Stocks · Financial Services · Banks - Regional
TowneBank TOWN
$36.03 +0.45% Close, Oct 2, 2026 · NASDAQ · Market cap $3.32B
Strong growthInexpensive vs sector
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 22.4% in a year.
- Operating margin widened to 31.1% from 19.6% a year earlier.
- Diluted EPS over the last four quarters was $3.56, up 54.1% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 19%
- EPS growth (TTM, YoY)Top 19%
- FCF growth (TTM, YoY)Top 40%
- Revenue growth, 3-year CAGRBottom 33%
- Revenue growth accelerationTop 5%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 49%
- Gross marginTop 24%
- Operating marginTop 26%
- Cash conversion (OCF / net income)Bottom 26%
- Accruals (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Top 43%
- Interest coverTop 39%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 16%
- Free-cash-flow yieldBottom 33%
- EBITDA / enterprise valueTop 19%
- Sales / enterprise valueTop 40%
- P/E vs own 5-year history (lower is better)Top 14%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 50%
- 6-month returnTop 49%
- 1-year return vs S&P 500Top 49%
- Distance from 52-week highTop 39%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 34%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 30%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 25%
- Maximum drawdown, 3 yearsTop 26%
- Beta vs S&P 500 (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Top 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.4% | 23.6% | ↑ |
| EPS growth (YoY) | -15.7% | 54.1% | ↑ |
| Gross margin | 70.4% | 76.0% | ↑ |
| Operating margin | 19.6% | 31.1% | ↑ |
| FCF margin | 9.6% | 10.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 23.6% | 4.4% | ↑ | Top 19% |
| EPS growth (TTM, YoY) | 54.1% | -15.7% | ↑ | Top 19% |
| Gross margin | 76.0% | 70.4% | ↑ | Top 24% |
| Operating margin | 31.1% | 19.6% | ↑ | Top 26% |
| Net margin | 24.1% | 16.5% | ↑ | — |
| Free-cash-flow margin | 10.1% | 9.6% | ↑ | — |
| Return on invested capital | 1.4% | — | Top 49% | |
| Revenue growth, 3-year CAGR | 10.7% | — | Bottom 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.57×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.66×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.59%
- Net buyback yield (TTM)
- 0.02%
- Shareholder yield
- 4.61%
- Share count change, 1 year
- +22.4%
- Share count change, 3-year CAGR
- +7.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jun 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +1.6%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 4 of 8
Analysts
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -1.4% | -0.4% | +7.4% | +3.3% | — |
| Apr 22, 2026 | +0.0% | -0.6% | +0.8% | -4.4% | +2.6% |
| Jan 30, 2026 | -1.4% | -1.4% | +4.5% | -3.5% | +0.7% |
| Oct 22, 2025 | +9.1% | +0.2% | -0.7% | -4.3% | +4.5% |
| Jul 23, 2025 | +17.4% | +0.5% | -0.4% | -0.8% | -5.9% |
| Apr 23, 2025 | +11.5% | +1.3% | +3.4% | +9.7% | +11.7% |
| Jan 22, 2025 | +14.6% | -0.5% | +4.6% | +8.6% | -8.8% |
| Oct 23, 2024 | +3.6% | +0.7% | -3.2% | +5.0% | +2.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.78 | $0.79 | -1.4% | $245.7M |
| Apr 22, 2026 | $0.74 | $0.74 | +0.0% | $246.3M |
| Jan 30, 2026 | $0.70 | $0.71 | -1.4% | $219.8M |
| Oct 22, 2025 | $0.83 | $0.76 | +9.1% | $215.7M |
| Jul 23, 2025 | $0.81 | $0.69 | +17.4% | $207.4M |
| Apr 23, 2025 | $0.68 | $0.61 | +11.5% | $192.0M |
| Jan 22, 2025 | $0.55 | $0.48 | +14.6% | $175.9M |
| Oct 23, 2024 | $0.58 | $0.56 | +3.6% | $174.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.1× | 11.8× | 14th | Top 16% |
| P/E (forward) | 11.5× | — | — | — |
| EV / EBITDA | 8.2× | — | — | Top 19% |
| EV / Sales | 2.78× | — | — | Top 40% |
| Free-cash-flow yield | 3.97% | — | — | Bottom 33% |
| Earnings yield | 9.88% | — | — | Top 16% |
P/E over the past five years
Range 9.6× – 16.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +5.3%
- Earnings per share growth (TTM)
- +54.1%
- Change in P/E multiple
- -31.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 74
- 50-day average slope (20 days)
- +0.5%
- 200-day average slope (20 days)
- +0.8%
- Distance from 50-day average
- -3.3%
- Distance from 200-day average
- +1.4%
- RSI (14)
- 40.4
- Relative volume
- 1.09×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.80
- Correlation with S&P 500
- 0.53
- Current drawdown from 1-year high
- -7.0%
- Maximum drawdown, 3 years
- -19.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 13, 2022 | May 11, 2023 | -37.8% | 332 days | 328 days (Aug 30, 2024) |
| Dec 4, 2024 | Apr 8, 2025 | -19.2% | 84 days | 87 days (Aug 13, 2025) |
| Aug 13, 2025 | Nov 17, 2025 | -14.9% | 67 days | 55 days (Feb 6, 2026) |
| May 17, 2021 | Sep 20, 2021 | -14.1% | 87 days | 35 days (Nov 8, 2021) |
| Feb 6, 2026 | Mar 18, 2026 | -13.9% | 27 days | 89 days (Jul 27, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.32B
- P/E (TTM)
- 10.1
- EPS, diluted (TTM)
- $3.56
- Revenue (TTM)
- $1.30B
- Dividend yield
- 5.00%
- 52-week range
- $31.91 – $39.03
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $720.1M | $742.9M | $942.5M | $1.02B | $1.01B |
| Gross profit | $695.8M | $677.8M | $676.4M | $692.5M | $701.3M |
| Operating income | $279.8M | $237.1M | $186.2M | $190.4M | $210.2M |
| Net income | $215.4M | $189.0M | $153.7M | $161.8M | $169.5M |
| EPS (diluted) | $2.97 | $2.60 | $2.06 | $2.15 | $2.21 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $258.9M | $253.9M | $261.2M | $277.9M | $287.1M | $255.1M | $260.5M | $497.4M |
| Net income | $42.9M | $41.3M | $50.6M | $38.8M | $39.0M | $40.6M | $41.0M | $193.2M |
| EPS (diluted) | $0.57 | $0.55 | $0.67 | $0.52 | $0.51 | $0.51 | $0.45 | $2.09 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $518.8M | $415.5M | $161.3M | $138.4M | $261.5M |
| Capital expenditure | -$31.2M | -$52.3M | -$44.1M | -$57.3M | -$49.8M |
| Free cash flow | $487.6M | $363.2M | $117.2M | $81.1M | $211.7M |
| Dividends paid | -$55.3M | -$62.8M | -$71.4M | -$75.0M | -$79.3M |
| Net share buybacks | $0 | $0 | $0 | $3.6M | -$575,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $158.8M
- Total assets
- $22.62B
- Total liabilities
- $19.62B
- Total debt
- $450.2M
- Net debt
- $291.5M
- Shareholders’ equity
- $2.99B
As of Jun 30, 2026 (filed Jun 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 25, 2026 | $0.28 | Oct 9, 2026 |
| Jun 26, 2026 | $0.28 | Jul 10, 2026 |
| May 4, 2026 | $0.70 | May 20, 2026 |
| Mar 31, 2026 | $0.27 | Apr 10, 2026 |
| Dec 26, 2025 | $0.27 | Jan 7, 2026 |
| Sep 29, 2025 | $0.27 | Oct 10, 2025 |
| Jun 27, 2025 | $0.27 | Jul 11, 2025 |
| Mar 31, 2025 | $0.25 | Apr 11, 2025 |
Short interest
- Shares sold short
- 2,652,457
- Days to cover
- 5.99
- Change vs previous report
- -5.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 23, 2012
- 103-for-100
- Aug 24, 2005
- 103-for-100
- Jun 18, 2004
- 3-for-2
- Feb 26, 2002
- 2-for-1