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    T

    Towne Bank (TOWN)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $35.28
    +0.51 (+1.47%)

    Market Cap: $3.18B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    69%(27/39)
    Avg Surprise
    +6.75%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.83
    Range$0.82 - $0.84
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$0.82+0.9%
    60d ago$0.82+0.9%
    30d ago$0.82+0.9%
    7d ago$0.82+0.9%
    Current$0.83
    Revenue Consensus
    $256M
    Range$256M - $256M
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.77
    Range$0.72 - $0.83
    2 analysts
    Revenue Consensus
    $187M
    Range$187M - $187M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.77---
    Sep 26EST
    		-$0.83---
    Jun 26
    Reported Jul 23
    		$0.78$0.76+2.63%Beat-3.7%
    Mar 26
    Reported Apr 22
    		$0.74$0.76-2.63%Miss+8.8%
    Dec 25
    Reported Jan 30
    		$0.70$0.71-1.41%Miss+27.3%
    Sep 25
    Reported Oct 22
    		$0.83$0.76+9.21%Beat+43.1%
    Jun 25
    Reported Jul 23
    		$0.81$0.65+24.62%Beat+42.1%
    Mar 25
    Reported Apr 23
    		$0.68$0.61+11.48%Beat+41.7%
    Dec 24
    Reported Jan 22
    		$0.55$0.48+14.58%Beat+31.0%
    Sep 24
    Reported Oct 23
    		$0.58$0.56+3.57%Beat-3.3%
    Jun 24
    Reported Jul 24
    		$0.57$0.48+18.75%Beat+9.6%
    Mar 24
    Reported Apr 24
    		$0.48$0.48+0.00%Beat-22.6%
    Dec 23
    Reported Jan 24
    		$0.42$0.47-10.64%Miss-35.4%
    Sep 23
    Reported Oct 26
    		$0.60$0.49+22.45%Beat-14.3%
    Jun 23
    Reported Jul 27
    		$0.52$0.57-8.77%Miss-18.8%
    Mar 23
    Reported Apr 27
    		$0.62$0.67-7.46%Miss-1.6%
    Dec 22
    Reported Jan 26
    		$0.65$0.71-8.45%Miss+18.2%
    Sep 22
    Reported Oct 27
    		$0.70$0.67+4.48%Beat+1.4%
    Jun 22
    Reported Jul 28
    		$0.64$0.61+4.92%Beat-16.9%
    Mar 22
    Reported Apr 28
    		$0.63$0.57+10.53%Beat-33.0%
    Dec 21
    Reported Jan 27
    		$0.55$0.59-6.78%Miss-20.3%
    Sep 21
    Reported Oct 28
    		$0.69$0.65+6.15%Beat+50.0%
    Jun 21
    Reported Jul 29
    		$0.77$0.66+16.67%Beat+75.0%
    Mar 21
    Reported Apr 29
    		$0.94$0.60+56.67%Beat+161.1%
    Dec 20
    Reported Jan 28
    		$0.69$0.52+32.69%Beat+40.8%
    Sep 20
    Reported Oct 22
    		$0.46$0.46+0.00%Beat-11.5%
    Jun 20
    Reported Jul 23
    		$0.44$0.25+76.00%Beat-8.3%
    Mar 20
    Reported Apr 27
    		$0.36$0.35+2.86%Beat-18.2%
    Dec 19
    Reported Jan 23
    		$0.49$0.43+13.95%Beat+0.0%
    Sep 19
    Reported Oct 24
    		$0.52$0.51+1.96%Beat-3.7%
    Jun 19
    Reported Jul 25
    		$0.48$0.52-7.69%Miss-2.0%
    Mar 19
    Reported Apr 25
    		$0.44$0.49-10.20%Miss-4.3%
    Dec 18
    Reported Jan 24
    		$0.49$0.53-7.55%Miss+32.4%
    Sep 18
    Reported Oct 25
    		$0.54$0.53+1.89%Beat+22.7%
    Jun 18
    Reported Jul 26
    		$0.49$0.49+0.00%Beat+22.5%
    Mar 18
    Reported Apr 25
    		$0.46$0.45+2.22%Beat+31.4%
    Dec 17
    Reported Jan 25
    		$0.37$0.36+2.78%Beat+23.3%
    Sep 17
    Reported Oct 26
    		$0.44$0.42+4.76%Beat-
    Jun 17
    Reported Jul 27
    		$0.40$0.40+0.00%Beat-
    Mar 17
    Reported Apr 27
    		$0.35$0.38-7.89%Miss-
    Dec 16
    Reported Jan 26
    		$0.30$0.31-3.23%Miss-

    Dividends

    Dividend Metrics

    Forward Yield3.17%
    Forward Annual Dividend$1.12
    Payout Ratio32.41%
    FrequencyQuarterly
    Pay MonthsJan, Apr, May, Jul, Oct

    Growth

    3Y CAGR+6.00%
    5Y CAGR+8.04%
    TOWN dividend history and ex-dividend datesRun TOWN in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.57EV/EBITDA8.09x
    Price/FCF24.76xFCF Yield4.04%
    Profitability
    Profit Margin28.60%Operating Margin61.00%
    ROE12.20%ROIC4.54%
    Financial Health
    Debt/Equity0.15xInterest Coverage0.68x
    Current Ratio4.07xQuick Ratio4.07x
    Trading Statistics
    Beta0.73Avg Volume559.66K
    52-Week High$38.7252-Week Low$30.31

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$35.25
    SMA 20$35.67
    SMA 50$36.54
    SMA 200$34.90
    EMA 10$35.25
    EMA 20$35.62
    EMA 50$36.07
    EMA 200$35.21

    MACD

    Line: -0.46Signal: -0.41Hist: -0.04

    ADX

    ADX: 40.2+DI: 12.9-DI: 32.0

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down96.0
    PSAR$34.13

    Bollinger Bands

    Upper Band$36.82
    Lower Band$34.52
    %B Position644%(Upper)
    Band Width0.33

    RSI (14-Day)

    Neutral
    42.2

    Momentum Oscillators

    Stoch %K30.8
    Stoch %D23.3
    Williams %R-51.2
    ROC (10d)-1.6%
    Momentum-0.59
    CCI (20d)-59.2
    MFI (14d)27.9

    Volatility Measures

    ATR (14d)$0.64(1.8%)
    StdDev (20d)0.57
    Hist Vol12.6%(Low)

    Volume Flow

    VWAP$35.26
    OBV-1.5M
    AD Line-295.1M
    CMF (20d)-0.403

    Volume Metrics

    Avg Vol (20d)558.2K
    Vol Ratio0.8x
    VWMA (20d)$35.70

    Pivot Points

    R3$36.02
    R2$35.51
    R1$35.14
    Pivot Point$34.64
    S1$34.27
    S2$33.76
    S3$33.39

    Advanced Oscillators

    TSI-25.27
    Ultimate Osc49.0
    KST-41.79

    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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    TOWN Valuation and Fair Value

    P/E
    11.6x
    Forward P/E
    12.6x
    EV/EBITDA
    8.1x
    P/FCF
    24.8x
    PEG
    0.0x
    P/B
    1.1x
    See GNG's fair value

    TOWN Profitability: Margins, ROIC and FCF

    Gross margin
    76.0%
    Operating margin
    61.0%
    Net margin
    28.6%
    ROIC
    4.5%
    ROE
    12.2%
    FCF margin
    10.1%
    FCF yield
    4.0%

    TOWN Competitors

    CompanyTicker
    Marathon Digital Holdings IncMARA
    Park National CorporationPRK
    WisdomTree Inc.WT
    AllianceBernstein Holding L.P.AB
    Simmons First National CorporationSFNC
    Golub Capital BDC IncGBDC
    First Financial BancorpFFBC
    Community Bank System IncCBU

    Sector: Financial Services

    TOWN Analyst Ratings

    Consensus
    Buy
    Analysts
    4
    Strong Buy
    1
    Buy
    1
    Hold
    2
    Sell
    0
    Strong Sell
    0

    TOWN Bull Case vs Bear Case

    Bull case

    • TOWN has a 28.6% net profit margin.
    • TOWN beat EPS estimates in 75.0% of its last 8 reported quarters.
    • TOWN grew quarterly revenue 117.8% year over year.

    TOWN Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    7.8%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.83
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 2 down

    TOWN Dividend

    Forward yield
    3.2%
    Payout ratio
    32.4%
    3Y DPS growth
    6.0%
    5Y DPS growth
    8.0%
    Pay months
    Jan, Apr, May, Jul, Oct
    TOWN dividend history

    Frequently Asked Questions About TOWN

    What is TOWN's current dividend yield?

    Towne Bank (TOWN) has a forward dividend yield of 3.17%.

    Does TOWN pay dividends?

    Yes, Towne Bank pays dividends with a forward dividend yield of 3.17%.

    What is TOWN's P/E ratio?

    Towne Bank has a price-to-earnings (P/E) ratio of 11.57.

    What is TOWN's market cap?

    Towne Bank (TOWN) has a market capitalization of $3.18B with a current stock price of $35.28.

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