Financial Services
TowneBank(TOWN)
Live Price
Offline$34.71
+0.61% today
1Y Change
+7.01%
Window
Jun 20, 2025 โ Jun 16, 2026
- Market Cap
- $2.73B
- Revenue Growth
- -1.6%
- EPS Growth
- +2.8%
- Dividend Yield
- 3.0%
Coverage: 248 bars ยท Jun 20, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
TowneBank (TOWN) is a Financial Services stock with a market cap of $2.73B and listed on NASDAQ. The stock last traded around $34.71 and up 7.0% across the available one-year price window (Jun 20, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of -1.6%, EPS growth of +2.8%, a dividend yield of 3.0%. What stands out right now is revenue -1.6%, EPS +2.8%, free cash flow +161.0% with operating margin 18.6% and ROIC 0.7%. The dividend matters to the case here, with a current yield around 3.0%. Valuation is more restrained than many high-expectation growth names at P/E 20.3 and price/sales 2.5. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines TOWN price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-1.6% vs +3.4% peer median
Operating Margin
Above sector median
+18.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 22, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -1.6% and EPS is at +2.8%, with operating margin around 18.6%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.0%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.0% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 22, 2026 | โ | -0.6% | -1.5% | -2.4% |
2026 Jan 30, 2026 | -1.4% | +1.9% | +7.6% | -1.2% |
2025 Oct 22, 2025 | +9.1% | -2.4% | -3.1% | -4.0% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TOWN
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
TOWN Max Drawdown
-14.93%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for TOWN and SPY.
Company Overview
TowneBank
NASDAQ Global Select
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. 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. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.
- Leadership
- William I. Foster
- IPO Date
- May 5, 1999
- Employees
- 2.7k
- Street Address
- 5716 High Street
- Mailing
- Portsmouth, VA, 23703
- Region
- Portsmouth, VA, US
- Reporting Currency
- USD
- Investor Line
- 757 638 7500
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 20.3
- EV/EBITDA
- 14.3
- Price/Sales
- 2.5
- Price/Book
- 1.1
Growth
- Revenue
- -1.6%
- EPS
- +2.8%
- Free Cash Flow
- +161.0%
Profitability
- Gross Margin
- 71.0%
- Operating Margin
- 18.6%
- Net Margin
- 14.8%
- ROE
- 6.4%
- ROIC
- 0.7%
Balance Sheet
- Debt/Equity
- 0.17
- Current Ratio
- 3.08
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.