Towne Bank (TOWN)
Market Price (10/6/2026): $35.78 | Market Cap: $3.2 BilSector: Financials | Industry: Regional Banks
Towne Bank (TOWN)
Market Price (10/6/2026): $35.78Market Cap: $3.2 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.5%, Dividend Yield is 2.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.7% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 14% Low stock price volatilityVol 12M is 21% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology. | Weak multi-year price returns2Y Excs Rtn is -17%, 3Y Excs Rtn is -4.2% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.5%, Dividend Yield is 2.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.7% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 25% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 14% |
| Low stock price volatilityVol 12M is 21% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology. |
| Weak multi-year price returns2Y Excs Rtn is -17%, 3Y Excs Rtn is -4.2% |
Qualitative Assessment
AI Analysis | Feedback
Updated on 10/1/2026
Towne Bank (TOWN) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. Fiscal Q2 2026 Earnings and Market Reaction: Towne Bank's stock movement was influenced by its fiscal Q2 2026 earnings, reported on July 23, 2026, which showed earnings per share (EPS) of $0.78, narrowly missing the consensus estimate of $0.79 per share. However, the company's revenue of $245.72 million exceeded the consensus estimate of $245.33 million. Despite the slight EPS miss, the stock price experienced a 2.5% increase between the earnings announcement on July 22, 2026, and September 11, 2026, outperforming the S&P 500 ETF Trust (SPY) which rose 2.3% during the same period, indicating a balanced market response that prevented a significant downturn or surge.
2. Consistent Dividend Payouts: The declaration of a steady fiscal Q3 2026 cash dividend of $0.28 per common share on August 26, 2026, acted as a stabilizing factor. This consistent commitment to shareholder returns signaled financial health and predictability, reinforcing investor confidence and contributing to the stock's ability to remain largely at its current level.
Show more
Towne Bank (TOWN) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. Fiscal Q2 2026 Earnings and Market Reaction: Towne Bank's stock movement was influenced by its fiscal Q2 2026 earnings, reported on July 23, 2026, which showed earnings per share (EPS) of $0.78, narrowly missing the consensus estimate of $0.79 per share. However, the company's revenue of $245.72 million exceeded the consensus estimate of $245.33 million. Despite the slight EPS miss, the stock price experienced a 2.5% increase between the earnings announcement on July 22, 2026, and September 11, 2026, outperforming the S&P 500 ETF Trust (SPY) which rose 2.3% during the same period, indicating a balanced market response that prevented a significant downturn or surge.
2. Consistent Dividend Payouts: The declaration of a steady fiscal Q3 2026 cash dividend of $0.28 per common share on August 26, 2026, acted as a stabilizing factor. This consistent commitment to shareholder returns signaled financial health and predictability, reinforcing investor confidence and contributing to the stock's ability to remain largely at its current level.
Show more
Updated on 10/1/2026
Towne Bank (TOWN) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. Fiscal Q2 2026 Earnings and Market Reaction: Towne Bank's stock movement was influenced by its fiscal Q2 2026 earnings, reported on July 23, 2026, which showed earnings per share (EPS) of $0.78, narrowly missing the consensus estimate of $0.79 per share. However, the company's revenue of $245.72 million exceeded the consensus estimate of $245.33 million. Despite the slight EPS miss, the stock price experienced a 2.5% increase between the earnings announcement on July 22, 2026, and September 11, 2026, outperforming the S&P 500 ETF Trust (SPY) which rose 2.3% during the same period, indicating a balanced market response that prevented a significant downturn or surge.
2. Consistent Dividend Payouts: The declaration of a steady fiscal Q3 2026 cash dividend of $0.28 per common share on August 26, 2026, acted as a stabilizing factor. This consistent commitment to shareholder returns signaled financial health and predictability, reinforcing investor confidence and contributing to the stock's ability to remain largely at its current level.
3. Analyst Consensus and Price Targets: A consensus "Moderate Buy" rating from Wall Street analysts, based on reports from four analysts, established a perceived valuation range for Towne Bank's stock. The average twelve-month price target of approximately $39.50, representing a forecasted upside of 10.80% from the stock's price of $35.65 as of September 25, 2026, likely provided both a floor and a ceiling for the stock, keeping its movement within a relatively tight range.
4. Relative Resilience Amidst Regional Banking Sector Headwinds: Despite broader macroeconomic challenges impacting the regional banking sector, such as rising Treasury yields (with the 10-year yield near 5.1%) and the failure of six regional U.S. banks in 2026 due to pressures from higher interest rates and commercial real estate concerns, Towne Bank demonstrated relative stability. This resilience suggests that company-specific strengths or effective risk management strategies helped mitigate significant negative impacts, contributing to its stable stock performance while some peers faced declines.
Show less
Towne Bank (TOWN) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. Fiscal Q2 2026 Earnings and Market Reaction: Towne Bank's stock movement was influenced by its fiscal Q2 2026 earnings, reported on July 23, 2026, which showed earnings per share (EPS) of $0.78, narrowly missing the consensus estimate of $0.79 per share. However, the company's revenue of $245.72 million exceeded the consensus estimate of $245.33 million. Despite the slight EPS miss, the stock price experienced a 2.5% increase between the earnings announcement on July 22, 2026, and September 11, 2026, outperforming the S&P 500 ETF Trust (SPY) which rose 2.3% during the same period, indicating a balanced market response that prevented a significant downturn or surge.
2. Consistent Dividend Payouts: The declaration of a steady fiscal Q3 2026 cash dividend of $0.28 per common share on August 26, 2026, acted as a stabilizing factor. This consistent commitment to shareholder returns signaled financial health and predictability, reinforcing investor confidence and contributing to the stock's ability to remain largely at its current level.
3. Analyst Consensus and Price Targets: A consensus "Moderate Buy" rating from Wall Street analysts, based on reports from four analysts, established a perceived valuation range for Towne Bank's stock. The average twelve-month price target of approximately $39.50, representing a forecasted upside of 10.80% from the stock's price of $35.65 as of September 25, 2026, likely provided both a floor and a ceiling for the stock, keeping its movement within a relatively tight range.
4. Relative Resilience Amidst Regional Banking Sector Headwinds: Despite broader macroeconomic challenges impacting the regional banking sector, such as rising Treasury yields (with the 10-year yield near 5.1%) and the failure of six regional U.S. banks in 2026 due to pressures from higher interest rates and commercial real estate concerns, Towne Bank demonstrated relative stability. This resilience suggests that company-specific strengths or effective risk management strategies helped mitigate significant negative impacts, contributing to its stable stock performance while some peers faced declines.
Show less
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Stock Movement Drivers
Fundamental Drivers
The -0.3% change in TOWN stock from 6/30/2026 to 10/5/2026 was primarily driven by a -0.3% change in the company's P/E Multiple.| (LTM values as of) | 6302026 | 10052026 | Change |
|---|---|---|---|
| Stock Price ($) | 35.96 | 35.84 | -0.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 888 | 888 | 0.0% |
| Net Income Margin (%) | 18.0% | 18.0% | 0.0% |
| P/E Multiple | 20.3 | 20.3 | -0.3% |
| Shares Outstanding (Mil) | 90 | 90 | 0.0% |
| Cumulative Contribution | -0.3% |
Market Drivers
6/30/2026 to 10/5/2026| Return | Correlation | |
|---|---|---|
| TOWN | -0.3% | |
| Market (SPY) | 3.8% | 9.5% |
| Sector (XLF) | 0.5% | 53.4% |
Fundamental Drivers
The 10.3% change in TOWN stock from 3/31/2026 to 10/5/2026 was primarily driven by a 28.6% change in the company's P/E Multiple.| (LTM values as of) | 3312026 | 10052026 | Change |
|---|---|---|---|
| Stock Price ($) | 32.50 | 35.84 | 10.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 825 | 888 | 7.7% |
| Net Income Margin (%) | 19.7% | 18.0% | -8.7% |
| P/E Multiple | 15.8 | 20.3 | 28.6% |
| Shares Outstanding (Mil) | 79 | 90 | -12.8% |
| Cumulative Contribution | 10.3% |
Market Drivers
3/31/2026 to 10/5/2026| Return | Correlation | |
|---|---|---|
| TOWN | 10.3% | |
| Market (SPY) | 19.4% | 16.2% |
| Sector (XLF) | 9.5% | 53.0% |
Fundamental Drivers
The 9.1% change in TOWN stock from 9/30/2025 to 10/5/2026 was primarily driven by a 36.5% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 10052026 | Change |
|---|---|---|---|
| Stock Price ($) | 32.84 | 35.84 | 9.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 741 | 888 | 19.9% |
| Net Income Margin (%) | 22.5% | 18.0% | -19.8% |
| P/E Multiple | 14.9 | 20.3 | 36.5% |
| Shares Outstanding (Mil) | 75 | 90 | -16.8% |
| Cumulative Contribution | 9.1% |
Market Drivers
9/30/2025 to 10/5/2026| Return | Correlation | |
|---|---|---|
| TOWN | 9.1% | |
| Market (SPY) | 17.3% | 24.5% |
| Sector (XLF) | 1.2% | 56.8% |
Fundamental Drivers
The 75.5% change in TOWN stock from 9/30/2023 to 10/5/2026 was primarily driven by a 135.0% change in the company's P/E Multiple.| (LTM values as of) | 9302023 | 10052026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.42 | 35.84 | 75.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 720 | 888 | 23.4% |
| Net Income Margin (%) | 24.6% | 18.0% | -26.7% |
| P/E Multiple | 8.6 | 20.3 | 135.0% |
| Shares Outstanding (Mil) | 75 | 90 | -17.4% |
| Cumulative Contribution | 75.5% |
Market Drivers
9/30/2023 to 10/5/2026| Return | Correlation | |
|---|---|---|
| TOWN | 75.5% | |
| Market (SPY) | 87.5% | 42.5% |
| Sector (XLF) | 69.6% | 63.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| TOWN Return | 38% | 1% | 0% | 18% | 1% | 13% | 88% |
| Peers Return | 29% | 8% | 17% | 7% | 2% | 26% | 124% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 106% |
Monthly Win Rates [3] | |||||||
| TOWN Win Rate | 67% | 25% | 42% | 50% | 58% | 50% | |
| Peers Win Rate | 58% | 60% | 48% | 48% | 56% | 66% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| TOWN Max Drawdown | -14% | -21% | -31% | -13% | -18% | -14% | |
| Peers Max Drawdown | -22% | -21% | -41% | -23% | -25% | -15% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CLBK, GCBC, MBBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 10/5/2026 (YTD)
How Low Can It Go
| Event | TOWN | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -18.3% | -18.8% |
| % Gain to Breakeven | 22.4% | 23.1% |
| Time to Breakeven | 127 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -13.6% | -9.5% |
| % Gain to Breakeven | 15.7% | 10.5% |
| Time to Breakeven | 10 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.6% | -6.7% |
| % Gain to Breakeven | 40.1% | 7.1% |
| Time to Breakeven | 216 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -15.4% | -24.5% |
| % Gain to Breakeven | 18.2% | 32.4% |
| Time to Breakeven | 106 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -43.1% | -33.7% |
| % Gain to Breakeven | 75.6% | 50.9% |
| Time to Breakeven | 322 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -24.4% | -19.2% |
| % Gain to Breakeven | 32.2% | 23.8% |
| Time to Breakeven | 791 days | 105 days |
In The Past
Towne Bank's stock fell -18.3% during the 2025 US Tariff Shock. Such a loss loss requires a 22.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
| Event | TOWN | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.6% | -6.7% |
| % Gain to Breakeven | 40.1% | 7.1% |
| Time to Breakeven | 216 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -43.1% | -33.7% |
| % Gain to Breakeven | 75.6% | 50.9% |
| Time to Breakeven | 322 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -24.4% | -19.2% |
| % Gain to Breakeven | 32.2% | 23.8% |
| Time to Breakeven | 791 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -25.8% | -17.9% |
| % Gain to Breakeven | 34.8% | 21.8% |
| Time to Breakeven | 167 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -22.9% | -53.4% |
| % Gain to Breakeven | 29.6% | 114.4% |
| Time to Breakeven | 3 days | 1085 days |
In The Past
Towne Bank's stock fell -18.3% during the 2025 US Tariff Shock. Such a loss loss requires a 22.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Peer Outperformance in Regional Banks
TOWN has trailed 63% of its 263 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that TOWN has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
18%
of 287 industry peers · 9.6% return
3Y
38%
of 275 industry peers · 77.3% return
5Y
37%
of 263 industry peers · 35.5% return
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Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is TOWN's own industry. Use this to see which corners of the sector have carried the returns.
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 15.3% | 63.9% | 114.2% | SPNT 161% · RGA 136% · RNR 133% |
| Investment Banking & Brokerage | 13 | -2.7% | 102.8% | 103.3% | IBKR 428% · SNEX 235% · HOOD 171% |
| Diversified Banks | 12 | 27.7% | 128.4% | 95.7% | CM 143% · RY 130% · JPM 120% |
| Life & Health Insurance | 20 | 7.1% | 50.0% | 89.4% | JXN 528% · UNM 292% · FG 193% |
| Multi-Sector Holdings | 4 | 3.6% | 52.8% | 74.5% | JONE 361% · BRK-B 80% · VOYA 69% |
| Property & Casualty Insurance | 42 | 3.9% | 71.6% | 61.2% | ASIC 2572900% · HRTG 399% · UVE 308% |
| Regional Banks ← | 264 | 25.9% | 89.3% | 52.1% | GCBC 310% · ESQ 307% · PBAM 249% |
| Multi-line Insurance | 9 | 4.3% | 68.4% | 50.9% | GNW 139% · L 90% · AIZ 80% |
| Financial Exchanges & Data | 15 | -0.3% | 15.8% | 31.0% | VIRT 189% · CBOE 143% · CME 68% |
| Consumer Finance | 30 | 0.4% | 86.5% | 22.0% | ENVA 400% · EZPW 303% · FCFS 162% |
| Diversified Financial Services | 4 | -8.1% | 21.6% | 20.9% | FRHC 173% · EQH 100% · TMS -58% |
| Asset Management & Custody Banks | 83 | -10.1% | 18.2% | 11.4% | WT 361% · VCTR 288% · AAMI 267% |
| Insurance Brokers | 16 | -24.5% | -9.7% | 11.0% | LIFE 324% · ARX 88% · CRD-A 66% |
| Commercial & Residential Mortgage Finance | 13 | -58.4% | 16.7% | -0.9% | FNMA 473% · FMCC 449% · ACT 174% |
| Specialized Finance | 3 | 9.4% | 35.5% | -13.2% | EFC 15% · CACC -13% · HASI -14% |
| Mortgage REITs | 33 | -14.5% | 10.1% | -26.9% | NREF 52% · RITM 33% · DX 19% |
| Transaction & Payment Processing Services | 17 | -2.1% | -5.5% | -42.4% | V 70% · MA 67% · CPAY 54% |
| Diversified Capital Markets | 20 | -37.4% | 16.1% | -61.2% | OPY 180% · LPLA 109% · GOLD 55% |
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| TOWN Dip Buy Analysis | 07/10/2025 | |
| Time To Buy Towne Bank Stock? | 02/28/2025 | |
| Towne Bank (TOWN) Operating Cash Flow Comparison | 02/17/2025 | |
| Towne Bank (TOWN) Net Income Comparison | 02/16/2025 | |
| Fundamental Metrics: ... | 06/19/2024 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 23.70 |
| Mkt Cap | 0.7 |
| Rev LTM | 277 |
| Op Inc LTM | - |
| FCF LTM | 45 |
| FCF 3Y Avg | 27 |
| CFO LTM | 50 |
| CFO 3Y Avg | 32 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 23.4% |
| Rev Chg 3Y Avg | 8.4% |
| Rev Chg Q | 17.0% |
| QoQ Delta Rev Chg LTM | 4.0% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 24.3% |
| CFO/Rev 3Y Avg | 23.2% |
| FCF/Rev LTM | 19.6% |
| FCF/Rev 3Y Avg | 17.9% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2019 | 2018 |
|---|---|---|---|---|---|
| Banking | 619 | 489 | 500 | 386 | 364 |
| Insurance | 103 | 100 | 91 | 65 | 55 |
| Resort Vacation Management | 58 | ||||
| Mortgage | 56 | ||||
| Realty | 104 | 104 | 113 | 114 | |
| Total | 836 | 694 | 694 | 564 | 533 |
| $ Mil | 2014 | 2013 | 2012 |
|---|---|---|---|
| Banking | 56 | 55 | 45 |
| Insurance | 12 | 8 | 6 |
| Realty | 9 | 11 | 14 |
| Total | 77 | 74 | 65 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking | 137 | 135 | 135 | 177 | 170 |
| Insurance | 22 | 22 | 19 | 14 | 10 |
| Resort Vacation Management | 10 | ||||
| Mortgage | 0 | ||||
| Realty | 5 | -0 | -2 | 36 | |
| Total | 170 | 162 | 154 | 189 | 215 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banking | 18,430 | 16,046 | 15,767 | 14,905 | 15,228 |
| Insurance | 849 | 727 | 615 | 500 | 442 |
| Mortgage | 305 | 342 | |||
| Resort Vacation Management | 103 | 133 | |||
| Realty | 453 | 441 | 692 | ||
| Total | 19,687 | 17,247 | 16,835 | 15,845 | 16,361 |
Price Behavior
Price Behavior
| Market Price | $35.84 | |
| Market Cap ($ Bil) | 3.2 | |
| Distance from 52W High | -6.8% | |
| 50 Days | 200 Days | |
| DMA Price | $37.00 | $34.67 |
| DMA Trend | up | up |
| Distance from DMA | -3.1% | 3.4% |
| 3M | 1YR | |
| Volatility | 16.0% | 21.0% |
| Downside Capture | 62.94 | 45.20 |
| Upside Capture | 50.00 | 47.55 |
| Correlation (SPY) | 10.7% | 24.8% |
TOWN Betas & Captures as of 9/30/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.27 | 0.31 | 0.14 | 0.24 | 0.39 | 0.72 |
| Up Beta | -2.30 | 0.16 | -0.82 | -0.03 | 0.41 | 0.75 |
| Down Beta | 0.75 | -0.09 | -0.17 | -0.30 | 0.23 | 0.62 |
| Up Capture | 31% | 20% | 45% | 45% | 35% | 50% |
| Bmk +ve Days | 6 | 16 | 27 | 66 | 132 | 424 |
| Stock +ve Days | 8 | 18 | 28 | 59 | 123 | 371 |
| Down Capture | 91% | 81% | 60% | 51% | 53% | 90% |
| Bmk -ve Days | 16 | 26 | 37 | 60 | 120 | 328 |
| Stock -ve Days | 14 | 24 | 36 | 67 | 128 | 375 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TOWN | |
|---|---|---|---|---|
| TOWN | 10.1% | 20.9% | 0.36 | - |
| Sector ETF (XLF) | 2.2% | 14.8% | -0.07 | 56.7% |
| Equity (SPY) | 16.8% | 13.0% | 0.92 | 24.6% |
| Gold (GLD) | 7.0% | 29.6% | 0.23 | 3.3% |
| Commodities (DBC) | 45.9% | 20.9% | 1.71 | -28.1% |
| Real Estate (VNQ) | 1.6% | 13.6% | -0.14 | 41.6% |
| Bitcoin (BTCUSD) | -30.1% | 44.3% | -0.68 | 8.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TOWN | |
|---|---|---|---|---|
| TOWN | 6.7% | 26.2% | 0.23 | - |
| Sector ETF (XLF) | 8.6% | 18.3% | 0.33 | 64.8% |
| Equity (SPY) | 13.3% | 17.2% | 0.59 | 47.5% |
| Gold (GLD) | 18.3% | 18.9% | 0.78 | -0.0% |
| Commodities (DBC) | 10.0% | 19.6% | 0.39 | 3.8% |
| Real Estate (VNQ) | 0.9% | 18.8% | -0.06 | 49.8% |
| Bitcoin (BTCUSD) | 14.9% | 52.2% | 0.45 | 16.9% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TOWN | |
|---|---|---|---|---|
| TOWN | 7.6% | 30.4% | 0.30 | - |
| Sector ETF (XLF) | 12.8% | 22.1% | 0.53 | 73.9% |
| Equity (SPY) | 15.4% | 17.9% | 0.73 | 55.2% |
| Gold (GLD) | 11.5% | 16.4% | 0.57 | -4.2% |
| Commodities (DBC) | 8.4% | 18.1% | 0.38 | 15.6% |
| Real Estate (VNQ) | 4.1% | 20.7% | 0.16 | 52.7% |
| Bitcoin (BTCUSD) | 64.0% | 66.2% | 1.04 | 12.9% |
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Earnings Returns History
Updated 6/2/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| SUMMARY STATS | |||
| # Positive | 0 | 0 | 0 |
| # Negative | 0 | 0 | 0 |
| Median Positive | |||
| Median Negative | |||
| Max Positive | |||
| Max Negative | |||
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| SUMMARY STATS | |||
| # Positive | 0 | 0 | 0 |
| # Negative | 0 | 0 | 0 |
| Median Positive | |||
| Median Negative | |||
| Max Positive | |||
| Max Negative | |||
Investor Activity (13F)
Updated Oct 6, 202613F holdings as of Mar 31, 2026 (Q1 2026)
Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
| Active Manager |
|---|
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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Core Cache Last Updated: 10/5/2026