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Towne Bank (TOWN)

Towne Bank is a U.S. financial services company listed on NASDAQ under the ticker TOWN. Organized as a common equity security, it operates as a banking franchise serving individuals, businesses, and professionals. The company reports four operating segments: Banking, Mortgage, Resort Vacation Management, and Insurance.

Its banking activities include deposit products such as checking and savings accounts, money market accounts, certificates of deposit, and retirement accounts, along with treasury management, safe deposit boxes, payroll and social security direct deposit, and automatic payment services. Towne Bank also provides a range of lending products, including consumer, mortgage, and commercial loans, as well as real estate acquisition, development, and construction financing. Beyond banking, it offers residential mortgage lending, resort property management, and property, casualty, life, and health insurance services. The company was incorporated in 1998 and is based in Portsmouth, Virginia.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-TOWN
$35.87
-0.8% Downside
Fair
$39.25
8.5% Upside
Fair
Fair
—
—
1.12
3.1%
July 23, 2026
19.8x
1.1x
3.8x
3.324 B
—
14.7%
93.7%
-1.5
49.0%
76.7%
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Valuation • Fair Value

Towne Bank (NASDAQ-TOWN) Fair Value by Valuation Model

Compare the primary fair value estimate for Towne Bank (NASDAQ-TOWN) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$35.87

Estimated downside of 0.8% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$20.27

Classic Ben Graham valuation formula reference.

DDM Fair Value

$46.53

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$32.32

Comparable-company valuation reference.

Analyst Price Target

$39.25

Analysts imply upside of 8.5%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Towne Bank (NASDAQ-TOWN) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Towne Bank (NASDAQ-TOWN)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

877.2 M

Current operating scale indicator.

Revenue Forecast

1.013 B

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Towne Bank (NASDAQ-TOWN) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Towne Bank (NASDAQ-TOWN)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.5

Lower score that deserves closer risk review.

FCF / Net Income

76.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Towne Bank (NASDAQ-TOWN). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Towne Bank (NASDAQ-TOWN)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 23, 2026

Days to Earnings

2

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

3.1%

Income yield reference.

Upcoming Dividend

1.12

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

49.0%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Towne Bank (NASDAQ-TOWN), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Towne Bank (NASDAQ-TOWN) Stock Forecast & Technical Outlook

Review Towne Bank (NASDAQ-TOWN) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Towne Bank (NASDAQ-TOWN) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Towne Bank (NASDAQ-TOWN) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Buy

The daily technical read for Towne Bank (NASDAQ-TOWN) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Towne Bank (NASDAQ-TOWN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Towne Bank (NASDAQ-TOWN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Towne Bank (NASDAQ-TOWN)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Towne Bank (NASDAQ-TOWN) has a Hold consensus, with 1 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 2
Sell 0
FAQ • Fast Investor Answers

Towne Bank (NASDAQ-TOWN) Stock FAQ

Quick answers about Towne Bank (NASDAQ-TOWN) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$35.87
Estimated downside 0.8%
Valuation Rating
Near Fair Value
Price is close to fair value
Analyst Target
$39.25
Implied upside 8.5%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Towne Bank (NASDAQ-TOWN) is $35.87. This implies an estimated downside of 0.8% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

The available analyst price target for Towne Bank (NASDAQ-TOWN) is $39.25. The analyst target implies estimated upside of 8.5%.

The current financial health read for Towne Bank (NASDAQ-TOWN) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Towne Bank (NASDAQ-TOWN) is July 23, 2026.

Based on the current data, dividend yield is 3.1%, upcoming dividend amount is 1.12.

The current P/E ratio listed for Towne Bank (NASDAQ-TOWN) is 19.8x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Towne Bank is 3.324 B.

The ticker symbol for Towne Bank is NASDAQ-TOWN, and the stock is listed on NASDAQ.

Towne Bank (NASDAQ-TOWN) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Towne Bank is 14.7%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Towne Bank is 93.7%. Free float helps investors understand how much of the share base is available for public trading.

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