33.69 USD
-0.33 (-0.97%)
33.69 USD
0 (0%)
Taking everything into account, TOWN scores 4 out of 10 in our fundamental rating. TOWN was compared to 388 industry peers in the Banks industry. TOWN has a bad profitability rating. Also its financial health evaluation is rather negative. TOWN is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! TOWN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TOWN had positive earnings in the past year.
TOWN had a positive operating cash flow in the past year.
TOWN had positive earnings in each of the past 5 years.
Each year in the past 5 years TOWN had a positive operating cash flow.
1.2 Ratios
TOWN's Return On Assets of 0.95% is in line compared to the rest of the industry. TOWN outperforms 54.12% of its industry peers.
TOWN's Return On Equity of 7.78% is on the low side compared to the rest of the industry. TOWN is outperformed by 60.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 7.78% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)1.07%
ROE(3y)8.39%
ROE(5y)8.95%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of TOWN (23.12%) is comparable to the rest of the industry.
TOWN's Profit Margin has been stable in the last couple of years.
TOWN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.12% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.69%
PM growth 5Y-1.07%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TOWN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TOWN has more shares outstanding
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.
2.2 Solvency
The Debt to FCF ratio of TOWN is 2.78, which is a good value as it means it would take TOWN, 2.78 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.78, TOWN is not doing good in the industry: 60.57% of the companies in the same industry are doing better.
TOWN has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
TOWN has a Debt to Equity ratio of 0.13. This is in the better half of the industry: TOWN outperforms 61.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 38.65% over the past year.
Measured over the past 5 years, TOWN shows a small growth in Earnings Per Share. The EPS has been growing by 2.47% on average per year.
TOWN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.88%.
TOWN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.23% yearly.
EPS 1Y (TTM)38.65%
EPS 3Y-9.69%
EPS 5Y2.47%
EPS Q2Q%43.1%
Revenue 1Y (TTM)17.88%
Revenue growth 3Y0.65%
Revenue growth 5Y4.23%
Sales Q2Q%23.58%
3.2 Future
TOWN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.16% yearly.
The Revenue is expected to grow by 19.59% on average over the next years. This is quite good.
EPS Next Y38.14%
EPS Next 2Y29.77%
EPS Next 3Y23.16%
EPS Next 5YN/A
Revenue Next Year22.03%
Revenue Next 2Y25.56%
Revenue Next 3Y19.59%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.74, which indicates a very decent valuation of TOWN.
Based on the Price/Earnings ratio, TOWN is valued a bit cheaper than 61.08% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, TOWN is valued rather cheaply.
TOWN is valuated reasonably with a Price/Forward Earnings ratio of 9.18.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TOWN indicates a somewhat cheap valuation: TOWN is cheaper than 72.16% of the companies listed in the same industry.
TOWN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.74 | ||
| Fwd PE | 9.18 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TOWN is valued a bit more expensive than the industry average as 77.32% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.33 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as TOWN's earnings are expected to grow with 23.16% in the coming years.
PEG (NY)0.31
PEG (5Y)4.76
EPS Next 2Y29.77%
EPS Next 3Y23.16%
5. Dividend
5.1 Amount
TOWN has a Yearly Dividend Yield of 3.17%.
Compared to an average industry Dividend Yield of 2.74, TOWN pays a bit more dividend than its industry peers.
TOWN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.17% |
5.2 History
The dividend of TOWN is nicely growing with an annual growth rate of 7.96%!
TOWN has paid a dividend for at least 10 years, which is a reliable track record.
TOWN has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.96%
Div Incr Years13
Div Non Decr Years17
5.3 Sustainability
43.28% of the earnings are spent on dividend by TOWN. This is a bit on the high side, but may be sustainable.
TOWN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.28%
EPS Next 2Y29.77%
EPS Next 3Y23.16%
33.69
-0.33 (-0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners59.51%
Inst Owner Change3.06%
Ins Owners6.14%
Ins Owner ChangeN/A
Market Cap2.66B
Revenue(TTM)792.31M
Net Income(TTM)173.64M
Analysts80
Price Target41.31 (22.62%)
Short Float %3.41%
Short Ratio7.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.17% |
Yearly Dividend1
Dividend Growth(5Y)7.96%
DP43.28%
Div Incr Years13
Div Non Decr Years17
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.85%
Min EPS beat(2)8.09%
Max EPS beat(2)23.6%
EPS beat(4)4
Avg EPS beat(4)11.39%
Min EPS beat(4)1.54%
Max EPS beat(4)23.6%
EPS beat(8)6
Avg EPS beat(8)8.39%
EPS beat(12)7
Avg EPS beat(12)2.67%
EPS beat(16)10
Avg EPS beat(16)1.94%
Revenue beat(2)1
Avg Revenue beat(2)0.06%
Min Revenue beat(2)-1.23%
Max Revenue beat(2)1.34%
Revenue beat(4)1
Avg Revenue beat(4)-1.94%
Min Revenue beat(4)-5.13%
Max Revenue beat(4)1.34%
Revenue beat(8)1
Avg Revenue beat(8)-2.63%
Revenue beat(12)2
Avg Revenue beat(12)-2.61%
Revenue beat(16)5
Avg Revenue beat(16)-1.73%
PT rev (1m)0%
PT rev (3m)-1.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.32%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-0.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.74 | ||
| Fwd PE | 9.18 | ||
| P/S | 3.54 | ||
| P/FCF | 26.33 | ||
| P/OCF | 16.03 | ||
| P/B | 1.19 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.87
EY8.52%
EPS(NY)3.67
Fwd EY10.9%
FCF(TTM)1.28
FCFY3.8%
OCF(TTM)2.1
OCFY6.24%
SpS9.52
BVpS28.27
TBVpS21
PEG (NY)0.31
PEG (5Y)4.76
Graham Number42.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 7.78% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.12% | ||
| GM | N/A | ||
| FCFM | 13.45% |
ROA(3y)1.01%
ROA(5y)1.07%
ROE(3y)8.39%
ROE(5y)8.95%
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-9.69%
PM growth 5Y-1.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 2.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 181.86% | ||
| Cap/Sales | 8.64% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 58.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC16.8%
ROIC/WACCN/A
Cap/Depr(3y)158.16%
Cap/Depr(5y)148.04%
Cap/Sales(3y)7.41%
Cap/Sales(5y)6.74%
Profit Quality(3y)106.18%
Profit Quality(5y)120.26%
High Growth Momentum
Growth
EPS 1Y (TTM)38.65%
EPS 3Y-9.69%
EPS 5Y2.47%
EPS Q2Q%43.1%
EPS Next Y38.14%
EPS Next 2Y29.77%
EPS Next 3Y23.16%
EPS Next 5YN/A
Revenue 1Y (TTM)17.88%
Revenue growth 3Y0.65%
Revenue growth 5Y4.23%
Sales Q2Q%23.58%
Revenue Next Year22.03%
Revenue Next 2Y25.56%
Revenue Next 3Y19.59%
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 1Y-22.6%
FCF growth 3Y-45.01%
FCF growth 5YN/A
OCF growth 1Y-6.92%
OCF growth 3Y-35.63%
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.
What is the valuation status for TOWN stock?
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 3 / 10.
What is the earnings growth outlook for TOWNE BANK?
The Earnings per Share (EPS) of TOWNE BANK (TOWN) is expected to grow by 38.14% in the next year.
Can you provide the dividend sustainability for TOWN stock?
The dividend rating of TOWNE BANK (TOWN) is 8 / 10 and the dividend payout ratio is 43.28%.