Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
TowneBank's quarterly P/E stands at 16.4x, up 5.7% year-over-year. EV/EBITDA has expanded 92.2% YoY to 12.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.76 | 16.36 | 16.95 | 16.43 | 12.76 | 15.48 | 14.50 | 11.96 | 15.25 | 19.08 | 9.55 | 10.37 | 12.81 |
| — | +5.7% | +16.9% | +37.4% | -16.3% | -18.8% | +51.8% | +15.3% | +19.0% | +58.4% | -1.7% | -2.2% | +7.8% | |
| P/S Ratio | 2.64 | 2.59 | 2.31 | 2.32 | 2.47 | 2.53 | 2.40 | 1.96 | 2.10 | 2.39 | 1.77 | 1.79 | 2.21 |
| — | +2.4% | -3.7% | +18.5% | +17.9% | +5.7% | +35.8% | +9.7% | -5.1% | -16.1% | -30.1% | -35.5% | -28.9% | |
| P/B Ratio | 1.10 | 1.09 | 1.10 | 1.15 | 1.16 | 1.19 | 1.15 | 0.98 | 1.02 | 1.08 | 0.86 | 0.87 | 1.00 |
| — | -8.7% | -3.9% | +17.7% | +14.4% | +9.9% | +32.9% | +12.3% | +2.2% | -9.2% | -18.2% | -17.2% | -13.8% | |
| P/FCF | 12.57 | 6.45 | 16.08 | — | 5.83 | 7.19 | — | 25.49 | 18.68 | 15.29 | 4.74 | 17.95 | — |
| — | -10.3% | — | — | -68.8% | -53.0% | — | +42.0% | — | +73.5% | -25.7% | +169.4% | — | |
| EV / EBITDA | 13.22 | 12.89 | 7.75 | 7.35 | 5.72 | 6.71 | 6.44 | 4.32 | 6.81 | 10.01 | 4.01 | 5.13 | 7.31 |
| — | +92.2% | +20.3% | +69.9% | -16.0% | -33.0% | +60.4% | -15.8% | -6.8% | +84.2% | +36.4% | +1012.0% | +1236.8% | |
| EV / EBIT | 13.22 | 12.89 | 9.46 | 8.76 | 6.55 | 7.91 | 7.59 | 5.08 | 8.21 | 12.74 | 4.65 | 5.98 | 8.59 |
| — | +62.9% | +24.7% | +72.3% | -20.2% | -37.9% | +63.1% | -15.0% | -4.3% | +108.7% | +42.2% | +1053.1% | +1285.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
TowneBank's operating margin was 21.0% in Q4 2025, up 4.7 pp QoQ and up 2.0 pp YoY. The trailing four-quarter average of 19.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.6% | 72.0% | 69.8% | 72.3% | 72.6% | 68.7% | 67.8% | 67.1% | 67.0% | 66.1% | 70.8% | 73.3% | 76.9% |
| — | +4.8% | +2.9% | +7.8% | +8.4% | +3.8% | -4.2% | -8.4% | -13.0% | -22.4% | -22.1% | -21.9% | -19.5% | |
| Operating Margin | 20.9% | 21.0% | 16.3% | 18.1% | 22.6% | 18.9% | 18.8% | 19.6% | 16.9% | 13.4% | 22.3% | 21.7% | 21.4% |
| — | +10.6% | -13.6% | -7.6% | +33.9% | +41.4% | -15.7% | -9.8% | -21.2% | -54.4% | -32.0% | -33.6% | -34.9% | |
| Net Margin | 16.8% | 15.9% | 13.6% | 14.0% | 19.4% | 16.3% | 16.6% | 16.4% | 13.8% | 12.4% | 18.5% | 17.2% | 17.1% |
| — | -2.0% | -18.2% | -14.9% | +40.1% | +31.4% | -10.3% | -4.4% | -19.1% | -47.6% | -29.0% | -34.4% | -34.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.4% | 1.7% | 1.7% | 1.7% | 2.3% | 1.9% | 2.0% | 2.1% | 1.7% | 1.4% | 2.3% | 2.1% | 2.0% |
| — | -12.0% | -16.9% | -15.5% | +37.5% | +34.0% | -10.5% | -1.6% | -14.8% | -43.0% | -16.4% | -15.6% | -17.7% | |
| ROA | 0.9% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% |
| — | -13.9% | -18.1% | -14.0% | +41.5% | +39.4% | -5.3% | +2.7% | -12.6% | -41.5% | -13.5% | -11.5% | -14.7% | |
| ROIC | 6.0% | 1.4% | 1.3% | 1.5% | 1.8% | 1.5% | 1.5% | 1.6% | 1.3% | 0.9% | 1.5% | 1.4% | 1.4% |
| — | -2.0% | -12.6% | -7.3% | +38.0% | +55.2% | +1.2% | +19.5% | -10.1% | -52.5% | -27.1% | -22.8% | -18.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
TowneBank's Debt/EBITDA ratio is 6.9x, up from 6.4x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.15 | 0.15 | 0.15 | 0.13 | 0.13 | 0.14 | 0.13 | 0.14 | 0.14 | 0.24 | 0.21 | 0.53 | 0.41 |
| — | +10.9% | +12.0% | -7.0% | -9.0% | -42.5% | -34.4% | -73.5% | -65.2% | +42.3% | +18.1% | +66.0% | +21.3% | |
| Debt / EBITDA | 1.77 | 6.94 | 6.36 | 4.90 | 4.20 | 5.23 | 5.06 | 4.91 | 5.69 | 12.40 | 6.48 | 17.25 | 14.27 |
| — | +32.7% | +25.5% | -0.2% | -26.3% | -57.8% | -21.9% | -71.5% | -60.1% | +154.5% | +42.4% | +87.8% | +47.2% | |
| Current Ratio | 0.10 | 0.10 | 0.08 | 0.08 | 0.09 | 0.10 | 0.25 | 0.25 | 0.23 | 0.23 | 0.22 | 0.26 | 0.24 |
| — | +3.4% | -68.2% | -69.1% | -59.8% | -58.6% | +15.1% | -3.1% | -3.9% | +4.2% | -10.7% | -17.5% | -32.2% | |
| Quick Ratio | 0.10 | 0.10 | 0.08 | 0.08 | 0.09 | 0.10 | 0.25 | 0.25 | 0.23 | 0.23 | 0.22 | 0.26 | 0.24 |
| — | +3.4% | -68.2% | -69.1% | -59.8% | -58.6% | +15.1% | -3.1% | -3.9% | +4.2% | -10.7% | -17.5% | -32.2% | |
| Interest Coverage | 0.74 | 0.75 | 0.65 | 0.72 | 0.85 | 0.62 | 0.58 | 0.60 | 0.51 | 0.41 | 0.78 | 0.86 | 1.20 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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TowneBank's current P/E is 15.8x. The average P/E over the last 4 quarters is 15.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
TowneBank's current operating margin is 20.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking TowneBank's business trajectory between earnings reports.