TOWN

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Towne Bank

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Key Metrics

Previous Close: $37.28
52-Week Range: $31.91 – $39.03
Market Cap: $3.47B
P/E (TTM): 18.02
EPS (TTM): 2.08
Dividend Yield: 2.92%

Advanced Metrics

Price/Book: 1.18
PEG Ratio: —
Return on Equity: 12.22%
Return on Assets: 1.57%
Gross Margin: 0.00%
Operating Margin: 61.03%
Profit Margin: 28.56%
Current Ratio: —
Debt/Equity: —
Total Debt: $510.97M
Free Cash Flow: —
Revenue Growth: 117.80%
Earnings Growth: 285.70%
Enterprise Value: $3.65B

TOWN Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$686.38M	$694.38M	$692.04M	$833.68M
Selling, General & Admin	$279.92M	$305.22M	$321.53M	$348.83M
Pretax Income	$237.05M	$185.51M	$189.92M	$210.22M
Income Tax	$46.58M	$30.91M	$27.55M	$39.42M
Net Income	$188.99M	$153.21M	$161.36M	$169.53M
Diluted EPS	2.60	2.05	2.15	2.21
Diluted Shares	72.58M	74.66M	75.17M	76.75M

TOWN Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$1.15B	$1.13B	$1.34B	$1.35B
Total Assets	$15.85B	$16.84B	$17.24B	$19.69B
Long-Term Debt	$277.09M	$459.75M	$263.22M	$336.32M
Total Debt	$277.09M	$459.75M	$263.22M	$336.32M
Total Liabilities	$13.96B	$14.78B	$15.09B	$17.26B
Retained Earnings	$840.78M	$921.13M	$1.00B	$1.09B
Shareholders' Equity	$1.87B	$2.04B	$2.13B	$2.42B

TOWN Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$415.50M	$159.20M	$137.72M	$261.47M
Capital Expenditure	-$52.29M	-$42.03M	-$56.63M	-$49.80M
Free Cash Flow	$363.22M	$117.17M	$81.09M	$211.67M
Depreciation & Amortisation	$28.70M	$34.22M	$35.07M	$40.23M
Stock-Based Compensation	$5.22M	$7.02M	$7.87M	$9.71M
Investing Cash Flow	-$2.05B	-$333.57M	-$202.13M	-$386.89M
Financing Cash Flow	-$512.10M	$149.90M	$275.53M	$136.60M
Dividends Paid	-$62.75M	-$71.38M	-$75.02M	-$79.30M
Share Repurchases	—	—	—	-$575.00K
Net Change in Cash	-$2.14B	-$24.47M	$211.12M	$11.17M

TOWN Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$183.10M	$207.44M	$215.66M	$218.53M	$246.45M
Selling, General & Admin	$83.56M	$85.55M	$86.60M	$93.12M	$103.73M
Pretax Income	$50.14M	$50.37M	$46.65M	$54.11M	$50.22M
Income Tax	$6.13M	$11.10M	$7.36M	$12.77M	$9.12M
Net Income	$43.71M	$38.84M	$38.98M	$41.12M	$40.99M
Diluted EPS	0.58	0.51	0.51	—	0.45
Diluted Shares	75.53M	75.54M	76.76M	—	90.78M

TOWN Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$1.32B	$1.11B	$1.25B	$1.35B	$1.56B
Total Assets	$17.51B	$18.26B	$19.68B	$19.69B	$22.36B
Long-Term Debt	$263.23M	$273.27M	$336.49M	$336.32M	$481.49M
Total Debt	$263.23M	$273.27M	$336.49M	$336.32M	$481.49M
Total Liabilities	$15.29B	$16.03B	$17.28B	$17.26B	$19.46B
Retained Earnings	$1.04B	$1.06B	$1.08B	$1.09B	$1.10B
Shareholders' Equity	$2.20B	$2.23B	$2.40B	$2.42B	$2.89B

TOWN Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$121.88M	-$30.64M	$52.82M	$117.41M	$40.45M
Capital Expenditure	-$11.24M	-$11.86M	-$11.57M	-$15.13M	-$13.59M
Free Cash Flow	$110.64M	-$42.50M	$41.25M	$102.28M	$26.86M
Depreciation & Amortisation	$8.63M	$9.68M	$10.34M	$11.58M	$13.16M
Stock-Based Compensation	$2.35M	$2.43M	$2.40M	$2.53M	$2.87M
Investing Cash Flow	-$283.20M	-$234.80M	$111.73M	$19.38M	$166.80M
Financing Cash Flow	$139.17M	$59.80M	-$26.25M	-$36.11M	$4.07M
Dividends Paid	-$18.81M	-$18.81M	-$20.36M	-$21.32M	-$21.33M
Net Change in Cash	-$22.14M	-$205.64M	$138.29M	$100.67M	$211.32M

Market Snapshot

About

TowneBank is a full-service community bank serving Virginia and North Carolina with banking, insurance, and investment services. The company operates through multiple divisions offering commercial and retail banking, mortgage banking, wealth management, and property and casualty insurance. TowneBank emphasizes relationship banking and local decision-making to serve businesses and individuals in its markets.