TOWN logo

TOWNE BANK

TOWNNASDAQ
πŸ† #1616 by market capEarnings Oct 22US Equity
$35.89β–² $0.06 (+0.18%)
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24hβ–² 0.2%
7dβ–Ό 0.5%
14dβ–Ό 3.5%
30dβ–Ό 3.1%
ytdβ–² 7.5%
1yβ–² 3.8%
🏦Market Cap
$3.31B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-1.6%
Declining
πŸ“ŠGross Margin
76.0%
High
πŸ’΅FCF Margin
10.1%
Healthy
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$35.58 – $36.35
52-Week Range
$31.91 – $39.03
Volume
$3.15B
Avg Volume
$2.46B
Shares Outstanding
92.2M
Next Earnings
Nov 7, 2026

Fundamentals Snapshot

Annual Revenue
$1.01B
Last Q Revenue
$497M
P/E Ratio
10.1
P/S Ratio
2.6x
EPS (TTM)
$3.40
Dividend Yield
4.99%
Dilution (1yr)
+5.0%

Why Investors Own TOWN

  • βœ“High-growth profile β€” revenue up +40.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 26% gross margin and 15% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

TOWN logo

TOWNE BANK

TOWN
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.0Bβ–Ό βˆ’1.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
69.6%β–² +2.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$210Mβ–² +10.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$212Mβ–² +161.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
79.1Mβ–² +5.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$118Mβ–Ό βˆ’$1.2B YoY
StockOtter Β· stockotter.space

About TOWNE BANK

TowneBank functions as a comprehensive financial institution, delivering a wide array of retail and commercial banking services to individuals, businesses, and professionals. Its operations are structured across three primary divisions: Banking, Realty, and Insurance. Clients can establish diverse deposit accounts, such as checking accounts, standard savings, high-yield savings, certificates of deposit (CDs), and individual retirement accounts. The bank facilitates various lending solutions, including secured and unsecured personal loans for purchases like vehicles, home renovations, educational expenses, and individual investments. It also extends commercial loans designed for working capital, business growth, and the acquisition of equipment. Furthermore, TowneBank provides mortgage financing, encompassing general home loans and specialized loans for real estate acquisition, development, and construction. Beyond core lending and deposit offerings, TowneBank delivers practical services like safe deposit boxes, comprehensive treasury management, direct deposit for paychecks and government benefits, and automated transfers. Modern banking conveniences are also available through its online, mobile, and on-call platforms. Moreover, it supports investors with documentation for tax deferral, offers expertise in investment and asset management, and provides commercial mortgage brokerage. The institution also delivers a suite of financial planning services, including retirement and estate planning, and guides clients through diverse investment opportunities like alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing programs. Its realty division handles residential real estate services, including relocation assistance, property management, vacation rentals, and title and settlement processes. It also originates residential mortgage loans. Through its insurance arm, TowneBank furnishes various types of coverage, such as life, property, casualty, and auto insurance. It additionally administers employee benefits packages, encompassing health, dental, vision, and disability insurance. TowneBank maintains a regional presence across Richmond and the greater Hampton Roads area in southeastern Virginia, extending into northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. Founded in 1998, TowneBank's corporate headquarters are situated in Portsmouth, Virginia.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Buy
10 analysts
Strong Buy2
Buy5
Hold3
Sell0
Strong Sell0
Ratings as of Sep 2026

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