TOWNE BANK (TOWN) Stock Fundamental Analysis

NASDAQ:TOWN • US89214P1093

35.96 USD
+0.18 (+0.5%)
At close: Feb 20, 2026
35.96 USD
0 (0%)
After Hours: 2/20/2026, 8:07:51 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

TOWN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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. 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.
  • TOWN had positive earnings in each of the past 5 years.
  • 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

  • TOWN has a Return On Assets of 0.86%. This is comparable to the rest of the industry: TOWN outperforms 45.91% of its industry peers.
  • The Return On Equity of TOWN (6.98%) is worse than 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

  • The Profit Margin of TOWN (20.24%) is worse than 66.49% of its industry peers.
  • TOWN's Profit Margin has declined 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) 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.
  • TOWN has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, TOWN has more shares outstanding
  • 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

  • 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 (0.13) which 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
WACC15.33%
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%.
  • The Revenue has been growing slightly by 4.70% on average over the past years.
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.
  • TOWN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.04% yearly.
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.
  • 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 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

  • A Price/Earnings ratio of 11.91 indicates a reasonable valuation of TOWN.
  • TOWN's Price/Earnings ratio is a bit cheaper when compared to the industry. TOWN is cheaper than 62.27% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of TOWN to the average of the S&P500 Index (26.99), we can say TOWN is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.89, which indicates a very decent valuation of TOWN.
  • TOWN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TOWN is cheaper than 70.18% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.02. TOWN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.91
Fwd PE 9.89
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.
  • A more expensive valuation may be justified as TOWN's earnings are expected to grow with 15.26% in the coming years.
PEG (NY)0.58
PEG (5Y)1.4
EPS Next 2Y15.26%
EPS Next 3YN/A

More info and screens

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

7

5. Dividend

5.1 Amount

  • TOWN has a Yearly Dividend Yield of 3.00%. Purely for dividend investing, there may be better candidates out there.
  • TOWN's Dividend Yield is comparable with the industry average which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.81, TOWN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3%

5.2 History

  • The dividend of TOWN is nicely growing with an annual growth rate of 7.96%!
  • TOWN has been paying a dividend for at least 10 years, so it has 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
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

  • TOWN's earnings are growing more than its dividend. This makes the dividend growth 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

More info and screens

Find the best dividend stocksShow peers with best dividend

TOWNE BANK

NASDAQ:TOWN (2/20/2026, 8:07:51 PM)

After market: 35.96 0 (0%)

35.96

+0.18 (+0.5%)

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 Cap3.32B
Revenue(TTM)835.09M
Net Income(TTM)169.04M
Analysts80
Price Target41.82 (16.3%)
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 11.91
Fwd PE 9.89
P/S 3.97
P/FCF N/A
P/OCF N/A
P/B 1.37
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)3.02
EY8.4%
EPS(NY)3.64
Fwd EY10.11%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.05
BVpS26.26
TBVpS18.77
PEG (NY)0.58
PEG (5Y)1.4
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
WACC15.33%
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%.