TowneBank (TOWN) Financial Ratios
25 years of historical data (2001–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.27
↑+66% vs avg
5yr avg: 7.99
30Y Low2.6·High53.2
P/FCF
↑
12.62
↓-14% vs avg
5yr avg: 14.70
30Y Low4.7·High66.0
P/B Ratio
↓
1.10
-3% vs avg
5yr avg: 1.14
30Y Low0.7·High3.5
ROE
↓
7.4%
-17% vs avg
5yr avg: 8.9%
30Y Low6%·High12%
Debt/EBITDA
↑
1.77
+9% vs avg
5yr avg: 1.61
30Y Low1.2·High18.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TOWN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
TowneBank trades at 15.8x earnings, 17% above its 5-year average of 13.6x, sitting at the 44th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 19%. On a free-cash-flow basis, the stock trades at 12.6x P/FCF, 14% below the 5-year average of 14.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.7B | $2.6B | $2.6B | $2.2B | $2.2B | $2.3B | $1.7B | $2.0B | $1.7B | $1.9B | $1.9B |
| Enterprise Value | $2.8B | $2.7B | $1.5B | $1.6B | $1.4B | $-522554830 | $607M | $2.3B | $2.1B | $2.2B | $2.5B |
| P/E Ratio → | 15.82 | 15.10 | 15.84 | 14.45 | 11.86 | 10.64 | 11.68 | 14.49 | 12.74 | 21.81 | 28.18 |
| P/S Ratio | 2.65 | 2.54 | 2.50 | 2.36 | 3.01 | 3.18 | 2.29 | 2.99 | 2.79 | 3.90 | 4.62 |
| P/B Ratio | 1.10 | 1.05 | 1.19 | 1.08 | 1.19 | 1.20 | 0.95 | 1.21 | 1.11 | 1.68 | 1.74 |
| P/FCF | 12.62 | 12.10 | 31.60 | 18.96 | 6.16 | 4.70 | 20.69 | — | 5.75 | 15.03 | 11.32 |
| P/OCF | 10.22 | 9.80 | 18.52 | 13.77 | 5.39 | 4.42 | 13.28 | 194.73 | 5.38 | 13.60 | 10.21 |
P/E links to full P/E history page with 30-year chart
TOWN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
TowneBank's enterprise value stands at 13.3x EBITDA, 66% above its 5-year average of 8.0x. The Financial Services sector median is 11.4x, placing the stock at a 16% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.66 | 1.48 | 1.68 | 1.89 | -0.73 | 0.82 | 3.48 | 3.45 | 4.46 | 6.05 |
| EV / EBITDA | 13.27 | 12.74 | 6.74 | 7.20 | 5.28 | -1.69 | 2.64 | 11.37 | 10.54 | 12.76 | 20.36 |
| EV / EBIT | 13.27 | 12.74 | 7.98 | 8.52 | 5.92 | -1.87 | 3.02 | 13.26 | 12.30 | 14.88 | 24.51 |
| EV / FCF | — | 12.66 | 18.74 | 13.54 | 3.86 | -1.07 | 7.40 | — | 7.13 | 17.21 | 14.81 |
TOWN Profitability
Margins and return-on-capital ratios measuring operating efficiency
TowneBank earns an operating margin of 20.9%, roughly in line with the Financial Services sector average. Operating margins have expanded from 19.8% to 20.9% over the past 3 years, signaling improving operational efficiency. ROE of 7.4% is modest, trailing the sector median of 9.5%. ROIC of 6.0% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.6% | 69.6% | 67.6% | 71.8% | 91.2% | 96.6% | 80.2% | 82.3% | 85.4% | 90.0% | 90.0% |
| Operating Margin | 20.9% | 20.9% | 18.6% | 19.8% | 31.9% | 38.9% | 27.1% | 26.2% | 28.1% | 30.0% | 24.7% |
| Net Profit Margin | 16.8% | 16.8% | 15.8% | 16.3% | 25.4% | 29.9% | 19.6% | 20.6% | 21.8% | 17.8% | 16.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.4% | 7.4% | 7.7% | 7.8% | 9.9% | 11.6% | 8.5% | 8.7% | 10.0% | 7.9% | 7.1% |
| ROA | 0.9% | 0.9% | 0.9% | 0.9% | 1.2% | 1.4% | 1.1% | 1.2% | 1.4% | 1.1% | 0.9% |
| ROIC | 6.0% | 6.0% | 5.7% | 5.9% | 7.7% | 8.5% | 6.1% | 5.2% | 5.6% | 5.9% | 4.9% |
| ROCE | 4.7% | 4.7% | 6.7% | 6.9% | 9.1% | 9.8% | 7.2% | 6.6% | 7.2% | 7.5% | 6.2% |
TOWN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
TowneBank carries a Debt/EBITDA ratio of 1.8x, which is manageable (57% below the sector average of 4.1x). Net debt stands at $118M ($371M total debt minus $253M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.15 | 0.15 | 0.14 | 0.24 | 0.17 | 0.25 | 0.43 | 0.47 | 0.71 | 0.70 | 0.66 |
| Debt / EBITDA | 1.77 | 1.77 | 1.32 | 2.23 | 1.20 | 1.56 | 3.35 | 3.76 | 5.45 | 4.64 | 5.93 |
| Net Debt / Equity | — | 0.05 | -0.48 | -0.31 | -0.44 | -1.47 | -0.61 | 0.20 | 0.26 | 0.24 | 0.54 |
| Net Debt / EBITDA | 0.56 | 0.56 | -4.62 | -2.88 | -3.14 | -9.12 | -4.74 | 1.60 | 2.03 | 1.61 | 4.80 |
| Debt / FCF | — | 0.56 | -12.86 | -5.43 | -2.30 | -5.77 | -13.29 | — | 1.37 | 2.18 | 3.49 |
| Interest Coverage | 0.74 | 0.74 | 0.57 | 0.75 | 4.19 | 6.81 | 2.52 | 1.61 | 2.13 | 3.36 | 2.82 |
TOWN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.10x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.23x to 0.10x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.10 | 0.10 | 0.10 | 0.23 | 0.22 | 0.37 | 0.28 | 0.20 | 0.21 | 0.21 | 0.16 |
| Quick Ratio | 0.10 | 0.10 | 0.10 | 0.23 | 0.22 | 0.37 | 0.28 | 0.20 | 0.21 | 0.21 | 0.16 |
| Cash Ratio | 0.02 | 0.02 | 0.09 | 0.08 | 0.09 | 0.24 | 0.16 | 0.05 | 0.08 | 0.08 | 0.02 |
| Asset Turnover | — | 0.05 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 | 0.05 | 0.06 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
TOWN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
TowneBank returns 3.0% to shareholders annually primarily through dividends. A payout ratio of 46.8% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.0% | 3.1% | 2.9% | 3.2% | 2.8% | 2.4% | 3.1% | 2.5% | 2.6% | 1.8% | 1.6% |
| Payout Ratio | 46.8% | 46.8% | 46.4% | 46.4% | 33.2% | 25.7% | 35.9% | 35.6% | 33.5% | 39.3% | 45.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.3% | 6.6% | 6.3% | 6.9% | 8.4% | 9.4% | 8.6% | 6.9% | 7.8% | 4.6% | 3.5% |
| FCF Yield | 7.9% | 8.3% | 3.2% | 5.3% | 16.2% | 21.3% | 4.8% | — | 17.4% | 6.7% | 8.8% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 3.0% | 3.1% | 2.9% | 3.2% | 2.8% | 2.4% | 3.1% | 2.5% | 2.6% | 1.8% | 1.6% |
| Shares Outstanding | — | $77M | $75M | $75M | $73M | $73M | $72M | $72M | $71M | $62M | $57M |
Peer Comparison
Compare TOWN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TOWNYou | $3B | 15.8 | 13.3 | 12.6 | 69.6% | 20.9% | 7.4% | 6.0% | 1.8 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 WSFS | $4B | 14.1 | 6.8 | 17.7 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 FULT | $4B | 10.4 | 9.8 | 14.6 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 UBSI | $6B | 13.3 | 7.6 | 12.6 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
 SFNC | $3B | -7.3 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 BANR | $2B | 11.5 | 9.5 | 8.9 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 GABC | $2B | 14.2 | 12.5 | 10.6 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 NWBI | $2B | 15.3 | 13.7 | 14.5 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 FIS | $24B | 62.1 | 7.6 | 9.8 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $31B | 9.0 | 6.7 | 7.1 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonTOWN — Frequently Asked Questions
Quick answers to the most common questions about buying TOWN stock.
What is TowneBank's P/E ratio?
TowneBank's current P/E ratio is 15.8x. The historical average is 20.8x. This places it at the 44th percentile of its historical range.
What is TowneBank's EV/EBITDA?
TowneBank's current EV/EBITDA is 13.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.4x.
What is TowneBank's ROE?
TowneBank's return on equity (ROE) is 7.4%. The historical average is 8.2%.
Is TOWN stock overvalued?
Based on historical data, TowneBank is trading at a P/E of 15.8x. This is at the 44th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is TowneBank's dividend yield?
TowneBank's current dividend yield is 2.95% with a payout ratio of 46.8%.
What are TowneBank's profit margins?
TowneBank has 69.6% gross margin and 20.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does TowneBank have?
TowneBank's Debt/EBITDA ratio is 1.8x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.