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TowneBank
TOWN
NASDAQ·Financial Services·Banks - Regional·Mkt cap $2.8B
$36.45
▼ -0.65%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$31.91 - $37.86
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 3.6% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Integrated business model combining banking, real estate, and insurance for cross-selling and customer retention
- Strong regional presence across Mid-Atlantic markets with deep community banking relationships
- Diversified revenue streams reducing dependence on single business line or geographic market
- Omnichannel banking capabilities including digital, mobile, and traditional services
Bear Case
2 risks
- Low volatility (beta 0.7).
- Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Stable outlook
Expansion into high-growth markets including Raleigh, Charlotte, Greensboro, and Greenville, North Carolina
Value
Growth premium of 1.0x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+8.2% over 3m
Quality
Excellent
High-growth business (51% revenue growth, 71% gross margin). Profitable with strong growth momentum.
Dividend
Solid
4.88% yield
Smart-money signal
Who's buying TOWN right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 21, 2026
APR 22, 2026
Reported EPS of $0.74 vs $0.74 consensus (0.0% surprise). Revenue of $246.3M vs $254.2M expected (-3.1%).
EPS surprise · last 4Q
1 of 1 beats
Q2 26
0.0%
Next: Apr 21, 2026
Revenue trend · last 8Q
—
—
+12%
+15%
+19%
+24%
+45%
+36%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$175.0M
$174.5M
$175.9M
$192.0M
$277.9M
$287.1M
$255.1M
$260.5M
Margins · last 8Q
Gross
70.1%
Operating
19.3%
Profit
15.7%
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Keefe, Bruyette & Woods · May 6, 2026