Financial Services
Live Price
Offline$34.71
+0.61% today
1Y Change
+3.51%
Window
Jun 23, 2025 → Jun 16, 2026
Coverage: 247 bars · Jun 23, 2025 → 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 3.5% across the available one-year price window (Jun 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TOWN
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
TOWN Max Drawdown
-14.93%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for TOWN and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$720.1M
-3.1% YoY
FY Net Income
$215.4M
+14.0% YoY
Free Cash Flow
$487.6M
+34.2% YoY
Revenue Growth
-1.6%
EPS Growth
+2.8%
Gross Margin
71.0%
Net Margin
14.8%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.0B | 1.0B | 943M | 743M | 720M |
| Gross Profit | 701M | 693M | 676M | 678M | 696M |
| Operating Income | 210M | 190M | 186M | 237M | 280M |
| EBITDA | 210M | 226M | 220M | 266M | 309M |
| Net Income | 170M | 162M | 154M | 189M | 215M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 253M | 1.3B | 1.1B | 1.2B | 3.3B |
| Total Assets | 19.7B | 17.2B | 16.8B | 15.8B | 16.4B |
| Total Liabilities | 17.3B | 15.1B | 14.8B | 14.0B | 14.4B |
| Shareholder Equity | 2.4B | 2.1B | 2.0B | 1.9B | 1.9B |
| Total Debt | 371M | 297M | 493M | 318M | 482M |
| Net Debt | 118M | -1.0B | -636M | -835M | -2.8B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
519M
+24.9% YoY
Capital Expenditures
31M
+40.3% YoY
Free Cash Flow
488M
+34.2% YoY
Key ratios
Gross Margin
71.0%
Operating Margin
18.6%
Net Margin
14.8%
ROE
6.4%
Debt / Equity
0.17x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.