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TowneBank (TOWN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

TowneBank

TOWNMarket cap $3.19BPrice $35.0

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community-focused banking across Virginia and North Carolina, offering deposits, loans, mortgages, and insurance services. It's structured almost like a local relationship business — branch managers hold real decision-making power, a rarity among regional banks its size.

In Bastion Portfolios?

52W Return+7%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+6%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+11%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+41%9

EPS Growth Y+2+12%7

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%5

Net Income Margin29%9

Free Cash Flow Margin12%6

Debt

Net Debt/EBITDAna–

Efficiency

ROE12%5

ROA2%3

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)98

P/BV1.19

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%9

Dividend Yield3.2%7

Momentum

Short term

1 month return-5%5

3 month return-1%6

YTD return+9%6

Mid term

Price vs 52wHigh90%8

1 year return+9%6

Long term

3 year return+73%7

5 year return+31%5

Risk Shield

Price Risk

Beta0.85

Volatility21%9

Free Cash Flow

Free Cash Flow Margin12%6

Free Cash Flow Yield0.0%9

Quality

ROCE15%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

TOWNTowneBank

Revenue FY25$812M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+11%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+41%9

EPS growth, FY27E+12%7

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 6%/yr over the last 3 years and is set to grow 11%/yr from here.

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 11%/yr).

WATCH

Revenue is set to grow 11%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE62 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-1%6

YTD return+9%6

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+9%6

3-year return+73%7

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 9% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+73% over three years and +31% over five), roughly average for the market.

Returns sit at the market level over the past month (-5%), over three months (-1%) and so far this year (+9%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on TowneBank. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

TOWNTowneBank

Revenue FY25$812M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+11%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+41%9

EPS growth, FY27E+12%7

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 6%/yr over the last 3 years and is set to grow 11%/yr from here.

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 11%/yr).

WATCH

Revenue is set to grow 11%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE62 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-1%6

YTD return+9%6

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+9%6

3-year return+73%7

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 9% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

WATCH

Average long-term results. Multi-year returns are middling (+73% over three years and +31% over five), roughly average for the market.

Returns sit at the market level over the past month (-5%), over three months (-1%) and so far this year (+9%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on TowneBank. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community