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TOWNE BANK (TOWN) Stock Fundamental Analysis

USA - NASDAQ:TOWN - US89214P1093 - Common Stock

33.76 USD
+1.25 (+3.84%)
Last: 10/17/2025, 8:00:01 PM
33.76 USD
0 (0%)
After Hours: 10/17/2025, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, TOWN scores 4 out of 10 in our fundamental rating. TOWN was compared to 391 industry peers in the Banks industry. TOWN may be in some trouble as it scores bad on both profitability and health. TOWN is not priced too expensively while it is growing strongly. Keep and eye on this one! Finally TOWN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

In the past year TOWN was profitable.
In the past year TOWN had a positive cash flow from operations.
TOWN had positive earnings in each of the past 5 years.
TOWN had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M 500M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.95%, TOWN is in line with its industry, outperforming 59.59% of the companies in the same industry.
TOWN's Return On Equity of 7.78% is in line compared to the rest of the industry. TOWN outperforms 45.01% of its industry peers.
Industry RankSector 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
TOWN Yearly ROA, ROE, ROICTOWN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 23.12%, TOWN is in line with its industry, outperforming 48.34% of the companies in the same 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 RankSector 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
TOWN Yearly Profit, Operating, Gross MarginsTOWN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

2

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.
Compared to 5 years ago, TOWN has more shares outstanding
The debt/assets ratio for TOWN has been reduced compared to a year ago.
TOWN Yearly Shares OutstandingTOWN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
TOWN Yearly Total Debt VS Total AssetsTOWN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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.
The Debt to FCF ratio of TOWN (2.78) is comparable to the rest of the industry.
TOWN has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of TOWN (0.13) is better than 62.40% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 2.78
Altman-Z N/A
ROIC/WACCN/A
WACC16.48%
TOWN Yearly LT Debt VS Equity VS FCFTOWN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 25.36% 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.
Looking at the last year, TOWN shows a quite strong growth in Revenue. The Revenue has grown by 12.03% in the last year.
Measured over the past years, TOWN shows a small growth in Revenue. The Revenue has been growing by 4.23% on average per year.
EPS 1Y (TTM)25.36%
EPS 3Y-9.69%
EPS 5Y2.47%
EPS Q2Q%42.11%
Revenue 1Y (TTM)12.03%
Revenue growth 3Y0.65%
Revenue growth 5Y4.23%
Sales Q2Q%18.56%

3.2 Future

Based on estimates for the next years, TOWN will show a very strong growth in Earnings Per Share. The EPS will grow by 24.75% on average per year.
TOWN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.75% yearly.
EPS Next Y38.71%
EPS Next 2Y28.61%
EPS Next 3Y24.75%
EPS Next 5YN/A
Revenue Next Year22.13%
Revenue Next 2Y21.83%
Revenue Next 3Y19.75%
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.
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.
TOWN Yearly Revenue VS EstimatesTOWN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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

5

4. Valuation

4.1 Price/Earnings Ratio

TOWN is valuated correctly with a Price/Earnings ratio of 12.89.
Compared to the rest of the industry, the Price/Earnings ratio of TOWN is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.42. TOWN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.36, which indicates a very decent valuation of TOWN.
TOWN's Price/Forward Earnings is on the same level as the industry average.
TOWN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.89
Fwd PE 9.36
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOWN indicates a slightly more expensive valuation: TOWN is more expensive than 77.49% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 27.15
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

TOWN's 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 24.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)5.23
EPS Next 2Y28.61%
EPS Next 3Y24.75%

7

5. Dividend

5.1 Amount

TOWN has a Yearly Dividend Yield of 3.32%.
TOWN's Dividend Yield is comparable with the industry average which is at 3.61.
Compared to an average S&P500 Dividend Yield of 2.36, TOWN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.32%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

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.
The dividend of TOWN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.28%
EPS Next 2Y28.61%
EPS Next 3Y24.75%
TOWN Yearly Income VS Free CF VS DividendTOWN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M
TOWN Dividend Payout.TOWN Dividend Payout, showing the Payout Ratio.TOWN Dividend Payout.PayoutRetained Earnings

TOWNE BANK

NASDAQ:TOWN (10/17/2025, 8:00:01 PM)

After market: 33.76 0 (0%)

33.76

+1.25 (+3.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-23 2025-10-23/bmo
Inst Owners56.15%
Inst Owner Change0.42%
Ins Owners5.93%
Ins Owner ChangeN/A
Market Cap2.74B
Analysts80
Price Target42.08 (24.64%)
Short Float %2.21%
Short Ratio5.17
Dividend
Industry RankSector Rank
Dividend Yield 3.32%
Yearly Dividend1
Dividend Growth(5Y)7.96%
DP43.28%
Div Incr Years13
Div Non Decr Years17
Ex-Date09-29 2025-09-29 (0.27)
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)5.77%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)11%
EPS NY rev (1m)2.67%
EPS NY rev (3m)11.87%
Revenue NQ rev (1m)0.62%
Revenue NQ rev (3m)6.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.19%
Valuation
Industry RankSector Rank
PE 12.89
Fwd PE 9.36
P/S 3.65
P/FCF 27.15
P/OCF 16.53
P/B 1.23
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)2.62
EY7.76%
EPS(NY)3.61
Fwd EY10.68%
FCF(TTM)1.24
FCFY3.68%
OCF(TTM)2.04
OCFY6.05%
SpS9.25
BVpS27.47
TBVpS20.4
PEG (NY)0.33
PEG (5Y)5.23
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC16.48%
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)25.36%
EPS 3Y-9.69%
EPS 5Y2.47%
EPS Q2Q%42.11%
EPS Next Y38.71%
EPS Next 2Y28.61%
EPS Next 3Y24.75%
EPS Next 5YN/A
Revenue 1Y (TTM)12.03%
Revenue growth 3Y0.65%
Revenue growth 5Y4.23%
Sales Q2Q%18.56%
Revenue Next Year22.13%
Revenue Next 2Y21.83%
Revenue Next 3Y19.75%
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