T

    Towne Bank (TOWN)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $37.04
    -0.39 (-1.04%)

    Market Cap: $3.46B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    70%(28/40)
    Avg Surprise
    +6.64%
    Streak
    1 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.82
    Range$0.79 - $0.84
    4 analysts
    EPS Revisions
    1
    0
    7d
    1
    2
    30d
    EPS Estimate Drift
    90d ago$0.82+0.3%
    60d ago$0.82+0.3%
    30d ago$0.81-0.9%
    7d ago$0.82+0.0%
    Current$0.82
    Revenue Consensus
    $252M
    Range$248M - $256M
    3 analysts
    Dec 31, 2026
    EPS Consensus$0.77
    Range$0.71 - $0.83
    4 analysts
    Revenue Consensus
    $248M
    Range$185M - $370M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.77---
    Sep 26EST
    		-$0.82---
    Jun 26
    		$0.78$0.76+2.63%Beat-3.7%
    Mar 26
    		$0.74$0.76-2.63%Miss+8.8%
    Dec 25
    		$0.70$0.71-1.41%Miss+27.3%
    Sep 25
    		$0.83$0.76+9.21%Beat+43.1%
    Jun 25
    		$0.81$0.65+24.62%Beat+42.1%
    Mar 25
    		$0.68$0.61+11.48%Beat+41.7%
    Dec 24
    		$0.55$0.48+14.58%Beat+31.0%
    Sep 24
    		$0.58$0.56+3.57%Beat-3.3%
    Jun 24
    		$0.57$0.48+18.75%Beat+9.6%
    Mar 24
    		$0.48$0.48+0.00%Beat-22.6%
    Dec 23
    		$0.42$0.47-10.64%Miss-35.4%
    Sep 23
    		$0.60$0.49+22.45%Beat-14.3%
    Jun 23
    		$0.52$0.57-8.77%Miss-18.8%
    Mar 23
    		$0.62$0.67-7.46%Miss-1.6%
    Dec 22
    		$0.65$0.71-8.45%Miss+18.2%
    Sep 22
    		$0.70$0.67+4.48%Beat+1.4%
    Jun 22
    		$0.64$0.61+4.92%Beat-16.9%
    Mar 22
    		$0.63$0.57+10.53%Beat-33.0%
    Dec 21
    		$0.55$0.59-6.78%Miss-20.3%
    Sep 21
    		$0.69$0.65+6.15%Beat+50.0%
    Jun 21
    		$0.77$0.66+16.67%Beat+75.0%
    Mar 21
    		$0.94$0.60+56.67%Beat+161.1%
    Dec 20
    		$0.69$0.52+32.69%Beat+40.8%
    Sep 20
    		$0.46$0.46+0.00%Beat-11.5%
    Jun 20
    		$0.44$0.25+76.00%Beat-8.3%
    Mar 20
    		$0.36$0.35+2.86%Beat-18.2%
    Dec 19
    		$0.49$0.43+13.95%Beat+0.0%
    Sep 19
    		$0.52$0.51+1.96%Beat-3.7%
    Jun 19
    		$0.48$0.52-7.69%Miss-2.0%
    Mar 19
    		$0.44$0.49-10.20%Miss-4.3%
    Dec 18
    		$0.49$0.53-7.55%Miss+32.4%
    Sep 18
    		$0.54$0.53+1.89%Beat+22.7%
    Jun 18
    		$0.49$0.49+0.00%Beat+22.5%
    Mar 18
    		$0.46$0.45+2.22%Beat+31.4%
    Dec 17
    		$0.37$0.36+2.78%Beat+23.3%
    Sep 17
    		$0.44$0.42+4.76%Beat+10.0%
    Jun 17
    		$0.40$0.40+0.00%Beat-
    Mar 17
    		$0.35$0.38-7.89%Miss-
    Dec 16
    		$0.30$0.31-3.23%Miss-
    Sep 16
    		$0.40$0.39+2.56%Beat-

    Dividends

    Dividend Metrics

    Yield2.94%
    Annual/Share$1.09
    Payout Ratio32.12%
    Frequency4
    Pay MonthsJan, Apr, May, Jul, Oct

    Growth

    3Y CAGR+6.00%
    5Y CAGR+8.04%
    View TOWN's full dividend history

    Key Metrics

    Valuation
    P/E Ratio12.14EV/EBITDAN/A
    Price/FCF25.99xFCF Yield3.85%
    Profitability
    Profit Margin28.60%Operating Margin61.00%
    ROE12.20%ROIC5.16%
    Financial Health
    Debt/Equity0.01xInterest Coverage0.68x
    Current Ratio4.07xQuick Ratio4.07x
    Trading Statistics
    Beta0.70Avg Volume561.74K
    52-Week High$39.0252-Week Low$30.55

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$37.51
    SMA 20$37.65
    SMA 50$36.96
    SMA 200$34.54
    EMA 10$37.47
    EMA 20$37.48
    EMA 50$36.87
    EMA 200$35.18

    MACD

    Line: 0.10Signal: 0.23Hist: -0.13

    ADX

    ADX: 11.8+DI: 21.5-DI: 25.8

    Aroon & PSAR

    Aroon Up8.0
    Aroon DownN/A
    PSAR$38.45

    Bollinger Bands

    Upper Band$38.37
    Lower Band$36.92
    %B Position386%(Upper)
    Band Width0.08

    RSI (14-Day)

    Neutral
    44.8

    Momentum Oscillators

    Stoch %K25.0
    Stoch %D35.3
    Williams %R-95.7
    ROC (10d)-1.5%
    Momentum-0.55
    CCI (20d)-131.6
    MFI (14d)47.7

    Volatility Measures

    ATR (14d)$0.54(1.5%)
    StdDev (20d)0.36
    Hist Vol11.6%(Low)

    Volume Flow

    VWAP$37.14
    OBV-1.5M
    AD Line-252.3M
    CMF (20d)-0.006

    Volume Metrics

    Avg Vol (20d)547.2K
    Vol Ratio0.8x
    VWMA (20d)$37.72

    Pivot Points

    R3$37.99
    R2$37.82
    R1$37.62
    Pivot Point$37.45
    S1$37.25
    S2$37.08
    S3$36.88

    Advanced Oscillators

    TSI5.52
    Ultimate Osc49.5
    KST12.53

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$497.37M$260.53M$255.14M$287.06M$277.86M$261.18M$253.91M$258.86M$260.86M$250.80M$232.91M$242.66M
    Cost of Revenue$76.15M$77.80M$71.54M$86.67M$76.83M$71.56M$79.60M$83.24M$85.71M$82.83M$78.84M$70.81M
    Gross Profit$421.22M$182.73M$183.60M$200.39M$201.03M$189.62M$174.31M$175.62M$175.15M$167.98M$154.07M$171.86M
    Operating Expenses$167.52M$132.52M$130.11M$153.74M$150.66M$130.54M$126.20M$126.90M$123.98M$125.59M$122.86M$117.70M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$105.87M$111.08M$101.77M$82.84M$82.32M$79.09M$77.91M$76.67M$74.26M$77.06M$75.01M$70.72M
    Operating Income$253.70M$50.22M$53.49M$46.65M$50.37M$59.09M$48.11M$48.72M$51.16M$42.39M$31.21M$54.16M
    Interest Income$0$250.40M$230.67M$218.34M$207.63M$189.62M$196.05M$196.62M$194.93M$186.92M$184.13M$182.86M
    Interest Expense$75.53M$77.46M$71.70M$71.39M$70.42M$69.14M$78.00M$84.34M$85.89M$83.70M$76.39M$69.80M
    Income Before Tax$253.70M$50.22M$53.49M$46.65M$50.37M$59.09M$48.11M$48.72M$51.16M$42.39M$31.21M$54.16M
    Income Tax Expense$60.08M$9.12M$12.64M$7.36M$11.10M$8.20M$6.67M$5.59M$8.12M$7.26M$2.66M$9.41M
    Net Income$193.19M$40.99M$40.63M$38.98M$38.84M$50.59M$41.27M$42.95M$42.86M$34.69M$28.80M$44.86M
    EBITDA$253.70M$63.38M$65.07M$56.99M$60.05M$67.71M$56.77M$57.43M$60.15M$51.10M$39.72M$62.80M
    EBITN/A$50.22M$53.49M$46.65M$50.37M$59.09M$48.11M$48.72M$51.16M$42.39M$31.21M$54.16M
    * Some calculated fields are derived from available data when not provided by source

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    News

    TowneBank: Q2 Earnings Snapshot

    TowneBank reported net income of $193.2 million for its second quarter, translating to $2.09 per share. Adjusted earnings were 78 cents per share. The bank's revenue net of interest expense was $247 million, falling short of Street forecasts.

    cbs19news.com•7/23/26•
    Neutral

    TowneBank: Q2 Earnings Snapshot

    TowneBank (TOWN) reported net income of $193.2 million in its second quarter, with earnings of $2.09 per share. Adjusted earnings were 78 cents per share. The bank posted revenue of $321.2 million, but its revenue net of interest expense of $247 million missed Street forecasts.

    KING5.com•7/22/26•
    Somewhat-Bearish

    TowneBank: Q2 Earnings Snapshot

    TowneBank (TOWN) reported Q2 net income of $193.2 million, with adjusted earnings of 78 cents per share. The bank's revenue net of interest expense was $247 million, which missed Street forecasts. The earnings per share was $2.09.

    Yahoo Finance•7/22/26•
    Neutral

    Higher Rates Put These Regional Bank Stocks In Focus

    With the Federal Reserve maintaining high interest rates, this article highlights three regional bank stocks—TowneBank (TOWN), Simmons First National (SFNC), and Banc of California (BANC)—that are particularly exposed to and likely to benefit from this environment. It details each bank's operations, market cap, and how their business models are positioned to leverage sustained higher rates, despite some individual challenges. The article suggests these banks could offer compelling narratives for investors focused on interest income and financial health.

    Simply Wall Street•7/19/26•
    Bullish

    TOWN5355137 Bond Profile — Key Metrics

    This article provides a detailed profile of the TowneBank 3.125% bond, maturing on February 15, 2032, with an outstanding amount of $250 million. It highlights key facts about the bond, including its coupon rate and face value, and describes TowneBank's operations across banking, realty, and insurance segments. The company was founded in 1998 and is headquartered in Portsmouth, VA.

    TradingView•7/18/26•
    Neutral

    Frequently Asked Questions About TOWN

    What is TOWN's current dividend yield?
    Towne Bank (TOWN) has a current dividend yield of 2.94%.
    Does TOWN pay dividends?
    Yes, Towne Bank pays dividends with a current yield of 2.94%.
    What is TOWN's P/E ratio?
    Towne Bank has a price-to-earnings (P/E) ratio of 12.14.
    What is TOWN's market cap?
    Towne Bank (TOWN) has a market capitalization of $3.46B with a current stock price of $37.04.

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