NASDAQ · Banks - Regional

TOWN (TOWN) Stock

$38.49 +1.88% NASDAQ: TOWN Financial Services

Valuation

MetricValue
Price$38.49
Market Cap$3.55B
P/E Ratio15.49
P/B Ratio1.08
P/S Ratio2.41
EPS (TTM)$2.21
52-Week High$38.49
52-Week Low$31.91
Dividend Yield5.22%

Financials & Margins

MetricValue
ROE7.02%
ROA0.86%
ROCE8.65%
Gross Margin20.83%
Operating Margin20.83%
Net Margin14.75%
Debt/Equity0.17
Current Ratio0.10

Annual Financials (USD)

Metric20212022202320242025
Revenue$720.0M$743.0M$943.0M$1.0B$1.0B
Operating Profit$280.0M$237.0M$186.0M$190.0M$210.0M
Net Profit$215.0M$189.0M$154.0M$162.0M$170.0M
EPS$2.97$2.60$2.06$2.15$2.21
Op Margin38.9%31.9%19.8%18.6%20.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$16.4B$15.8B$16.8B$17.2B$19.7B
Total Liabilities$14.4B$14.0B$14.8B$15.1B$17.3B
Cash$3.3B$1.2B$1.1B$1.3B$253.0M
Borrowings$482.0M$318.0M$493.0M$297.0M$371.0M

Latest News

TowneBank: Q2 Earnings Snapshot Associated Press · Jul 23, 2026 TowneBank Reports Second Quarter 2026 Earnings GlobeNewswire · Jul 23, 2026 TowneBank (TOWN) Could Be 103% Below Fair Value On Mixed Valuation Signals Simply Wall St. · Jul 19, 2026 3 Reasons to Avoid TOWN and 1 Stock to Buy Instead StockStory · Jul 16, 2026 First Citizens BancShares (FCNCA) Expected to Beat Earnings Estimates: What to Know Ahead of Q2 Release Zacks · Jul 16, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$519.0M$416.0M$161.0M$138.0M$261.0M
Investing Cash Flow$-579.0M$-2.1B$-380.0M$-260.0M$-437.0M
Financing Cash Flow$2.0B$-285.0M$81.0M$544.0M$218.0M
Net Cash Flow$1.4B$-2.1B$-24.0M$211.0M$11.0M
Free Cash Flow$488.0M$363.0M$117.0M$81.0M$212.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y6.41%
Return 3Y60.30%
Return 5Y45.74%

Ownership

Insiders Held5.68%
Institutions Held61.30%
Institutions Float Held64.99%
Institutional HolderSharesReport Date
Blackrock Inc.6,236,9162026-03-31
Vanguard Portfolio Management LLC4,879,3342026-03-31
T. Rowe Price Investment Management, Inc.4,595,6342026-03-31
Dimensional Fund Advisors LP4,399,0122026-03-31
Vanguard Capital Management LLC3,895,6422026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BANC $18.59 -12.23% 15.58 $2.87B 2.33%
BOH $80.07 +0.06% 16.22 $3.17B 0.00%
CUBI $79.59 +1.18% 9.85 $2.69B 0.00%
CVBF $22.79 +1.27% 13.24 $3.09B 3.93%
PFS $24.07 -0.41% 9.74 $3.14B 4.42%

About TOWN

TOWN stock trades at $38.49 with a market capitalization of $3.55B. The stock is valued at a price-to-earnings (P/E) ratio of 15.49, price-to-book of 1.08, price-to-sales of 2.41. Over the past 52 weeks the stock has ranged between $31.91 and $38.49, and currently trades at its 52-week high. It pays a dividend yielding 5.22%.

On profitability, TOWN generates a return on equity (ROE) of 7.02%, return on capital employed of 8.65%, an operating margin of 20.83%, a net profit margin of 14.75%.

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