIUnited Bankshares, Inc.
$46.53$6.41B14.2320.13%38.34%9.25%—
SFNC logoSFNCSimmons First National Corporation
$22.50$3.26B-7.63-86.6%-63.53%-10.51%—

Compare TOWN vs Peers

TowneBank (TOWN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for TOWN.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TOWN against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, WSFS, FULT, UBSI

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TOWN Frequently Asked Questions

TowneBank (TOWN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is TowneBank growing?

TowneBank (TOWN) grew revenue by 4.7% over the past year. Growth has been modest.

Is TOWN profitable?

Yes, TowneBank (TOWN) is profitable, generating $313.8M in net income for fiscal year 2025 (16.8% net margin).

Dividend & Returns
Does TOWN pay dividends?

Yes, TowneBank (TOWN) pays a dividend with a yield of 2.84%. This makes it attractive for income-focused investors.

What is TOWN's return on equity?

TowneBank (TOWN) has a return on equity (ROE) of 7.4%. This is below average, suggesting room for improvement.

Industry Metrics
What is TowneBank's net interest margin?

TowneBank (TOWN) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is TowneBank's efficiency ratio?

TowneBank (TOWN) has an efficiency ratio of 48.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in TOWN back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

See returns →