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Investment Highlights Market Valuation Price Chart Return vs. Risk About TOWN Interactive Breakdown Better Bets vs. TOWN Latest Trefis Analyses Trade Ideas Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

Towne Bank (TOWN)

Market Price (10/31/2025): $32.67 | Market Cap: $2.5 Bil
Sector: Financials | Industry: Regional Banks

Towne Bank (TOWN)

Market Price (10/31/2025): $32.67
Market Cap: $2.5 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.6%		 Weak multi-year price returns
2Y Excs Rtn is -13%, 3Y Excs Rtn is -57%		 
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -37%		  
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 13%		  
3 Low stock price volatility
Vol 12M is 28%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.6%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -37%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 13%
3 Low stock price volatility
Vol 12M is 28%
4 Weak multi-year price returns
2Y Excs Rtn is -13%, 3Y Excs Rtn is -57%

Market Valuation & Key Metrics

TOWNS&P 500
REVENUE GROWTHFAIR
Rev LTM ($ Bil)0.7
Rev Chg Q18.6%6.5%
Rev Chg LTM11.7%5.4%
Rev Chg 3Y Avg4.6%5.3%
PROFITABILITYGOOD
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.2
Net Inc LTM ($ Bil)0.2
CFO/Rev LTM22.1%20.3%
Net Inc Mgn23.2%12.7%
VALUATIONLOW
P/S3.33.2
P/CFO14.815.3
P/FCF24.320.3
P/E14.223.6

TOWN Stock

   
   
   
   
   
   
   
Factor Drivers of Stock Movement
The 0.7% change in TOWN stock from 5/1/2025 to 10/30/2025 was primarily driven by a 8.3% change in the company's Total Revenues ($ Mil).

501202510302025Change
Stock Price ($)32.4732.690.67%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)692.51749.928.29%
Net Income Margin (%)23.36%23.15%-0.87%
P/E Multiple15.0614.16-5.93%
Shares Outstanding (Mil)75.0175.24-0.31%
Cumulative Contribution0.67%

LTM = Last Twelve Months as of date shown
The 1.7% change in TOWN stock from 10/30/2024 to 10/30/2025 was primarily driven by a 11.7% change in the company's Total Revenues ($ Mil).

1030202410302025Change
Stock Price ($)32.1532.691.68%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)671.45749.9211.69%
Net Income Margin (%)22.52%23.15%2.82%
P/E Multiple15.9314.16-11.08%
Shares Outstanding (Mil)74.9375.24-0.42%
Cumulative Contribution1.68%

LTM = Last Twelve Months as of date shown
The 9.9% change in TOWN stock from 10/31/2022 to 10/30/2025 was primarily driven by a 19.9% change in the company's P/E Multiple.

1031202210302025Change
Stock Price ($)29.7532.699.90%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)661.56749.9213.36%
Net Income Margin (%)27.62%23.15%-16.16%
P/E Multiple11.8114.1619.92%
Shares Outstanding (Mil)72.5675.24-3.70%
Cumulative Contribution9.75%

LTM = Last Twelve Months as of date shown

Return vs. Risk

Price Returns Compared

 202020212022202320242025Total [1]
Returns
TOWN Return-12%38%1%0%18%-2%46%
Peers Return-2%12%-18%18%1%14%22%
S&P 500 Return16%27%-19%24%23%16%110%

Monthly Win Rates [3]
TOWN Win Rate50%67%25%42%50%56% 
Peers Win Rate22%25%28%35%27%48% 
S&P 500 Win Rate58%75%42%67%75%67% 

Max Drawdowns [4]
TOWN Max Drawdown-44%-2%-14%-30%-13%-10% 
Peers Max Drawdown-19%-2%-23%-16%-10%-7% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 

[1] Cumulative total returns since the beginning of 2020
[2] Peers: NEWT, ATLO, AVBC, LSBK, NU.
[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] 2025 data is for the year up to 10/30/2025 (YTD)

How Low Can It Go

Unique KeyEventTOWNS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-37.8%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven60.6%34.1%
2022 Inflation ShockTime to BreakevenTime to Breakeven477 days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-44.1%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven79.0%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven336 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-33.7%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven50.8%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven2123 days120 days
2008 Global Financial Crisis2008 Global Financial Crisis  
2008 Global Financial Crisis% Loss% Loss-58.3%-56.8%
2008 Global Financial Crisis% Gain to Breakeven% Gain to Breakeven139.9%131.3%
2008 Global Financial CrisisTime to BreakevenTime to Breakeven2563 days1480 days

Compare to NEWT, ATLO, AVBC, LSBK, NU


In The Past

Towne Bank's stock fell -37.8% during the 2022 Inflation Shock from a high on 1/13/2022. A -37.8% loss requires a 60.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Towne Bank (TOWN)

Better Bets than Towne Bank (TOWN)

 TOWNBetter Performance than TOWN
MetricValueIndustry (Regional Banks)
Rev Chg LTM11.7%NU (23.7%), SSB (28.6%), WAL (12.8%), UMBF (39.4%), ONB (24.9%)
Rev Chg 3Y Avg4.6%NU (70.1%), DB (6.0%), MTB (11.4%), FCNCA (53.3%), HBAN (4.9%)
CFO/Rev LTM22.1%NU (44.0%), MTB (43.5%), FITB (50.5%), FCNCA (32.5%), HBAN (33.3%)
FCF/Rev LTM13.5%NU (40.8%), MTB (41.7%), FITB (43.7%), FCNCA (16.3%), HBAN (31.1%)
Total Yield10.1%MTB (12.9%), FCNCA (10.2%), HBAN (14.0%), CFG (10.7%), RF (13.7%)
 TOWNBetter Performance than TOWN
MetricValueAll Other Sectors
Rev Chg LTM11.7%NVDA (71.6%), MSFT (15.6%), GOOGL (13.4%), AVGO (28.0%), META (21.3%)
Rev Chg 3Y Avg4.6%NVDA (92.0%), MSFT (13.2%), GOOGL (11.0%), AMZN (11.3%), AVGO (24.0%)
CFO/Rev LTM22.1%NVDA (46.6%), AAPL (26.6%), MSFT (50.0%), GOOGL (39.3%), AVGO (42.4%)
FCF/Rev LTM13.5%NVDA (43.6%), AAPL (23.5%), MSFT (26.6%), GOOGL (19.1%), AVGO (41.6%)
Total Yield10.1%BABA (36.3%), TM (2018.7%), MRK (11.3%), VZ (19.0%), PFE (13.0%)
 Best Bets In Financials Sector
 TOWNDBRG OTF MTG NMIH CACC ENVA FNF ACGL APAM FI
What You Pay           
P/E14.239.713.28.47.512.310.213.98.610.510.6
P/EBIT�64.79.06.45.59.97.88.97.66.15.8
What You Get           
Rev Chg Q18.6%-102.4%1,228.5%-0.7%7.2%8.3%16.3%16.8%22.4%4.4%8.0%
Rev Chg LTM11.7%-84.8%89.0%2.2%10.0%12.5%21.1%7.4%23.5%10.0%6.7%
Rev Chg 3Y Avg4.6%125.8%221.9%1.2%10.1%6.9%23.5%-0.7%29.8%0.2%7.5%
FCF/Rev 3Y Avg19.2%101.2%76.2%62.2%58.8%57.1%54.7%50.8%38.4%29.0%20.7%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

Trade Ideas

Select past ideas related to TOWN. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-15.3%-15.3%-15.3%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		6.0%6.0%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.0%-7.0%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		13.9%13.9%0.0%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-15.3%-15.3%-15.3%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		6.0%6.0%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.0%-7.0%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		13.9%13.9%0.0%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1INBXInhibrx Biosciences176.8%409.8%
2PUMPProPetro71.2%16.2%
3RNAAvidity Biosciences43.5%139.6%
4DYNDyne Therapeutics42.8%-0.0%
5GCIGannett39.3%3.8%
6FORMFormFactor38.3%34.7%
7MBXMBX Biosciences35.1%18.2%
8BBNXBeta Bionics33.8% 
9GHGuardant Health33.3%202.5%
10LUMNLumen Technologies32.7%94.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-75.2%5106.3%
2LRNStride-56.1%-35.8%
3NTLAIntellia Therapeutics-52.6%5.2%
4FMCFMC-48.7%-66.6%
5FIFiserv-47.4%-68.3%
6VRNSVaronis Systems-43.8%-21.2%
7THRYThryv-33.4%-44.8%
8NFENew Fortress Energy-30.5%-91.9%
9AKBAAkebia Therapeutics-29.5%10.5%
10UAMYUnited States Antimony-28.9%371.2%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1PRAXPraxis Precision Medicines279.1%161.2%
2INBXInhibrx Biosciences131.0%409.8%
3PUMPProPetro99.6%16.2%
4DYNDyne Therapeutics88.4%-0.0%
5VICRVicor85.4%89.2%
6CELCCelcuity74.6%503.2%
7GLUEMonte Rosa Therapeutics73.5%87.5%
8NVTSNavitas Semiconductor72.1%251.8%
9LUMNLumen Technologies70.3%94.7%
10BALYBallys63.4%4.1%

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1PMIPicard Medical-62.9%5106.3%
2LRNStride-53.8%-35.8%
3FMCFMC-51.0%-66.6%
4FIFiserv-48.3%-68.3%
5NFENew Fortress Energy-43.6%-91.9%
6VGVenture Global-41.7% 
7OGNOrganon-40.2%-55.0%
8VRNSVaronis Systems-39.5%-21.2%
9ITGRInteger-38.5%-52.2%
10LENZLENZ Therapeutics-37.9%5.5%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1INBXInhibrx Biosciences176.8%409.8%
2PUMPProPetro71.2%16.2%
3RNAAvidity Biosciences43.5%139.6%
4DYNDyne Therapeutics42.8%-0.0%
5GCIGannett39.3%3.8%
6FORMFormFactor38.3%34.7%
7MBXMBX Biosciences35.1%18.2%
8BBNXBeta Bionics33.8% 
9GHGuardant Health33.3%202.5%
10LUMNLumen Technologies32.7%94.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-75.2%5106.3%
2LRNStride-56.1%-35.8%
3NTLAIntellia Therapeutics-52.6%5.2%
4FMCFMC-48.7%-66.6%
5FIFiserv-47.4%-68.3%
6VRNSVaronis Systems-43.8%-21.2%
7THRYThryv-33.4%-44.8%
8NFENew Fortress Energy-30.5%-91.9%
9AKBAAkebia Therapeutics-29.5%10.5%
10UAMYUnited States Antimony-28.9%371.2%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Towne Bank

Financials

TOWNNEWTATLOAVBCLSBKNUMedian
NameTowne Ba.NewtekOneAmes Nat.Avidia B.Lake Sho.Nu  
Mkt Price32.6910.2120.8414.7813.8616.0615.42
Mkt Cap2.50.30.2--77.51.4
Rev LTM7502576090268,967173
Op Inc LTM-------
FCF LTM101-37820-843,65712
FCF 3Y Avg136-19416-52,31716
CFO LTM166-37820-443,94112
CFO 3Y Avg185-19318-52,50618

Growth & Margins

TOWNNEWTATLOAVBCLSBKNUMedian
NameTowne Ba.NewtekOneAmes Nat.Avidia B.Lake Sho.Nu  
Rev Chg LTM11.7%24.3%13.1%-2.1%23.7%13.1%
Rev Chg 3Y Avg4.6%28.3%-2.3%-0.0%70.1%4.6%
Rev Chg Q18.6%18.6%19.4%-16.5%20.4%18.6%
QoQ Delta Rev Chg LTM4.5%4.2%4.6%-4.0%5.0%4.5%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM22.1%-147.3%33.7%-4.2%17.4%44.0%19.8%
CFO/Rev 3Y Avg26.1%-97.4%31.7%-19.2%37.8%26.1%
FCF/Rev LTM13.5%-147.4%33.0%-8.3%15.3%40.8%14.4%
FCF/Rev 3Y Avg19.2%-97.5%27.6%-17.8%34.9%19.2%

Valuation

TOWNNEWTATLOAVBCLSBKNUMedian
NameTowne Ba.NewtekOneAmes Nat.Avidia B.Lake Sho.Nu  
Mkt Cap2.50.30.2--77.51.4
P/S3.31.03.1--8.63.2
P/EBIT-------
P/E14.24.813.6--33.713.9
P/CFO14.8-0.79.2--19.712.0
Total Yield10.1%20.8%11.6%--3.0%10.8%
Dividend Yield3.1%0.0%4.2%--0.0%1.5%
FCF Yield 3Y Avg6.7%-62.0%9.6%--4.3%5.5%
D/E0.12.60.2--0.00.1
Net D/E-0.41.8-3.9---0.3-0.4

Returns

TOWNNEWTATLOAVBCLSBKNUMedian
NameTowne Ba.NewtekOneAmes Nat.Avidia B.Lake Sho.Nu  
1M Rtn-5.4%-9.3%3.1%-1.1%6.6%0.3%-0.4%
3M Rtn-6.0%-9.2%16.6%-12.6%31.4%12.6%
6M Rtn0.7%0.2%20.7%--30.1%10.7%
12M Rtn1.7%-18.2%27.0%--2.1%1.9%
3Y Rtn9.9%-22.3%8.2%--221.2%9.0%
1M Excs Rtn-6.1%-10.3%2.0%-2.1%4.6%4.1%-0.1%
3M Excs Rtn-13.9%-16.6%7.5%-8.4%4.6%23.9%-1.9%
6M Excs Rtn-21.1%-21.5%-1.0%--8.4%-11.1%
12M Excs Rtn-15.4%-36.7%9.3%---13.4%-14.4%
3Y Excs Rtn-56.6%-99.2%-68.6%--173.1%-62.6%

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date8/6/20255/7/20252/28/202511/6/20248/5/20245/8/20242/28/202411/3/20238/4/20235/5/20232/24/202311/4/2022
Key Financials Quarterly            
Total Revenue207192176175175167157173182184175179
Net Income395141434335294542384750
EPS0.520.670.550.570.570.460.390.600.560.520.640.69
Key Financials TTM            
Total Revenue TTM750717693673671678695713720705686671
Net Income TTM174178162149151150154172177182189182
Growth Rates Quarterly            
Total Revenue Growth18.6%14.9%12.4%1.0%-3.6%-9.3%-10.4%-3.6%8.7%11.3%9.8%5.4%
Net Income Growth-9.4%45.9%43.3%-4.3%2.7%-9.5%-38.3%-10.6%-10.4%-15.9%16.2%-0.5%
Margins Quarterly            
Net Income Margin18.7%26.3%23.5%24.6%24.5%20.8%18.4%26.0%23.0%20.8%26.7%28.0%
Cash & Debt            
Total Cash1,1781,3331,4023,6593,5523,2073,2583,0773,5403,2162,9943,329
Total Debt2732632632602602604603601,010760277277
Net Debt / (Cash)-905-1,070-1,139-3,399-3,292-2,947-2,798-2,717-2,530-2,456-2,717-3,052
Cash Flows Quarterly            
FCF from Operations-3112298-2425384310434-217886
Cash Flows TTM            
FCF from Operations TTM16622213883211221161196178234416449
Returns to Shareholders Quarterly            
Dividends191919191919191917171717
Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
Return on Invested Capital (ROIC) Quarterly            
ROIC58.5%223.1%----------
Return on Invested Capital (ROIC) TTM            
ROIC TTM65.1%195.7%----------

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Banking500495   
Realty104117   
Insurance9174   
Total694687   


Net Income by Segment
$ Mil20242023202220212020
Banking13517717091120
Insurance191410159
Realty-0-2364010
Total154189215146139


Assets by Segment
$ Mil20242023202220212020
Banking15,767 15,22813,43110,954
Insurance615 442381320
Realty453 692814674
Total16,835 16,36114,62611,948


Price Behavior

TOWN Betas & Captures as of 9/30/2025

 1M2M3M6M1Y3Y
Beta0.811.551.590.690.790.86
Up Beta2.972.832.320.530.690.88
Down Beta0.050.701.140.680.660.72
Up Capture-19%98%116%76%93%64%
Bmk +ve Days13233574144420
Stock +ve Days8193062119364
Down Capture151%169%175%108%102%99%
Bmk -ve Days8192952107330
Stock -ve Days13233463130380

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date10152025
Short Interest: Shares Quantity1,934,171
Short Interest: % Change Since 93020256.6%
Average Daily Volume285,709
Days-to-Cover Short Interest6.77
Basic Shares Quantity75,240,678
Short % of Basic Shares2.6%

SEC Filings

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Report Date

Industry Resources

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