# TowneBank (TOWN) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $37.59, market value $3.5 billion.

## Valuation
- **P/E (trailing): 18.1×** (5-yr avg 13.2×, 3-yr avg 14.2×). TowneBank trades at 18.1× trailing earnings, well above its own five-year average of 13.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 3.92**. A PEG of 3.92 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 3.9×**. Each dollar of revenue is priced at 3.9×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 3.7%** (5-yr avg 9.1%). Free cash flow equals 3.7% of the market value, below its five-year average of 9.1%, so the shares are pricier on cash than usual.
- **Earnings yield: 5.5%**. The inverse of the P/E: 5.5% of the price is earned each year.

## Profitability
- **Net margin: 20.3%**. 20.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 7.0%**. 7.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.8%**. Each dollar of assets produces 0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 20.5%** (3-yr 6.7%/yr). Revenue grew 20.5% over the last year.
- **EPS growth (1 yr): 2.8%** (3-yr -5.3%/yr). Earnings per share rose 2.8%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -16.5%/yr**. Free cash flow has compounded at -16.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $1.4 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.92%** ($1.09 per share, trailing). TowneBank yields 2.92%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 47%** (64% of free cash flow). 47% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 18**. 18 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 8.0%/yr** (1-yr 6.0%). The dividend has grown 8.0% a year over five years.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover TowneBank; the consensus is buy, with an average price target of $40.00 (+6% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 8.2%** (YTD 16.8%, 3-mo 11.0%). The shares are up 8.2% over twelve months including dividends.
- **From 52-week high: -3.7%** (17.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.50** (volatility 21%). Beta of 0.50 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TOWN · Page: https://foliofundamentals.com/stocks/town

Not investment advice.