TowneBank (TOWN US)
TOWN US$36.11
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Performance
Share price activity
- Last (Price)
- 36.11
- Change
- ▼ -0.41 (-1.11)
- Bid / Ask
- 23.19 - 36.11
- Volume
- 85,754
- Turnover
- 1,852,496
- Open
- 36.56
- Day Range
- 35.83 - 36.58
- VWAP
- 36.06
- Prev Close
- 36.51
- Last Trade
- 28/10 4:00pm
Key information
- Sector
- Financial Services
- Shares Issued
- 75,000,686
- NTA/Share
- 22.02
- Last Dividend
- 0.28
- Dividend Ex Date
- 25 SEP 2026
- Dividend Pay Date
- 9 OCT 2026
Current (USD) · FY2025
- Revenue
- 833.69
- EBITDA
- —
- Profit
- 169.53
- Earnings Per Share (EPS)
- 2.21
- Dividend Per Share (DPS)
- 1.06
- Yield %
- 2.99
- Market Cap
- 3,412.10
- Price to Earnings Ratio (P/E)
- 17.36
Estimates (AUD)
- Revenue
- —
- EBITDA
- —
- Profit
- —
- Earnings Per Share (EPS)
- —
- Dividend Per Share (DPS)
- —
Quantitative rating
Fairly valued
- Economic Moat
- Narrow
- Financial Health
- Strong
- Uncertainty
- High
Morningstar Quantitative Rating as of 22 OCT 2026.
Quantitative Equity Rating Methodology – view here
Fair value estimate
Five-star price 27.65 Fair value 36.24 One-star price 47.49
Morningstar Quantitative Rating as of 22 OCT 2026.
Quantitative valuation
- Fair Value
- 36.24
- Price / Fair Value
- 1.01
- Valuation
- Fairly valued
- Uncertainty
- High
Morningstar Quantitative Rating as of 22 OCT 2026. The slider runs from the five-star price (27.65) to the one-star price (47.49).
| Ratios |
|---|
| Currency (Price/reporting): USD/USD |
| Exchange Rate: 1.0000 |
| Price - closing or last bid | 36.74 |
| Price - 12 month high | 39.00 |
| Price - 12 month low | 31.95 |
| Pricing date | 21 OCT 2026 |
| Volume - avg. trading volume for the last ten days | 0.51 |
| Market capitalization | 3,355.34 |
| 12 Month High price date | 29 JUL 2026 |
| 12 Month Low price date | 17 NOV 2025 |
| Volume - avg. trading volume for the last 3 months | 0.56 |
| Price - 1 Day % Change | 2.57% |
| Price - 13 week price percent change | 1.80% |
| Price - 26 week price percent change | 3.64% |
| Price - 5 Day % Change | 4.14% |
| Price - 52 week price percent change | 9.28% |
| Price - YTD price percent change | 9.35% |
| Price % Change Month To Date | 1.05% |
| EPS excluding extraordinary items - most recent fiscal year | 2.210 |
| EPS excluding extraordinary items - trailing 12 month | 1.990 |
| EPS Normalized - most recent fiscal year | 2.897 |
| Revenue/share - most recent fiscal year | 10.862 |
| Revenue/share - trailing 12 month | — |
| Book value per share - most recent fiscal year | 30.673 |
| Book value per share - most recent quarter | 31.677 |
| Book value (tangible) per share - most recent fiscal year | 22.015 |
| Book value (tangible) per share - most recent quarter | 21.819 |
| Cash per share - most recent fiscal year | 17.105 |
| Cash per share - most recent quarter | 17.111 |
| Cash Flow per share - most recent fiscal year | 3.466 |
| Cash Flow per share - trailing 12 month | 2.605 |
| Dividend per share - most recent fiscal year | 1.060 |
| Dividends per share - trailing 12 month | 1.100 |
| EBITD per share - trailing 12 month | — |
| EPS Basic excluding extraordinary items - most recent fiscal year | 2.220 |
| EPS Basic excluding extraordinary items - trailing 12 month | 2.000 |
| EPS including extraordinary items - most recent fiscal year | 2.220 |
| EPS including extraordinary items - trailing 12 month | 2.000 |
| Free Cash Flow per share - trailing 12 month | 1.958 |
| P/E excluding extraordinary items, most recent fiscal year | 18.46 |
| P/E Normalized, most recent fiscal year | 12.45 |
| Price to sales - most recent fiscal year | 3.33 |
| Price to Tangible Book - most fiscal year | 1.69 |
| Price to Free Cash Flow per Share - most recent fiscal year | 18.77 |
| Price to Cash Flow per share - trailing 12 month | 14.10 |
| Price to Book - most recent fiscal year | 1.16 |
| P/E excluding extraordinary items high, trailing 12 months | 19.48 |
| P/E excluding extraordinary items low, trailing 12 months | 14.13 |
| Net Debt, LFI | 17,430.79 |
| Net Debt, LFY | 15,529.61 |
| Dividend Yield - 5 Year Average | 3.05% |
| Dividend Yield - indicated annual dividend divided by closing price | 3.07% |
| Current Dividend Yield - Common Stock Primary Issue, LTM | 2.99% |
| Free Cash Flow - most recent fiscal year | 216.20 |
| LT debt/equity - most recent fiscal year | — |
| Payout ratio - most recent fiscal year | 47.96% |
| Total debt/total equity - most recent fiscal year | 694.94% |
| LT debt/equity - most recent quarter | — |
| Total debt/total equity - most recent quarter | 655.26% |
| Free Cash Flow - trailing 12 month | 157.73 |
| Payout ratio - trailing 12 month | 54.27% |
| Revenue - most recent fiscal year | 833.69 |
| Revenue - trailing 12 month | 888.09 |
| EBITD - most recent fiscal year | — |
| EBITD - trailing 12 month | — |
| Earnings before taxes - most recent fiscal year | 210.22 |
| Earnings before taxes - trailing 12 month | 201.35 |
| Net Income available to common - most recent fiscal year | 169.53 |
| Net Income available to common - trailing 12 months | 159.93 |
| Earnings before taxes Normalized - most recent fiscal year | 275.22 |
| Net Income Available to Common, Normalized - most recent fiscal year | — |
| Earnings per Share, Normalized, Excluding Extraordinary Items, Avg. Diluted Shares Outstanding, TTM | — |
| Net Profit Margin % - 1st historical fiscal year | 20.49% |
| Net Profit Margin % - trailing 12 month | 18.13% |
| Operating margin - 1st historical fiscal year | — |
| Operating margin - trailing 12 month | — |
| Pretax margin - trailing 12 month | 22.67% |
| Pretax margin - 1st historical fiscal year | 25.22% |
| Operating Margin - 5 year average | — |
| Pretax Margin - 5 year average | 31.02% |
| Free Operating Cash Flow/Revenue, 5 Year Average | 36.40% |
| Free Operating Cash Flow/Revenue, TTM | — |
| Net Profit Margin - 5 year average | 25.42% |
| Return on average assets - most recent fiscal year | 0.92% |
| Return on average assets - trailing 12 month | — |
| Return on average equity - most recent fiscal year | 7.50% |
| Return on average equity - trailing 12 month | — |
| Return on average assets - 5 year average | 1.09% |
| Return on average equity - 5 year average | 9.18% |
| Net Income/employee - most recent fiscal year | 57,389.45 |
| Revenue/employee - most recent fiscal year | 280,136.09 |
| Revenue growth rate, 5 year | 4.71% |
| EPS growth rate, 5 year | 1.92% |
| Growth rate% - dividend, 3 year | 6.00% |
| Revenue/share (5 yr growth) | 3.48% |
| Growth rate% - Revenue, 3 year | 6.70% |
| Growth rate% - EPS, 3 year | -5.27% |
| Book value per share growth rate, 5 year | 4.76% |
| Capital Spending growth rate, 5 year | 1.69% |
| Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR | — |
Financial forecast (AUD, millions except per share)
No consensus estimates are available for this company.
Financials (USD, millions)
| Period end: | DEC 21 | DEC 22 | DEC 23 | DEC 24 | DEC 25 |
| Fiscal year: | 2021 | 2022 | 2023 | 2024 | 2025 |
| Period length: | 12 months | 12 months | 12 months | 12 months | 12 months |
Announcements
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Business Summary
Towne Bank is a financial services company serving individuals, commercial enterprises and professionals, offering retail and commercial banking services in Virginia and North Carolina. The company has four reportable segments: Banking, which provides loan and deposit services, commercial mortgage brokerage, and investment and asset management services; Mortgage, which originates mortgage loans principally sold in the secondary market through purchase commitments from investors; Resort Vacation Management, which provides residential resort property management services; and Insurance, which provides property, casualty, life and health insurance solutions for businesses, individuals and community organizations through a variety of carriers.