TownebankTOWN.US Overview
TOWN Overall Performance
TOWN AI Analysis & Strategy
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TOWN Current Performance
-0.16%
Townebank
-0.12%
Avg of Sector
-0.64%
S&P500
TOWN Key Information
TOWN Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
TOWN Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
TOWN Profile
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.
Price of TOWN
TOWN FAQ
When is TOWN's latest earnings report released?
The most recent financial report for Townebank (TOWN) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating TOWN's short-term business performance and financial health. For the latest updates on TOWN's earnings releases, visit this page regularly.
Where does TOWN fall in the P/E River chart?
According to historical valuation range analysis, Townebank (TOWN)'s current price-to-earnings (P/E) ratio is 16.55, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of TOWN?
According to the latest financial report, Townebank (TOWN) reported an Operating Profit of 69.1M with an Operating Margin of 24.87% this period, representing a growth of 35.07% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is TOWN's revenue growth?
In the latest financial report, Townebank (TOWN) announced revenue of 277.86M, with a Year-Over-Year growth rate of 6.97%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much debt does TOWN have?
As of the end of the reporting period, Townebank (TOWN) had total debt of 294.12M, with a debt ratio of 0.02. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
Is TOWN's EPS continuing to grow?
According to the past four quarterly reports, Townebank (TOWN)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.52. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of TOWN?
Townebank (TOWN)'s Free Cash Flow (FCF) for the period is 110.64M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 292.86% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of TOWN?
The latest valuation data shows Townebank (TOWN) has a Price-To-Earnings (PE) ratio of 16.55 and a Price/Earnings-To-Growth (PEG) ratio of -0.74. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.