TowneBank(TOWN)Earnings, Financials & Key Ratios
TOWN•NASDAQ•Banking & Credit
$34.97
$2.67B mkt cap·15.8× P/E·Price updated May 6, 2026
AboutTowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.Show more
- Net Interest Income$564M+27.3%
- Total Revenue$1.01B-1.6%
- Net Income$170M+4.8%
- Return on Equity7.4%-3.7%
- Net Interest Margin2.86%+11.6%
- Efficiency Ratio48.73%-0.7%
- ROA0.92%-3.3%
- Equity / Assets12.34%-1.3%
- Book Value per Share31.65+10.4%
- Tangible BV/Share22.65+4.0%
- Debt/Equity0.15+10.9%
TOWN Key Insights
TowneBank (TOWN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 48.7% efficiency ratio
- ✓10 consecutive years of dividend growth
- ✓Well capitalized: 12.3% equity/assets
- ✓Healthy dividend yield of 3.0%
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
TOWN Price & Volume
TowneBank (TOWN) stock price & volume — 10-year historical chart
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TOWN Growth Metrics
TowneBank (TOWN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.83%
5 Years6.31%
3 Years10.7%
TTM-
Profit CAGR
10 Years10.51%
5 Years3.1%
3 Years-3.56%
TTM4.5%
EPS CAGR
10 Years6.12%
5 Years1.92%
3 Years-5.27%
TTM2.79%
Return on Capital
10 Years7.18%
5 Years7.43%
3 Years6.09%
Last Year4.69%
TOWN Recent Earnings
TowneBank (TOWN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 22, 2026EPS
$0.74
Est $0.74
+0.0%
Revenue
$246M
Est $254M
-3.1%
Q1 2026
Jan 30, 2026EPS
$0.70
Est $0.71
-1.4%
Revenue
$220M
Est $225M
-2.5%
Q4 2025
Oct 22, 2025EPS
$0.83
Est $0.76
+9.1%
Revenue
$216M
Est $220M
-2.0%
Q3 2025
Jul 23, 2025EPS
$0.81
Est $0.69
+17.4%
Revenue
$207M
Est $205M
+1.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.74vs $0.74+0.0% | $246Mvs $254M-3.1% |
| Q1 2026 | Jan 30, 2026 | $0.70vs $0.71-1.4% | $220Mvs $225M-2.5% |
| Q4 2025 | Oct 22, 2025 | $0.83vs $0.76+9.1% | $216Mvs $220M-2.0% |
| Q3 2025 | Jul 23, 2025 | $0.81vs $0.69+17.4% | $207Mvs $205M+1.1% |
Based on last 12 quarters of dataView full earnings history →
TOWN Peer Comparison
TowneBank (TOWN) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.33B | 44.69 | 13.42 | 10.36% | 19.51% | 9.51% | 9.38% | 0.17 |
 WSFS | 3.79B | 71.85 | 14.12 | -3.05% | 21.14% | 10.65% | 5.64% | 0.11 |
 FULT | 4.15B | 21.58 | 10.38 | 5.03% | 20.71% | 11.6% | 6.85% | 0.37 |
 UBSI | 6.08B | 43.56 | 13.32 | 12.33% | 25.52% | 8.6% | 7.91% | 0.17 |
 SFNC | 3.1B | 21.42 | -7.26 | -56.66% | -63.43% | -11.63% | 14.5% | 0.19 |
 BANR | 2.2B | 64.98 | 11.52 | -0.95% | 23.84% | 10.34% | 11.26% | 0.19 |
 GABC | 1.63B | 43.48 | 14.21 | 54.54% | 23.11% | 10.25% | 9.43% | 0.16 |
 NWBI | 2.05B | 14.03 | 15.25 | 16.3% | 14.37% | 7.18% | 6.91% | 0.24 |
Compare TOWN vs Peers
TowneBank (TOWN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TOWN Income Statement
TowneBank (TOWN) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 261.12M | 341.07M | 358.36M | 380.14M | 402.37M | 461.37M | 457.78M | 442.61M | 563.61M |
| NII Growth % | 19.3% | 30.62% | 5.07% | 6.08% | 5.85% | 14.66% | -0.78% | -3.31% | 27.34% |
| Net Interest Margin % | 3.06% | 3.06% | 3% | 2.6% | 2.46% | 2.91% | 2.72% | 2.57% | 2.86% |
| Interest Income | 305.1M | 421.82M | 467.82M | 460.16M | 443.45M | 517.94M | 705.24M | 774.53M | 846.26M |
| Interest Expense | 43.98M | 80.75M | 109.47M | 80.02M | 41.08M | 56.57M | 247.46M | 331.92M | 282.65M |
| Loan Loss Provision | 5.43M | 8.54M | 9.37M | 67.18M | -16.77M | 8.61M | 18.68M | -548K | 23.94M |
| Non-Interest Income | 187.28M | 190.93M | 204.88M | 282.09M | 276.63M | 225.01M | 237.31M | 249.9M | 161.66M |
| Non-Interest Income % | 38.04% | 31.16% | 30.46% | 38% | 38.42% | 30.29% | 25.18% | 24.39% | 16.04% |
| Total Revenue | 492.39M▲ 0% | 612.75M▲ 24.4% | 672.71M▲ 9.8% | 742.25M▲ 10.3% | 720.08M▼ 3.0% | 742.95M▲ 3.2% | 942.55M▲ 26.9% | 1.02B▲ 8.7% | 1.01B▼ 1.6% |
| Revenue Growth % | 20.41% | 24.45% | 9.79% | 10.34% | -2.99% | 3.18% | 26.87% | 8.69% | -1.61% |
| Non-Interest Expense | 295.38M | 351.46M | 377.6M | 393.72M | 415.94M | 440.72M | 490.19M | 502.67M | 491.11M |
| Efficiency Ratio | 59.99% | 57.36% | 56.13% | 53.04% | 57.76% | 59.32% | 52.01% | 49.07% | 48.73% |
| Operating Income | 147.6M▲ 0% | 172M▲ 16.5% | 176.27M▲ 2.5% | 201.33M▲ 14.2% | 279.83M▲ 39.0% | 237.05M▼ 15.3% | 186.22M▼ 21.4% | 190.38M▲ 2.2% | 210.22M▲ 10.4% |
| Operating Margin % | 29.98% | 28.07% | 26.2% | 27.12% | 38.86% | 31.91% | 19.76% | 18.58% | 20.86% |
| Operating Income Growth % | 46.27% | 16.53% | 2.48% | 14.22% | 38.99% | -15.29% | -21.44% | 2.23% | 10.42% |
| Pretax Income | 147.6M▲ 0% | 172M▲ 16.5% | 176.27M▲ 2.5% | 201.33M▲ 14.2% | 279.83M▲ 39.0% | 237.05M▼ 15.3% | 186.22M▼ 21.4% | 190.38M▲ 2.2% | 210.22M▲ 10.4% |
| Pretax Margin % | 29.98% | 28.07% | 26.2% | 27.12% | 38.86% | 31.91% | 19.76% | 18.58% | 20.86% |
| Income Tax | 54.81M | 34.23M | 32.6M | 31.9M | 54.8M | 46.58M | 31.09M | 27.65M | 39.42M |
| Effective Tax Rate % | 37.14% | 19.9% | 18.49% | 15.84% | 19.58% | 19.65% | 16.69% | 14.52% | 18.75% |
| Net Income | 87.66M▲ 0% | 133.79M▲ 52.6% | 138.78M▲ 3.7% | 145.53M▲ 4.9% | 215.38M▲ 48.0% | 188.99M▼ 12.3% | 153.72M▼ 18.7% | 161.76M▲ 5.2% | 169.53M▲ 4.8% |
| Net Margin % | 17.8% | 21.83% | 20.63% | 19.61% | 29.91% | 25.44% | 16.31% | 15.79% | 16.82% |
| Net Income Growth % | 30.35% | 52.62% | 3.73% | 4.87% | 47.99% | -12.26% | -18.66% | 5.23% | 4.8% |
| Net Income (Continuing) | 92.79M | 137.77M | 143.67M | 169.43M | 225.03M | 190.47M | 155.14M | 162.73M | 170.79M |
| EPS (Diluted) | 1.41▲ 0% | 1.88▲ 33.3% | 1.92▲ 2.1% | 2.01▲ 4.7% | 2.97▲ 47.8% | 2.60▼ 12.5% | 2.06▼ 20.8% | 2.15▲ 4.4% | 2.21▲ 2.8% |
| EPS Growth % | 19.49% | 33.33% | 2.13% | 4.69% | 47.76% | -12.46% | -20.77% | 4.37% | 2.79% |
| EPS (Basic) | 1.41 | 1.88 | 1.93 | 2.01 | 2.97 | 2.60 | 2.06 | 2.16 | 2.22 |
| Diluted Shares Outstanding | 62.39M | 71.29M | 72.19M | 72.35M | 72.56M | 72.58M | 74.66M | 75.23M | 76.75M |
TOWN Balance Sheet
TowneBank (TOWN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.39B | 1.78B | 1.88B | 3.23B | 5.1B | 2.99B | 3.26B | 1.4B | 253.49M |
| Cash & Due from Banks | 521.19M | 686.7M | 442.62M | 1.86B | 3.3B | 1.15B | 1.13B | 1.34B | 253.49M |
| Short Term Investments | 867.65M | 1.1B | 1.44B | 1.37B | 1.81B | 1.84B | 2.13B | 62.33M | 0 |
| Total Investments | 7.14B | 9.34B | 10.27B | 11.44B | 11.73B | 13.18B | 13.97B | 14.11B | 0 |
| Investments Growth % | 2.66% | 30.71% | 10% | 11.38% | 2.49% | 12.42% | 6% | 1% | -100% |
| Long-Term Investments | 6.28B | 8.24B | 8.83B | 10.07B | 9.92B | 11.34B | 11.84B | 14.05B | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 308.82M | 492.41M | 501.21M | 497.86M | 507.57M | 501.64M | 520.97M | 517.79M | 690.61M |
| Goodwill | 270.25M | 433.66M | 446.82M | 452.33M | 457.19M | 458.48M | 456.33M | 457.62M | 594.08M |
| Intangible Assets | 38.57M | 58.75M | 54.4M | 45.53M | 50.38M | 43.16M | 64.63M | 60.17M | 96.53M |
| PP&E (Net) | 194.9M | 211.8M | 231.81M | 260.24M | 270.77M | 304.8M | 337.6M | 368.88M | 430.99M |
| Other Assets | 353.22M | 434.27M | 500.28M | 563.21M | 560.85M | 704.15M | 874.93M | 907.42M | 17.21B |
| Total Current Assets | 1.39B | 1.78B | 1.88B | 3.23B | 5.1B | 2.99B | 3.26B | 1.4B | 1.35B |
| Total Non-Current Assets | 7.13B | 9.38B | 10.06B | 11.39B | 11.26B | 12.85B | 13.58B | 15.85B | 18.33B |
| Total Assets | 8.52B▲ 0% | 11.16B▲ 31.0% | 11.95B▲ 7.0% | 14.63B▲ 22.4% | 16.36B▲ 11.9% | 15.85B▼ 3.2% | 16.84B▲ 6.2% | 17.25B▲ 2.4% | 19.69B▲ 14.2% |
| Asset Growth % | 6.88% | 30.99% | 7.03% | 22.42% | 11.86% | -3.15% | 6.25% | 2.45% | 14.15% |
| Return on Assets (ROA) | 1.06% | 1.36% | 1.2% | 1.1% | 1.39% | 1.17% | 0.94% | 0.95% | 0.92% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 798.97M | 1.09B | 772.54M | 772.88M | 481.82M | 318.01M | 492.58M | 296.9M | 371.14M |
| Net Debt | 277.78M | 407.64M | 329.92M | -1.09B | -2.81B | -834.82M | -635.78M | -1.04B | 117.64M |
| Long-Term Debt | 774.12M | 1.05B | 720.14M | 705.09M | 405.02M | 277.09M | 459.75M | 263.22M | 336.32M |
| Short-Term Debt | 24.85M | 47.16M | 52.39M | 67.79M | 76.8M | 40.92M | 32.83M | 33.68M | 34.82M |
| Other Liabilities | 132.48M | 159.86M | 250.52M | 496.57M | 389.77M | 344.27M | 393.38M | 357.06M | 3.42B |
| Total Current Liabilities | 6.47B | 8.42B | 9.32B | 11.64B | 13.65B | 13.34B | 13.93B | 14.47B | 13.5B |
| Total Non-Current Liabilities | 906.6M | 1.21B | 970.66M | 1.2B | 794.79M | 621.37M | 853.13M | 620.28M | 3.76B |
| Total Liabilities | 7.38B | 9.62B | 10.29B | 12.84B | 14.45B | 13.96B | 14.78B | 15.09B | 17.26B |
| Total Equity | 1.14B▲ 0% | 1.54B▲ 34.7% | 1.65B▲ 7.5% | 1.78B▲ 7.9% | 1.92B▲ 7.4% | 1.89B▼ 1.4% | 2.06B▲ 8.8% | 2.16B▲ 4.9% | 2.43B▲ 12.7% |
| Equity Growth % | 5.15% | 34.65% | 7.49% | 7.87% | 7.42% | -1.43% | 8.85% | 4.85% | 12.68% |
| Equity / Assets (Capital Ratio) | 13.41% | 13.78% | 13.84% | 12.2% | 11.71% | 11.92% | 12.21% | 12.5% | 12.34% |
| Return on Equity (ROE) | 7.87% | 9.98% | 8.7% | 8.47% | 11.64% | 9.93% | 7.79% | 7.68% | 7.4% |
| Book Value per Share | 18.31 | 21.58 | 22.91 | 24.66 | 26.41 | 26.02 | 27.54 | 28.66 | 31.65 |
| Tangible BV per Share | 13.36 | 14.67 | 15.96 | 17.77 | 19.41 | 19.11 | 20.56 | 21.77 | 22.65 |
| Common Stock | 104.4M | 120.8M | 121.11M | 121.13M | 121.16M | 121.43M | 124.85M | 125.45M | 131.63M |
| Additional Paid-in Capital | 749.8M | 1.03B | 1.04B | 1.05B | 1.05B | 1.05B | 1.11B | 1.12B | 1.25B |
| Retained Earnings | 282.73M | 379.24M | 467.19M | 557.89M | 716.61M | 840.78M | 921.13M | 1.01B | 1.09B |
| Accumulated OCI | -5.69M | -9.19M | 11.3M | 41.18M | 10.6M | -140.5M | -118.76M | -116.05M | -51.68M |
| Treasury Stock | -12.52M | -13.96M | -15.55M | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
TOWN Cash Flow Statement
TowneBank (TOWN) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 141.08M | 317.6M | 10.31M | 127.89M | 518.82M | 415.5M | 161.3M | 138.36M | 261.47M |
| Operating CF Growth % | -23.76% | 125.12% | -96.75% | 1140.07% | 305.69% | -19.91% | -61.18% | -14.23% | 88.98% |
| Net Income | 92.79M | 137.77M | 143.67M | 169.43M | 225.03M | 190.47M | 155.14M | 161.76M | 170.79M |
| Depreciation & Amortization | 24.5M | 28.72M | 29.37M | 29.06M | 28.8M | 28.7M | 34.22M | 35.07M | 40.23M |
| Deferred Taxes | 570K | 1.3M | -4.78M | -16.87M | 143K | 10.37M | -3.32M | -11.63M | -16.48M |
| Other Non-Cash Items | 3.52M | 96.56M | -194.12M | -83.41M | 168.29M | 270.77M | -38.28M | -57.27M | 61.74M |
| Working Capital Changes | 16.99M | 50.34M | 30.83M | 24.19M | 90.92M | -90.02M | 6.52M | 2.55M | -4.53M |
| Cash from Investing | -209.38M | -646.86M | -779.62M | -1.12B | -547.36M | -2.05B | -335.68M | -202.77M | -386.89M |
| Purchase of Investments | -1.14B | -971.54M | -808.45M | -454.3M | -839.02M | -890.25M | -244.64M | -563.95M | -343.44M |
| Sale/Maturity of Investments | 1.09B | 911.77M | 469.5M | 564.54M | 202.9M | 179.02M | 201.72M | 537.65M | 397.94M |
| Net Investment Activity | -52.94M | -59.77M | -338.95M | 110.23M | -636.12M | -711.23M | -42.92M | -26.3M | 54.5M |
| Acquisitions | -11.47M | 61.1M | -19.75M | 9.39M | -26.08M | -2.42M | 17.78M | -10.07M | -54.21M |
| Other Investing | -131.53M | -627.34M | -384.21M | -1.19B | 146.05M | -1.28B | -266.39M | -109.13M | -337.39M |
| Cash from Financing | 452.94M | 494.76M | 525.23M | 2.41B | 1.46B | -512.1M | 149.9M | 275.53M | 136.6M |
| Dividends Paid | -34.44M | -44.86M | -49.38M | -52.24M | -55.29M | -62.75M | -71.38M | -75.02M | -79.3M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 2.17M | 2.61M | 1.46M | 911K | 0 | 0 | 0 | 3.58M | -575K |
| Net Stock Activity | 2.17M | 2.61M | 1.46M | 911K | 0 | 0 | 0 | 3.58M | -575K |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | 406.39M | 668.97M | 895.53M | 2.28B | 1.99B | -284.68M | 81.37M | 543.5M | 217.54M |
| Net Change in Cash | 384.64M▲ 0% | 165.51M▼ 57.0% | -244.08M▼ 247.5% | 1.42B▲ 682.5% | 1.43B▲ 0.8% | -2.14B▼ 249.7% | -24.47M▲ 98.9% | 211.12M▲ 962.7% | 11.17M▼ 94.7% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 136.55M | 521.19M | 686.7M | 442.62M | 1.86B | 3.3B | 1.15B | 1.13B | 1.34B |
| Cash at End | 521.19M | 686.7M | 442.62M | 1.86B | 3.3B | 1.15B | 1.13B | 1.34B | 1.35B |
| Interest Paid | 38.26M | 58.58M | 108.41M | 83.85M | 44.4M | 55.06M | 230.46M | 334.25M | 281.94M |
| Income Taxes Paid | 35.97M | 24.61M | 28.07M | 35.15M | 51.01M | 24.18M | 13.45M | 1.95M | 7.54M |
| Free Cash Flow | 127.63M▲ 0% | 296.75M▲ 132.5% | -26.4M▼ 108.9% | 82.1M▲ 410.9% | 487.62M▲ 493.9% | 363.22M▼ 25.5% | 117.17M▼ 67.7% | 81.09M▼ 30.8% | 211.67M▲ 161.0% |
| FCF Growth % | -23.57% | 132.5% | -108.9% | 410.94% | 493.93% | -25.51% | -67.74% | -30.79% | 161.02% |
TOWN Banking Ratios
TowneBank (TOWN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.05% | 7.87% | 9.98% | 8.7% | 8.47% | 11.64% | 9.93% | 7.79% | 7.68% | 7.4% |
| Return on Assets (ROA) | 0.94% | 1.06% | 1.36% | 1.2% | 1.1% | 1.39% | 1.17% | 0.94% | 0.95% | 0.92% |
| Net Interest Margin | 2.74% | 3.06% | 3.06% | 3% | 2.6% | 2.46% | 2.91% | 2.72% | 2.57% | 2.86% |
| Efficiency Ratio | 65.27% | 59.99% | 57.36% | 56.13% | 53.04% | 57.76% | 59.32% | 52.01% | 49.07% | 48.73% |
| Equity / Assets | 13.63% | 13.41% | 13.78% | 13.84% | 12.2% | 11.71% | 11.92% | 12.21% | 12.5% | 12.34% |
| Book Value / Share | 19.12 | 18.31 | 21.58 | 22.91 | 24.66 | 26.41 | 26.02 | 27.54 | 28.66 | 31.65 |
| NII Growth | 21.3% | 19.3% | 30.62% | 5.07% | 6.08% | 5.85% | 14.66% | -0.78% | -3.31% | 27.34% |
| Dividend Payout | 45.42% | 39.28% | 33.53% | 35.58% | 35.9% | 25.67% | 33.2% | 46.44% | 46.38% | 46.78% |
TOWN Frequently Asked Questions
TowneBank (TOWN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
TowneBank (TOWN) saw revenue decline by 1.6% over the past year.
Yes, TowneBank (TOWN) is profitable, generating $169.0M in net income for fiscal year 2025 (16.8% net margin).
Dividend & Returns
Yes, TowneBank (TOWN) pays a dividend with a yield of 2.95%. This makes it attractive for income-focused investors.
TowneBank (TOWN) has a return on equity (ROE) of 7.4%. This is below average, suggesting room for improvement.
Industry Metrics
TowneBank (TOWN) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
TowneBank (TOWN) has an efficiency ratio of 48.7%. This is excellent, indicating strong cost control.
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TowneBank (TOWN) financial analysis — history, returns, DCA and operating performance tools
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