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TOWN

NEUTRAL
$36.12 Live
TowneBank · NASDAQ
Target $40.5 (+12.1%)
$31.18 52W Range $37.86
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$3.33B
P/E
16.34
ROE
7.5%
Profit margin
20.9%
Debt/Equity
N/A
Dividend yield
2.99%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
TOWN presents a stable but conflicted profile, anchored by a Piotroski F-Score of 4/9 (Stable) and a Graham Number of $39.33, suggesting the stock is currently undervalued relative to its defensive fair value. While revenue growth is exceptionally strong at 26.10% YoY, this has not yet translated into bottom-line earnings growth, which remains slightly negative (-4.10% YoY). The significant gap between the Graham Number ($39.33) and the growth-based Intrinsic Value ($15.47) indicates that the market is pricing in stability and asset value rather than aggressive growth. Overall, the stock is a value play with strong top-line momentum but lagging profitability efficiency.

Key Strengths

Strong top-line growth with 26.10% YoY revenue increase
Attractive valuation with a Price/Book ratio of 1.16
Significant forward P/E compression (9.34 vs current 16.34) suggesting expected earnings recovery
Consistent track record of beating earnings estimates over 25 quarters
Sustainable dividend profile with a payout ratio under 50%

Key Risks

Negative YoY earnings growth (-4.10%) despite high revenue growth
Bearish technical trend (0/100) indicating lack of immediate price momentum
Low Return on Equity (7.47%) compared to high-performing regional peers
Recent Q/Q EPS growth decline of -15.7%
Insider sentiment is leaning bearish with net selling activity
AI Fair Value Estimate
Based on comprehensive analysis
$37.8
+4.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
68
Strong
Value
85
Future
60
Past
80
Health
50
Dividend
65
AI Verdict
Stable Value Play
Key drivers: Strong Revenue Growth, Low P/B Ratio, Earnings/Revenue Divergence
Confidence
80%
Value
85/100

Ref P/E, PEG, Graham Number

Positives
  • Price is below Graham Number
  • Low P/B of 1.16
  • Forward P/E is very attractive at 9.34
Watchpoints
  • Trades at a significant premium to growth-based intrinsic value
Future
60/100

Ref Growth rates

Positives
  • High YoY and Q/Q revenue growth
Watchpoints
  • Negative YoY earnings growth
  • Recent Q/Q EPS contraction
Past
80/100

Ref Historical trends

Positives
  • Strong 3Y (+63%) and 1Y (+19.1%) price performance
  • Long-term history of earnings beats
Watchpoints
  • Recent technical trend has turned bearish
Health
50/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Piotroski F-Score of 4 indicates stability
Watchpoints
  • F-Score is not in the 'Strong' range (7-9)
  • Altman Z-Score not applicable for banking structure
Dividend
65/100

Ref Yield, Payout

Positives
  • Healthy payout ratio (47.96%)
  • Consistent dividend rate
Watchpoints
  • Yield (2.99%) is modest for the regional banking sector

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$36.12
Analyst Target
$40.5
Upside/Downside
+12.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TOWN and closest competitors.

Updated 2026-04-20
TOW
TowneBank
Primary
5Y
+40.6%
3Y
+63.0%
1Y
+19.1%
6M
+9.6%
1M
+12.0%
1W
+1.1%
GBD
Golub Capital BDC, Inc.
Peer
5Y
+36.8%
3Y
+33.6%
1Y
-0.4%
6M
-1.4%
1M
+6.1%
1W
-0.9%
MCH
Mechanics Bancorp
Peer
5Y
-60.0%
3Y
-9.9%
1Y
+46.3%
6M
+13.1%
1M
+4.8%
1W
-0.4%
AHL
Aspen Insurance Holdings Limite
Peer
5Y
+14.7%
3Y
+14.7%
1Y
+14.7%
6M
+16.8%
1M
+0.6%
1W
-0.1%
SBC
Seacoast Banking Corporation of Florida
Peer
5Y
+2.6%
3Y
+57.2%
1Y
+46.2%
6M
+13.3%
1M
+12.1%
1W
+1.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
16.34
Forward P/E
9.34
PEG Ratio
N/A
P/B Ratio
1.16
P/S Ratio
4.11
EV/Revenue
4.27
EV/EBITDA
N/A
Market Cap
$3.33B

Profitability

Profit margins and return metrics

Profit Margin 20.88%
Operating Margin 35.21%
Gross Margin N/A
ROE 7.46%
ROA 0.92%

Growth

Revenue and earnings growth rates

Revenue Growth +26.1%
Earnings Growth -4.1%
Q/Q Revenue Growth +24.23%
Q/Q Earnings Growth +0.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.88

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.2B
Net Margin
18.8%
Total Assets
$19.7B
Liabilities
$17.3B
Equity
$2.4B
Debt/Equity
7.13x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
87%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-22
$N/A
2026-01-28
$0.7
-1.4% surprise
2025-10-22
$0.83
+9.2% surprise
2025-07-23
$0.81
+25.6% surprise

Financial Services Sector Comparison

Comparing TOWN against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
P/E Ratio
16.34
This Stock
vs
41.68
Sector Avg
-60.8% (Discount)
Return on Equity (ROE)
7.46%
This Stock
vs
-0.24%
Sector Avg
-3172.5% (Below Avg)
Profit Margin
20.88%
This Stock
vs
47.47%
Sector Avg
-56.0% (Weaker)
Revenue Growth
26.1%
This Stock
vs
39.3%
Sector Avg
-33.6% (Slower)

Similar Companies

Peer comparison within the same industry

TOWN TowneBank
NEUTRAL
Mkt Cap
$3.3B
P/E
16.3
ROE
7.5%
Price
$36.12
GBDC Golub Capital BDC, Inc.
BEARISH
Mkt Cap
$3.3B
P/E
10.1
ROE
8.3%
Price
$12.58
 Compare with TOWN
MCHB Mechanics Bancorp
NEUTRAL
Mkt Cap
$3.3B
P/E
12.2
ROE
10.3%
Price
$14.9
 Compare with TOWN
AHL Aspen...
BEARISH
Mkt Cap
$3.4B
P/E
5.5
ROE
14.0%
Price
$37.26
 Compare with TOWN
SBCF Seacoast...
NEUTRAL
Mkt Cap
$3.2B
P/E
20.8
ROE
5.5%
Price
$32.73
 Compare with TOWN

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

LEWIS WILLIAM ASHTON
Director
Buy
2026-04-10
932 shares · $33,375
MORRISON WILLIAM T
Officer and Director
Buy
2026-04-10
1,280 shares · $45,837
FLY KEVIN L
Officer
Buy
2026-04-10
2 shares · $71
MARIONEAUX STEPHANIE J
Director
Buy
2026-04-06
12 shares · $408
WITT ALAN S
Director
Sell
2026-04-06
29 shares · $983
ASTON G ROBERT JR
Officer and Director
Stock Award
2026-03-20
22,971 shares
CLARK ROBERT LEE PH.D.
Chief Operating Officer
Buy
2026-03-17
3 shares · $98
FOSTER WILLIAM I III
Chief Executive Officer
Buy
2026-03-17
10 shares · $327
FLY KEVIN L
Officer
Buy
2026-03-17
3 shares · $98
ASTON G ROBERT JR
Officer and Director
Buy
2026-03-17
6 shares · $196
CLARK ROBERT LEE PH.D.
Chief Operating Officer
Option Exercise
2026-03-16
1,659 shares · $54,996
RUDISILL PHILIP M.
Officer
Option Exercise
2026-03-16
1,659 shares · $54,996
JUNG HOWARD J
Director
Buy
2026-03-06
2,274 shares · $74,974
LAWSON JOHN R. II
Director
Buy
2026-03-06
2,199 shares · $72,501
OWENS R V III
Director
Buy
2026-03-06
455 shares · $15,001
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning TOWN from our newsroom.

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