TOWNE BANK (TOWN) Fundamental Analysis & Valuation

NASDAQ:TOWN • US89214P1093

Current stock price

36.31 USD
+0.97 (+2.74%)
At close:
36.2914 USD
-0.02 (-0.05%)
After Hours:

This TOWN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. TOWN Profitability Analysis

1.1 Basic Checks

  • TOWN had positive earnings in the past year.
  • TOWN had positive earnings in each of the past 5 years.
  • TOWN had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M 500M

1.2 Ratios

  • With a Return On Assets value of 0.86%, TOWN is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 6.98%, TOWN is doing worse than 71.62% of the companies in the same industry.
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 70.82% 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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1

2. TOWN Health Analysis

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
  • The debt/assets ratio for TOWN has been reduced compared to a year ago.
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.
  • 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
WACC15.43%
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. TOWN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.53% over the past year.
  • The Earnings Per Share has been growing by 8.48% on average over the past years. This is quite good.
  • TOWN shows a strong growth in Revenue. In the last year, 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

  • Based on estimates for the next years, TOWN will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.41% on average per year.
  • The Revenue is expected to grow by 16.14% on average over the next years. This is quite good.
EPS Next Y18.51%
EPS Next 2Y15.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.25%
Revenue Next 2Y16.14%
Revenue Next 3YN/A
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.
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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5

4. TOWN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.02 indicates a correct valuation of TOWN.
  • Compared to the rest of the industry, the Price/Earnings ratio of TOWN is on the same level as its industry peers.
  • TOWN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.89.
  • TOWN is valuated reasonably with a Price/Forward Earnings ratio of 10.15.
  • Based on the Price/Forward Earnings ratio, TOWN is valued a bit cheaper than the industry average as 63.13% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.50, TOWN is valued rather cheaply.
Industry RankSector Rank
PE 12.02
Fwd PE 10.15
TOWN Price Earnings VS Forward Price EarningsTOWN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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

  • 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 15.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
PEG (5Y)1.42
EPS Next 2Y15.41%
EPS Next 3YN/A

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

7

5. TOWN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.06%, TOWN has a reasonable but not impressive dividend return.
  • TOWN's Dividend Yield is a higher than the industry average which is at 2.58.
  • TOWN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.06%

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 Years14
Div Non Decr Years18
TOWN Yearly Dividends per shareTOWN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 2Y15.41%
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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TOWN Fundamentals: All Metrics, Ratios and Statistics

TOWNE BANK

NASDAQ:TOWN (4/17/2026, 8:00:02 PM)

After market: 36.2914 -0.02 (-0.05%)

36.31

+0.97 (+2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners51.78%
Inst Owner Change0.13%
Ins Owners5.46%
Ins Owner ChangeN/A
Market Cap3.35B
Revenue(TTM)835.09M
Net Income(TTM)169.04M
Analysts80
Price Target40.03 (10.25%)
Short Float %2.47%
Short Ratio3.93
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
Yearly Dividend1
Dividend Growth(5Y)7.96%
DP0%
Div Incr Years14
Div Non Decr Years18
Ex-Date03-31
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)0%
PT rev (3m)-3.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.63%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.72%
Valuation
Industry RankSector Rank
PE 12.02
Fwd PE 10.15
P/S 4.02
P/FCF N/A
P/OCF N/A
P/B 1.38
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)3.02
EY8.32%
EPS(NY)3.58
Fwd EY9.86%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.04
BVpS26.22
TBVpS18.74
PEG (NY)0.65
PEG (5Y)1.42
Graham Number42.2107 (16.25%)
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
WACC15.43%
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 Y18.51%
EPS Next 2Y15.41%
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 Year28.25%
Revenue Next 2Y16.14%
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 Fundamental Analysis 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.


Can you provide the profitability details for TOWNE BANK?

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.


What is the earnings growth outlook for TOWNE BANK?

The Earnings per Share (EPS) of TOWNE BANK (TOWN) is expected to grow by 18.51% in the next year.