TOWNE BANK (TOWN) Stock Fundamental Analysis

NASDAQ:TOWN • US89214P1093

34.165 USD
-1.26 (-3.54%)
Last: Feb 27, 2026, 12:26 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, TOWN scores 4 out of 10 in our fundamental rating. TOWN was compared to 379 industry peers in the Banks industry. TOWN has a bad profitability rating. Also its financial health evaluation is rather negative. TOWN is not overvalued while it is showing excellent growth. This is an interesting combination. Finally TOWN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year TOWN was profitable.
  • Each year in the past 5 years TOWN has been profitable.
  • Of the past 5 years TOWN 4 years had a positive operating cash flow.
TOWN Yearly Net Income VS EBIT VS OCF VS FCFTOWN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M 500M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.86%, TOWN is in line with its industry, outperforming 45.91% of the companies in the same industry.
  • TOWN's Return On Equity of 6.98% is on the low side compared to the rest of the industry. TOWN is outperformed by 66.49% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 6.98%
ROIC N/A
ROA(3y)0.9%
ROA(5y)1.04%
ROE(3y)7.36%
ROE(5y)8.7%
ROIC(3y)N/A
ROIC(5y)N/A
TOWN Yearly ROA, ROE, ROICTOWN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • TOWN has a Profit Margin of 20.24%. This is in the lower half of the industry: TOWN underperforms 66.75% of its industry peers.
  • In the last couple of years the Profit Margin of TOWN has declined.
  • The Operating Margin and Gross Margin are not available for TOWN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.66%
PM growth 5Y-1.52%
GM growth 3YN/A
GM growth 5YN/A
TOWN Yearly Profit, Operating, Gross MarginsTOWN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • TOWN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for TOWN has been increased compared to 1 year ago.
  • The number of shares outstanding for TOWN has been increased compared to 5 years ago.
  • Compared to 1 year ago, TOWN has an improved debt to assets ratio.
TOWN Yearly Shares OutstandingTOWN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
TOWN Yearly Total Debt VS Total AssetsTOWN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • A Debt/Equity ratio of 0.13 indicates that TOWN is not too dependend on debt financing.
  • The Debt to Equity ratio of TOWN (0.13) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.4%
TOWN Yearly LT Debt VS Equity VS FCFTOWN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TOWN Yearly Current Assets VS Current LiabilitesTOWN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • TOWN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.53%, which is quite impressive.
  • The Earnings Per Share has been growing by 8.48% on average over the past years. This is quite good.
  • Looking at the last year, TOWN shows a very strong growth in Revenue. The Revenue has grown by 20.37%.
  • TOWN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.70% yearly.
EPS 1Y (TTM)38.53%
EPS 3Y5.12%
EPS 5Y8.48%
EPS Q2Q%27.27%
Revenue 1Y (TTM)20.37%
Revenue growth 3Y6.75%
Revenue growth 5Y4.7%
Sales Q2Q%24.15%

3.2 Future

  • TOWN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.26% yearly.
  • The Revenue is expected to grow by 17.04% on average over the next years. This is quite good.
EPS Next Y20.37%
EPS Next 2Y15.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.02%
Revenue Next 2Y17.04%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
TOWN Yearly Revenue VS EstimatesTOWN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
TOWN Yearly EPS VS EstimatesTOWN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.31, the valuation of TOWN can be described as reasonable.
  • 61.74% of the companies in the same industry are more expensive than TOWN, based on the Price/Earnings ratio.
  • TOWN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.11.
  • The Price/Forward Earnings ratio is 9.40, which indicates a very decent valuation of TOWN.
  • Based on the Price/Forward Earnings ratio, TOWN is valued a bit cheaper than the industry average as 69.92% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of TOWN to the average of the S&P500 Index (28.13), we can say TOWN is valued rather cheaply.
Industry RankSector Rank
PE 11.31
Fwd PE 9.4
TOWN Price Earnings VS Forward Price EarningsTOWN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TOWN Per share dataTOWN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • TOWN's earnings are expected to grow with 15.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)1.33
EPS Next 2Y15.26%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.00%, TOWN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, TOWN has a dividend in line with its industry peers.
  • TOWN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3%

5.2 History

  • On average, the dividend of TOWN grows each year by 7.96%, which is quite nice.
  • TOWN has paid a dividend for at least 10 years, which is a reliable track record.
  • TOWN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.96%
Div Incr Years13
Div Non Decr Years17
TOWN Yearly Dividends per shareTOWN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • The dividend of TOWN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP0%
EPS Next 2Y15.26%
EPS Next 3YN/A
TOWN Yearly Income VS Free CF VS DividendTOWN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M

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Find the best dividend stocksShow peers with best dividend

TOWNE BANK

NASDAQ:TOWN (2/27/2026, 12:26:48 PM)

34.165

-1.26 (-3.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners60.08%
Inst Owner Change-4.11%
Ins Owners6.13%
Ins Owner ChangeN/A
Market Cap3.15B
Revenue(TTM)835.09M
Net Income(TTM)169.04M
Analysts80
Price Target41.82 (22.41%)
Short Float %0.98%
Short Ratio1.83
Dividend
Industry RankSector Rank
Dividend Yield 3%
Yearly Dividend1
Dividend Growth(5Y)7.96%
DP0%
Div Incr Years13
Div Non Decr Years17
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.34%
Min EPS beat(2)-3.68%
Max EPS beat(2)4.36%
EPS beat(4)3
Avg EPS beat(4)8.09%
Min EPS beat(4)-3.68%
Max EPS beat(4)23.6%
EPS beat(8)6
Avg EPS beat(8)7.61%
EPS beat(12)7
Avg EPS beat(12)3.61%
EPS beat(16)10
Avg EPS beat(16)2.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.79%
Min Revenue beat(2)-4.05%
Max Revenue beat(2)-3.53%
Revenue beat(4)1
Avg Revenue beat(4)-1.86%
Min Revenue beat(4)-4.05%
Max Revenue beat(4)1.34%
Revenue beat(8)1
Avg Revenue beat(8)-2.4%
Revenue beat(12)1
Avg Revenue beat(12)-2.88%
Revenue beat(16)3
Avg Revenue beat(16)-2.59%
PT rev (1m)1.23%
PT rev (3m)1.23%
EPS NQ rev (1m)-7.63%
EPS NQ rev (3m)-7.63%
EPS NY rev (1m)-0.98%
EPS NY rev (3m)-0.98%
Revenue NQ rev (1m)-3.08%
Revenue NQ rev (3m)-3.08%
Revenue NY rev (1m)-0.9%
Revenue NY rev (3m)-0.9%
Valuation
Industry RankSector Rank
PE 11.31
Fwd PE 9.4
P/S 3.77
P/FCF N/A
P/OCF N/A
P/B 1.3
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)3.02
EY8.84%
EPS(NY)3.64
Fwd EY10.64%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.05
BVpS26.26
TBVpS18.77
PEG (NY)0.56
PEG (5Y)1.33
Graham Number42.24
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 6.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.24%
GM N/A
FCFM N/A
ROA(3y)0.9%
ROA(5y)1.04%
ROE(3y)7.36%
ROE(5y)8.7%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.66%
PM growth 5Y-1.52%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC15.4%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.53%
EPS 3Y5.12%
EPS 5Y8.48%
EPS Q2Q%27.27%
EPS Next Y20.37%
EPS Next 2Y15.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.37%
Revenue growth 3Y6.75%
Revenue growth 5Y4.7%
Sales Q2Q%24.15%
Revenue Next Year28.02%
Revenue Next 2Y17.04%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

TOWNE BANK / TOWN FAQ

What is the fundamental rating for TOWN stock?

ChartMill assigns a fundamental rating of 4 / 10 to TOWN.


Can you provide the valuation status for TOWNE BANK?

ChartMill assigns a valuation rating of 5 / 10 to TOWNE BANK (TOWN). This can be considered as Fairly Valued.


How profitable is TOWNE BANK (TOWN) stock?

TOWNE BANK (TOWN) has a profitability rating of 2 / 10.


What is the financial health of TOWNE BANK (TOWN) stock?

The financial health rating of TOWNE BANK (TOWN) is 1 / 10.


How sustainable is the dividend of TOWNE BANK (TOWN) stock?

The dividend rating of TOWNE BANK (TOWN) is 7 / 10 and the dividend payout ratio is 0%.