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TowneBank
TOWN.US
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in Virginia and North Carolina. 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.
642.38 B
TOWN.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Regional BanksIndustry
Industry Ranking122/306
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE7.47%B
    • Profit Margin22.13%A
    • Gross Margin0.00%E
  • Growth ScoreB
    • Revenue YoY14.10%B
    • Net Profit YoY13.65%C
    • Total Assets YoY14.51%A
    • Net Assets YoY11.20%B
  • Cash ScoreB
    • Cash Flow Margin451.81%C
    • OCF YoY14.10%B
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

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Institutional View & Shareholder

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    News
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    TowneBank Announces Quarterly Cash Dividend

    SUFFOLK, Va., Nov. 26, 2025 ( GLOBE NEWSWIRE ) -- Hampton Roads based TowneBank ( NASDAQ: TOWN ) announced today that its Board of Directors declared its fourth-quarter shareholder cash dividend of $0.27 per common share payable on January 7, 2026, to shareholders of record on December 26, 2025.

    GlobeNewswire·
    US
    TOWN
    +0.59%
    GlobeNewswire·
    US
    TOWN
    +0.59%

    How Investors Are Reacting To TowneBank (TOWN) Surpassing Q2 Revenue Estimates and Advancing Growth Partnerships

    TowneBank reported Q2 revenues of $207.4 million, an 18.6% increase year-over-year, surpassing analyst expectations. The integration of Village Bank and a new partnership with Old Point highlight its growth strategy. Despite revenue growth, concerns remain over high valuations and net income performance. TowneBank's shares are potentially undervalued by 47%, with fair value estimates ranging widely. The focus is on strategic partnerships and consistent execution to drive growth, though risks include valuation concerns and the timing of partnership benefits.

    Simplywall·
    US
    TOWN
    +0.59%
    Simplywall·
    US
    TOWN
    +0.59%

    TowneBank reports total assets of $19.7 billion for Q3 2025

    TowneBank reported total assets of $19.7 billion, total loans of $13.4 billion, and total deposits of $16.5 billion for Q3 2025. The core return on average assets (ROAA) was 1.4%, and the core return on tangible common equity (ROTCE) was 16.0%. The net interest margin stood at 3.5%, with non-interest-bearing deposits at 31% of total deposits. The bank holds the largest deposit market share in Hampton Roads and achieved a 10-year total shareholder return of 143%.

    Reuters·
    US
    TOWN
    +0.59%
    Reuters·
    US
    TOWN
    +0.59%

    TowneBank reports results for the quarter ended September 30 - Earnings Summary

    TowneBank reported adjusted earnings of 83 cents per share for the quarter ended September 30, exceeding last year's 58 cents and analysts' expectations of 78 cents. Revenue increased by 23.6% to $215.67 million, though it fell short of the $219.17 million forecast. The bank's reported EPS was 51 cents, with a net income of $38.98 million. Despite a 2.7% drop in shares this quarter, analysts maintain a "buy" rating, with a 12-month price target of $41.00, 18.2% above the last closing price of $33.55.

    Reuters·
    US
    TOWN
    +0.59%
    Reuters·
    US
    TOWN
    +0.59%

    TowneBank reported third quarter 2025 earnings of $38.98 million, with $215.67 million in total revenue, total deposits of $16.53 billion, and loans held for investment of $13.38 billion. Net interest income was $146.95 million. Noninterest income was $68.71 million, and total noninterest expense was $153.74 million. The bank's return on average assets was 0.83%, and the return on average equity was 6.78%. TowneBank's total assets were $19.68 billion. Common equity tier 1 capital ratio was reported at 11.18%. Noninterest-bearing deposits increased 20.43% to $5.14 billion. Total revenues increased by nearly 24% year-over-year.

    TowneBank reported Q3 2025 earnings of $38.98 million, down from $42.95 million in Q3 2024. Total revenue reached $215.67 million, a 23.58% increase year-over-year. Total deposits rose to $16.53 billion, and loans held for investment were $13.38 billion. The bank's return on average assets was 0.83%, and return on average equity was 6.78%. The common equity tier 1 capital ratio stood at 11.18%. TowneBank completed the acquisition of Old Point Financial Corp, enhancing its financial position.

    Unusual Whales·
    US
    TOWN
    +0.59%
    Unusual Whales·
    US
    TOWN
    +0.59%
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