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Overview
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TowneBank stock

TOWN
US89214P1093
A0CA4B

Price

36.84
Today +/-
-0.09
Today %
-0.24 %

TowneBank stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the TowneBank stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the TowneBank stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the TowneBank stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze TowneBank's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

TowneBank Stock Price History

DateTowneBank Price
2/13/202536.84 undefined
2/12/202536.93 undefined
2/11/202536.47 undefined
2/10/202537.32 undefined
2/9/202536.69 undefined
2/6/202536.80 undefined
2/5/202537.30 undefined
2/4/202536.85 undefined
2/3/202536.35 undefined
2/2/202535.46 undefined
1/30/202535.77 undefined
1/29/202535.89 undefined
1/28/202535.94 undefined
1/27/202536.09 undefined
1/26/202536.33 undefined
1/23/202534.87 undefined
1/22/202534.84 undefined
1/21/202534.33 undefined
1/20/202534.51 undefined

TowneBank Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into TowneBank, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by TowneBank from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects TowneBank’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of TowneBank. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into TowneBank’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing TowneBank’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on TowneBank’s growth potential.

TowneBank Revenue, EBIT and net profit per share

DateTowneBank RevenueTowneBank Net Income
2026e894.14 M undefined246.84 M undefined
2025e814.05 M undefined199.41 M undefined
20241.03 B undefined161.76 M undefined
2023941.58 M undefined153.72 M undefined
2022743.5 M undefined189 M undefined
2021721.5 M undefined215.4 M undefined
2020744.4 M undefined145.5 M undefined
2019673.4 M undefined138.8 M undefined
2018613.4 M undefined133.8 M undefined
2017493.2 M undefined87.7 M undefined
2016409.8 M undefined67.3 M undefined
2015330.2 M undefined62.4 M undefined
2014269.2 M undefined41.4 M undefined
2013260.8 M undefined37.5 M undefined
2012257.7 M undefined31.7 M undefined
2011240.2 M undefined22.9 M undefined
2010235.3 M undefined20.9 M undefined
2009223.8 M undefined16.7 M undefined
2008194.8 M undefined22.5 M undefined
2007192.7 M undefined23.3 M undefined
2006160.1 M undefined21.8 M undefined
2005123.6 M undefined17.7 M undefined

TowneBank Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025e2026e
0.050.060.080.120.160.190.190.220.240.240.260.260.270.330.410.490.610.670.740.720.740.941.030.810.89
-9.6240.3553.7530.0820.001.0414.955.382.137.081.173.4622.6823.9420.5424.349.7910.55-3.093.0526.658.93-20.599.83
-------------------------
0000000000000000000000000
00000000000000000000000260325
-------------------------
561117212322162022313741626787133138145215189153161199246
-20.0083.3354.5523.539.52-4.35-27.2725.0010.0040.9119.3510.8151.228.0629.8552.873.765.0748.28-12.09-19.055.2323.6023.62
-------------------------
-------------------------
16.317.123.825.927.227.127.327.530.430.93132.935.251.15762.471.372.272.372.572.674.6675.1600
-------------------------
Details

Keystats

ⓘ

Revenue and Growth

The TowneBank Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the TowneBank is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (B)
2003200420052006200720082009201020112012201320142015201620172018201920202021202220232024
                                           
0000000000000000000000
0000000000000000000000
0000000000000000000000
0000000000000000000000
0000000000000000000000
0000000000000000000000
37556467757990115134145153156174199195212279321324383413.08368.88
00000000016161516152333599210216300
0000000000000000000000
00661212191717161623263839595446504364.6360.17
25050515660819298103104113155265270434447452457458456.34457.62
0000000000000000000000
0.040.110.120.120.140.150.190.220.250.280.290.310.370.520.530.740.840.910.931.050.930.89
0.040.110.120.120.140.150.190.220.250.280.290.310.370.520.530.740.840.910.931.050.930.89
                                           
2636383940444918018418613513686104104121121121121121124.85125.46
0.040.130.160.160.170.310.340.230.230.260.310.320.540.750.751.041.041.051.051.051.111.12
0.010.020.020.030.050.060.070.080.090.10.130.160.190.230.280.380.470.560.720.840.921.01
0-1-2124-203-10-1-1-1-20-4-4-388.07-116.05
000000000201-2-3-4-9154514-149-126.830
0.080.190.210.230.260.420.460.490.520.550.580.610.811.081.131.531.641.771.91.872.042.14
0000000000000000000000
00000000000000005064575353.360
0000000000000000000000
01011353736221412124832373225475268774132.8333.68
0000000000000000000000
01011353736221412124832373225471021321349486.1833.68
22444342424151141400000247248248432250276285.19260
0000000000000000000000
9122840353454586574788896133132160200250333262310.62357.06
315671827775105727974788896133379408448682583538595.81617.06
316682117114111127869186126120133165404455550814717632682650.75
0.110.250.290.350.370.530.580.580.610.640.70.730.941.241.541.982.192.582.622.512.722.79
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of TowneBank provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand TowneBank's financial health and stability.

Assets

TowneBank's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that TowneBank must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of TowneBank after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into TowneBank's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
561117212324263032394444657292137143169225190155
11446799911111213162024282929282834
0000000-3-401-2-1330-14-16010-3
-2035-10112-130-607-39-1457-15-48924142-193-38254174-22
027514332335311124-916174
00000000000262731353858108834455230
3147101111121613112018152336242835512413
-13461329411935-26455401154481184141307-16127518415161
-10-13-13-13-8-13-9-16-26-27-20-19-11-23-18-13-20-36-45-31-52-44
-158-219-191-309-416-281-616-417-32-7-497-262-282-98-500-209-636-753-1,119-547-2,047-335
-147-205-177-296-408-268-607-401-619-476-243-271-75-482-195-615-716-1,073-516-1,994-291
0000000000000000000000
41924-261241556687-150-5310051-13-22917078-131-322182-474-164139
2333411514020100-10-7522210000
0.20.160.180.310.360.280.60.420.070.170.270.220.250.060.20.450.490.532.411.46-0.510.15
0.170.140.130.340.240.130.40.320.240.240.190.190.280.380.060.410.670.92.281.99-0.280.08
00-1-2-5-12-9-16-17-17-19-13-16-22-30-34-44-49-52-55-62-71
0.02-0.010.010.03-0.020.020.02-0.030.090.16-0.180.080.010.04-0.120.380.17-0.241.421.43-2.14-0.02
-23.732.6-0.516.433.86.525.9-4318.9-21.719.796.332.657.8166.4127.7286.6-52.782.1487.6363.2117.17
0000000000000000000000

TowneBank stock margins

The TowneBank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of TowneBank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for TowneBank.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the TowneBank's sales revenue. A higher gross margin percentage indicates that the TowneBank retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the TowneBank's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the TowneBank's total revenue generated. When comparing the revenue margin year over year, investors can gauge the TowneBank's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the TowneBank. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the TowneBank's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

TowneBank Margin History

DateTowneBank Profit margin
2026e27.61 %
2025e24.5 %
202415.77 %
202316.33 %
202225.42 %
202129.85 %
202019.55 %
201920.61 %
201821.81 %
201717.78 %
201616.42 %
201518.9 %
201415.38 %
201314.38 %
201212.3 %
20119.53 %
20108.88 %
20097.46 %
200811.55 %
200712.09 %
200613.62 %
200514.32 %

TowneBank Stock Sales Revenue, EBIT, Earnings per Share

The TowneBank earnings per share therefore indicates how much revenue TowneBank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue TowneBank earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates TowneBank's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of TowneBank’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating TowneBank's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

TowneBank Revenue, EBIT and net profit per share

DateTowneBank Sales per ShareTowneBank Earnings per Share
2026e11.9 undefined3.28 undefined
2025e10.83 undefined2.65 undefined
202413.65 undefined2.15 undefined
202312.61 undefined2.06 undefined
202210.24 undefined2.6 undefined
20219.95 undefined2.97 undefined
202010.3 undefined2.01 undefined
20199.33 undefined1.92 undefined
20188.6 undefined1.88 undefined
20177.9 undefined1.41 undefined
20167.19 undefined1.18 undefined
20156.46 undefined1.22 undefined
20147.65 undefined1.18 undefined
20137.93 undefined1.14 undefined
20128.31 undefined1.02 undefined
20117.77 undefined0.74 undefined
20107.74 undefined0.69 undefined
20098.14 undefined0.61 undefined
20087.14 undefined0.82 undefined
20077.11 undefined0.86 undefined
20065.89 undefined0.8 undefined
20054.77 undefined0.68 undefined

TowneBank business model

Towne Bank is an American bank based in Virginia Beach, Virginia. The company was founded in 1998 and has since expanded its reach. With over 40 locations in Virginia and North Carolina, Towne Bank has established itself as one of the leading community banks in the region. Towne Bank's business model is based on offering comprehensive financial services to both individuals and businesses. The bank focuses on personal advice and direct contact with its customers. While many banks today rely heavily on technology and automated processes, Towne Bank prioritizes individual customer care. The range of services offered by Towne Bank includes traditional banking products such as accounts, loans, and savings, as well as a variety of securities and insurance offerings. In addition to these financial services, the bank also provides advisory services in wealth management, taxes, and estate planning. Towne Bank is divided into different business areas, each offering specific services. One of these areas is retail banking, which focuses on serving individual customers. This includes account opening and management, lending, as well as advisory services on topics such as retirement planning. Retail banking also offers a wide range of financial and insurance products, such as credit cards, mortgages, car loans, and life insurance. In addition to retail banking, Towne Bank also operates commercial banking, which specializes in serving businesses and corporate clients. In addition to traditional banking services, commercial banking offers tailored solutions for financing investments, managing liquidity and risk, and cash management. It also provides specialized offerings for industries such as healthcare, construction and real estate, and retail. Another business area of Towne Bank is wealth management, which caters to affluent clients in all aspects of wealth management. This includes asset management, investment advisory, tax and estate planning, as well as advice on topics such as foundations, trusts, and philanthropic activities. In addition to these core areas, Towne Bank also operates a number of service companies focused on specialized services such as payment processing and risk management. This allows the bank's customers to benefit from a wide range of service and support offerings. Overall, Towne Bank is characterized by a high customer orientation, a comprehensive product range, and personal care. These factors have contributed to the company's steady growth since its founding and its position as one of the leading financial service providers in the southeastern United States. TowneBank is one of the most popular companies on Eulerpool.com.

TowneBank SWOT Analysis

Strengths

1. Strong Financial Position:

Towne Bank has a solid financial foundation, with steady growth in assets and a healthy liquidity position, which allows them to meet customer needs efficiently.

2. Diversified Product Portfolio:

The bank offers a wide range of products and services, including retail and commercial banking, mortgage lending, insurance, wealth management, and more. This diversification helps minimize risk and maximize revenue potential.

3. Strong Customer Relationships:

Towne Bank emphasizes building long-term relationships with customers through personalized services, excellent customer support, and community involvement. This leads to customer loyalty and repeat business.

4. Technological Innovations:

The bank invests in cutting-edge technology to streamline operations, enhance cybersecurity, and provide customers with convenient digital banking solutions. This positions them well for the increasingly digital financial industry.

Weaknesses:

1. Limited Geographic Presence:

Towne Bank's operations are primarily focused on specific regions, limiting its reach compared to larger national or global banks. This poses a challenge in expanding its customer base beyond its current markets.

2. Reliance on Interest Income:

The bank heavily relies on interest income as its main revenue source. This exposes them to fluctuations in interest rates, which can impact profitability during periods of low interest rates.

3. Lack of Brand Recognition:

While Towne Bank has a solid presence within its communities, it may face challenges in competing with larger banks that have stronger national or global brand recognition.

Opportunities:

1. Market Expansion:

Towne Bank can explore opportunities to expand its geographic presence by acquiring or partnering with smaller regional banks or considering branching into new markets. This would allow them to diversify their customer base and increase market share.

2. Growing Demand for Digital Banking:

With the increasing popularity of online and mobile banking, Towne Bank can capitalize on this trend by further developing its digital banking platforms and attracting tech-savvy customers who value convenience.

3. Cross-Selling Opportunities:

As Towne Bank already offers a comprehensive suite of financial services, they can focus on cross-selling to existing customers. By promoting additional products and services, they can increase customer loyalty and revenue streams.

Threats:

1. Increasing Regulatory Compliance:

As the banking industry faces stricter regulations, Towne Bank must allocate significant resources to ensure compliance, which may increase operational costs.

2. Intense Competition:

The banking sector is highly competitive, with both traditional banks and fintech companies vying for market share. Towne Bank needs to constantly innovate and differentiate itself to stay ahead in this crowded market.

3. Economic Uncertainty:

Fluctuations in the economy, interest rates, and financial markets can impact Towne Bank's profitability and loan quality. Economic downturns or recessions pose risks to their loan portfolio and overall financial performance.

Weaknesses

1. Limited Geographic Presence:

Towne Bank's operations are primarily focused on specific regions, limiting its reach compared to larger national or global banks. This poses a challenge in expanding its customer base beyond its current markets.

2. Reliance on Interest Income:

The bank heavily relies on interest income as its main revenue source. This exposes them to fluctuations in interest rates, which can impact profitability during periods of low interest rates.

3. Lack of Brand Recognition:

While Towne Bank has a solid presence within its communities, it may face challenges in competing with larger banks that have stronger national or global brand recognition.

Opportunities:

1. Market Expansion:

Towne Bank can explore opportunities to expand its geographic presence by acquiring or partnering with smaller regional banks or considering branching into new markets. This would allow them to diversify their customer base and increase market share.

2. Growing Demand for Digital Banking:

With the increasing popularity of online and mobile banking, Towne Bank can capitalize on this trend by further developing its digital banking platforms and attracting tech-savvy customers who value convenience.

3. Cross-Selling Opportunities:

As Towne Bank already offers a comprehensive suite of financial services, they can focus on cross-selling to existing customers. By promoting additional products and services, they can increase customer loyalty and revenue streams.

Threats:

1. Increasing Regulatory Compliance:

As the banking industry faces stricter regulations, Towne Bank must allocate significant resources to ensure compliance, which may increase operational costs.

2. Intense Competition:

The banking sector is highly competitive, with both traditional banks and fintech companies vying for market share. Towne Bank needs to constantly innovate and differentiate itself to stay ahead in this crowded market.

3. Economic Uncertainty:

Fluctuations in the economy, interest rates, and financial markets can impact Towne Bank's profitability and loan quality. Economic downturns or recessions pose risks to their loan portfolio and overall financial performance.

Opportunities

1. Market Expansion:

Towne Bank can explore opportunities to expand its geographic presence by acquiring or partnering with smaller regional banks or considering branching into new markets. This would allow them to diversify their customer base and increase market share.

2. Growing Demand for Digital Banking:

With the increasing popularity of online and mobile banking, Towne Bank can capitalize on this trend by further developing its digital banking platforms and attracting tech-savvy customers who value convenience.

3. Cross-Selling Opportunities:

As Towne Bank already offers a comprehensive suite of financial services, they can focus on cross-selling to existing customers. By promoting additional products and services, they can increase customer loyalty and revenue streams.

Threats:

1. Increasing Regulatory Compliance:

As the banking industry faces stricter regulations, Towne Bank must allocate significant resources to ensure compliance, which may increase operational costs.

2. Intense Competition:

The banking sector is highly competitive, with both traditional banks and fintech companies vying for market share. Towne Bank needs to constantly innovate and differentiate itself to stay ahead in this crowded market.

3. Economic Uncertainty:

Fluctuations in the economy, interest rates, and financial markets can impact Towne Bank's profitability and loan quality. Economic downturns or recessions pose risks to their loan portfolio and overall financial performance.

Threats

1. Increasing Regulatory Compliance:

As the banking industry faces stricter regulations, Towne Bank must allocate significant resources to ensure compliance, which may increase operational costs.

2. Intense Competition:

The banking sector is highly competitive, with both traditional banks and fintech companies vying for market share. Towne Bank needs to constantly innovate and differentiate itself to stay ahead in this crowded market.

3. Economic Uncertainty:

Fluctuations in the economy, interest rates, and financial markets can impact Towne Bank's profitability and loan quality. Economic downturns or recessions pose risks to their loan portfolio and overall financial performance.

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TowneBank Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

TowneBank historical P/E ratio, EBIT multiple, and P/S ratio

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TowneBank shares outstanding

The number of shares was TowneBank in 2024 — This indicates how many shares 75.161 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue TowneBank earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates TowneBank's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of TowneBank’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating TowneBank's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

TowneBank stock splits

In TowneBank's history, there have been no stock splits.

TowneBank dividend history and estimates

In 2024, TowneBank paid a dividend amounting to 1 USD. Dividend means that TowneBank distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for TowneBank provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify TowneBank’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating TowneBank's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

TowneBank Dividend History

DateTowneBank Dividend
2026e1.07 undefined
2025e1.07 undefined
20241 undefined
20230.98 undefined
20220.89 undefined
20210.78 undefined
20200.72 undefined
20190.7 undefined
20180.62 undefined
20170.69 undefined
20160.51 undefined
20150.47 undefined
20140.53 undefined
20130.38 undefined
20120.33 undefined
20110.31 undefined
20100.31 undefined
20090.31 undefined
20080.31 undefined
20070.31 undefined
20060.51 undefined
20050.12 undefined

TowneBank dividend payout ratio

In 2024, TowneBank had a payout ratio of 30.87%. The payout ratio indicates the percentage of the company's profits that TowneBank distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for TowneBank represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for TowneBank could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate TowneBank's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

TowneBank Payout Ratio History

DateTowneBank Payout ratio
2026e31.79 %
2025e32.4 %
202430.87 %
202332.1 %
202234.23 %
202126.26 %
202035.82 %
201936.46 %
201832.8 %
201749.29 %
201643.22 %
201538.52 %
201444.92 %
201333.33 %
201231.81 %
201140.88 %
201045.69 %
200951.78 %
200837.89 %
200736.55 %
200664.32 %
200518.02 %
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Unfortunately, there are currently no price targets and forecasts available for TowneBank.

TowneBank latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
12/31/20240.49 0.55  (12.34 %)2024 Q4
9/30/20240.57 0.58  (1.54 %)2024 Q3
6/30/20240.49 0.57  (17.02 %)2024 Q2
3/31/20240.49 0.48  (-2.36 %)2024 Q1
12/31/20230.47 0.44  (-5.4 %)2023 Q4
9/30/20230.53 0.6  (12.25 %)2023 Q3
6/30/20230.58 0.56  (-3.68 %)2023 Q2
3/31/20230.66 0.52  (-20.76 %)2023 Q1
12/31/20220.72 0.64  (-11.63 %)2022 Q4
9/30/20220.68 0.69  (0.97 %)2022 Q3
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5

Eulerpool ESG Scorecard© for the TowneBank stock

Eulerpool World ESG Rating (EESG©)

19/ 100

🌱 Environment

2

👫 Social

46

🏛️ Governance

11

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees68
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

TowneBank shareholders

%
Name
Stocks
Change
Date
9.72472 % The Vanguard Group, Inc.7,308,128-47,9896/30/2024
6.36952 % BlackRock Institutional Trust Company, N.A.4,786,69448,2886/30/2024
5.68142 % Dimensional Fund Advisors, L.P.4,269,588119,4596/30/2024
5.28775 % T. Rowe Price Investment Management, Inc.3,973,743144,3746/30/2024
2.74540 % Lawson (John R. II)2,063,1651,73310/14/2024
2.73648 % State Street Global Advisors (US)2,056,46774,8046/30/2024
2.21785 % Geode Capital Management, L.L.C.1,666,71480,2056/30/2024
1.37335 % Janus Henderson Investors1,032,074999,9626/30/2024
1.10620 % Charles Schwab Investment Management, Inc.831,31218,7386/30/2024
1.04446 % American Century Investment Management, Inc.784,9092,6766/30/2024
1
2
3
4
5
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10

TowneBank Executives and Management Board

Mr. William Morrison

(59)
TowneBank Chairman of the Board, Chief Executive Officer of TowneBank Mortgage and Realty Group, Director (since 2016)
Compensation 3.62 M

Mr. G. Robert Aston

(77)
TowneBank Executive Chairman of the Board (since 1998)
Compensation 1.58 M

Brad Schwartz

TowneBank Director (since 2016)
Compensation 1.46 M

Mr. William Littreal

(51)
TowneBank Chief Financial Officer, Senior Executive Vice President, Chief Strategy and Investor Relations Officer
Compensation 1.08 M

Mr. William Foster

(66)
TowneBank President, Chief Executive Officer, Director (since 2005)
Compensation 789,467
1
2
3
4
5
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8

Most common questions regarding TowneBank

What values and corporate philosophy does TowneBank represent?

Towne Bank represents values of integrity, loyalty, and exceptional customer service. With a commitment to building lasting relationships, Towne Bank embraces a strong corporate philosophy centered around trust, community involvement, and personalized financial solutions. As a leading financial institution, Towne Bank strives to prioritize the needs of its customers, providing a diverse range of innovative banking, mortgage, and investment services. Towne Bank's corporate philosophy embodies a dedication to maintaining strong ethical standards and fostering a culture of teamwork, professionalism, and respect. By embodying these values, Towne Bank consistently delivers excellence in financial services to its clients and contributes to the overall success of the communities it serves.

In which countries and regions is TowneBank primarily present?

Towne Bank is primarily present in the United States, specifically in the states of Virginia and North Carolina.

What significant milestones has the company TowneBank achieved?

Towne Bank, a renowned financial institution, has achieved several significant milestones throughout its history. The company has successfully expanded its footprint, opening numerous branches and offices to serve a wider customer base. Towne Bank's acquisition strategy has greatly contributed to its growth, allowing it to enhance its product portfolio and geographical reach. In addition, the bank has consistently delivered strong financial performance, achieving increased revenues and profits. Towne Bank's commitment to exceptional customer service and community involvement has earned it a solid reputation in the industry. Furthermore, the company's dedication to innovation and technological advancements has positioned it as a leader in the ever-evolving financial landscape.

What is the history and background of the company TowneBank?

Towne Bank is a well-established financial institution with a rich history and impressive background. Founded in 1999, Towne Bank has been serving the community for over two decades. Headquartered in Portsmouth, Virginia, it has expanded its presence to serve individuals and businesses across Virginia and North Carolina. With a strong commitment to customer satisfaction and community involvement, Towne Bank offers a wide range of banking services, including personal and commercial banking, mortgages, loans, and wealth management. The bank's emphasis on personalized service and innovative solutions has earned it a solid reputation in the financial industry. Towne Bank continues to grow and thrive while maintaining its dedication to its customers and communities it serves.

Who are the main competitors of TowneBank in the market?

The main competitors of Towne Bank in the market are Bank of America, Wells Fargo, and BB&T.

In which industries is TowneBank primarily active?

Towne Bank is primarily active in the financial services industry. With its headquarters in Portsmouth, Virginia, Towne Bank provides a wide range of banking services to individuals, businesses, and professionals in the Hampton Roads region. The bank offers personal and business banking solutions, mortgage and home equity loans, investment services, and insurance products. Towne Bank also has a strong presence in commercial real estate lending and serves as a trusted financial partner for many local businesses. Additionally, the bank actively supports the communities it serves through various philanthropic efforts and community development initiatives.

What is the business model of TowneBank?

The business model of Towne Bank revolves around providing a wide range of financial services to individuals, businesses, and organizations. As a community bank, Towne Bank aims to build strong relationships with its customers and help them achieve their financial goals. The bank offers various banking services such as checking accounts, savings accounts, loans, mortgages, credit cards, and wealth management solutions. Towne Bank focuses on meeting the needs of its local communities and fostering economic growth. With a commitment to personalized customer service and community development, Towne Bank strives to be a trusted financial partner for its customers.

What is the P/E ratio of TowneBank 2025?

The TowneBank P/E ratio is 13.89.

What is the P/S ratio of TowneBank 2025?

The TowneBank P/S ratio is 3.4.

What is the Quality Investing of TowneBank?

The Quality Investing for TowneBank is 5/10.

What is the revenue of TowneBank 2025?

The expected TowneBank revenue is 814.05 M USD.

How high is the profit of TowneBank 2025?

The expected TowneBank profit is 199.41 M USD.

What is the business model of TowneBank

Towne Bank is a US bank based in Suffolk, Virginia, that has been in operation since 1999 and offers a wide range of financial services. The company consists of several divisions, including banking, insurance, and investment services. The banking division offers various products and services, including checking accounts, savings accounts, credit cards, loans, mortgages, and online banking services. Towne Bank strives to meet the needs of its customers and also offers specialized accounts, such as business accounts, real estate accounts, and student accounts. The company's insurance division offers comprehensive insurance products, including life, auto, liability, accident, and health insurance. Towne Bank's employees work with various insurance companies to provide their customers with the best coverage. Towne Bank's investment services include brokerage services, investment funds, and retirement products. The bank employs experienced financial advisors who help their customers achieve their investment goals and plan for their financial future. While Towne Bank primarily caters to customers in Virginia, the company is committed to expanding its reach. It has branches in Virginia and North Carolina and plans to open additional branches to provide its customers with more accessible locations. Towne Bank has a strong commitment to the community and actively supports nonprofit organizations and local initiatives. The company has established its own charity organization, the TowneBank Foundation, to assist locally based communities. Overall, Towne Bank's business model is focused on providing its customers in Virginia and beyond with a wide range of financial services tailored to their needs and goals. The company relies on competent employees, a strong community connection, and a long-term vision to solidify its position as one of the leading financial institutions in the region.

What is the TowneBank dividend?

TowneBank pays a dividend of 0.89 USD distributed over payouts per year.

How often does TowneBank pay dividends?

The dividend cannot currently be calculated for TowneBank or the company does not pay out a dividend.

What is the TowneBank ISIN?

The ISIN of TowneBank is US89214P1093.

What is the TowneBank WKN?

The WKN of TowneBank is A0CA4B.

What is the TowneBank ticker?

The ticker of TowneBank is TOWN.

How much dividend does TowneBank pay?

Over the past 12 months, TowneBank paid a dividend of 1 USD . This corresponds to a dividend yield of about 2.71 %. For the coming 12 months, TowneBank is expected to pay a dividend of 1.07 USD.

What is the dividend yield of TowneBank?

The current dividend yield of TowneBank is 2.71 %.

When does TowneBank pay dividends?

TowneBank pays a quarterly dividend. This is distributed in the months of April, July, October, January.

How secure is the dividend of TowneBank?

TowneBank paid dividends every year for the past 22 years.

What is the dividend of TowneBank?

For the upcoming 12 months, dividends amounting to 1.07 USD are expected. This corresponds to a dividend yield of 2.9 %.

In which sector is TowneBank located?

TowneBank is assigned to the 'Finance' sector.

Wann musste ich die Aktien von TowneBank kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of TowneBank from 1/14/2025 amounting to 0.25 USD, you needed to have the stock in your portfolio before the ex-date on 12/31/2024.

When did TowneBank pay the last dividend?

The last dividend was paid out on 1/14/2025.

What was the dividend of TowneBank in the year 2024?

In the year 2024, TowneBank distributed 0.98 USD as dividends.

In which currency does TowneBank pay out the dividend?

The dividends of TowneBank are distributed in USD.

All fundamentals about TowneBank

Our stock analysis for TowneBank Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of TowneBank Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.