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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.37
TOWN's Cash to Debt is ranked lower than
72% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. TOWN: 0.37 )
Ranked among companies with meaningful Cash to Debt only.
TOWN' s 10-Year Cash to Debt Range
Min: 0.11  Med: 0.59 Max: N/A
Current: 0.37
Equity to Asset 0.13
TOWN's Equity to Asset is ranked higher than
75% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TOWN: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
TOWN' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.12 Max: 0.13
Current: 0.13
0.07
0.13
Interest Coverage 2.36
TOWN's Interest Coverage is ranked higher than
61% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TOWN: 2.36 )
Ranked among companies with meaningful Interest Coverage only.
TOWN' s 10-Year Interest Coverage Range
Min: 0.48  Med: 1.01 Max: 9999.99
Current: 2.36
0.48
9999.99
F-Score: 3
WACC vs ROIC
7.13%
5.97%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 26.55
TOWN's Operating margin (%) is ranked lower than
60% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. TOWN: 26.55 )
Ranked among companies with meaningful Operating margin (%) only.
TOWN' s 10-Year Operating margin (%) Range
Min: 21.85  Med: 24.97 Max: 29.09
Current: 26.55
21.85
29.09
Net-margin (%) 17.74
TOWN's Net-margin (%) is ranked lower than
65% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. TOWN: 17.74 )
Ranked among companies with meaningful Net-margin (%) only.
TOWN' s 10-Year Net-margin (%) Range
Min: 7.46  Med: 16.60 Max: 19.65
Current: 17.74
7.46
19.65
ROE (%) 7.08
TOWN's ROE (%) is ranked lower than
60% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. TOWN: 7.08 )
Ranked among companies with meaningful ROE (%) only.
TOWN' s 10-Year ROE (%) Range
Min: 3.81  Med: 6.87 Max: 9.86
Current: 7.08
3.81
9.86
ROA (%) 0.89
TOWN's ROA (%) is ranked higher than
52% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TOWN: 0.89 )
Ranked among companies with meaningful ROA (%) only.
TOWN' s 10-Year ROA (%) Range
Min: 0.56  Med: 0.86 Max: 1.09
Current: 0.89
0.56
1.09
Revenue Growth (3Y)(%) 1.40
TOWN's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TOWN: 1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TOWN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 1.4  Med: 11.45 Max: 24.6
Current: 1.4
1.4
24.6
EBITDA Growth (3Y)(%) 6.20
TOWN's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TOWN: 6.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TOWN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 6.20 Max: 32.3
Current: 6.2
0
32.3
EPS Growth (3Y)(%) 16.80
TOWN's EPS Growth (3Y)(%) is ranked higher than
66% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. TOWN: 16.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TOWN' s 10-Year EPS Growth (3Y)(%) Range
Min: -9.8  Med: 18.45 Max: 61.6
Current: 16.8
-9.8
61.6
» TOWN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

TOWN Guru Trades in Q3 2013

Jim Simons 33,078 sh (-17.47%)
» More
Q4 2013

TOWN Guru Trades in Q4 2013

Jim Simons Sold Out
» More
Q1 2015

TOWN Guru Trades in Q1 2015

First Pacific Advisors 86,237 sh (New)
Michael Price 1,141,875 sh (New)
Jim Simons 449,276 sh (New)
» More
Q2 2015

TOWN Guru Trades in Q2 2015

Robert Olstein 143,000 sh (New)
Jim Simons 474,076 sh (+5.52%)
First Pacific Advisors 86,237 sh (unchged)
Michael Price 1,141,875 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with TOWN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.68
TOWN's P/E(ttm) is ranked lower than
64% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. TOWN: 15.68 )
Ranked among companies with meaningful P/E(ttm) only.
TOWN' s 10-Year P/E(ttm) Range
Min: 11.03  Med: 19.09 Max: 52.9
Current: 15.68
11.03
52.9
PE(NRI) 15.70
TOWN's PE(NRI) is ranked lower than
64% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TOWN: 15.70 )
Ranked among companies with meaningful PE(NRI) only.
TOWN' s 10-Year PE(NRI) Range
Min: 11.03  Med: 19.82 Max: 53.02
Current: 15.7
11.03
53.02
P/B 1.20
TOWN's P/B is ranked lower than
63% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TOWN: 1.20 )
Ranked among companies with meaningful P/B only.
TOWN' s 10-Year P/B Range
Min: 0.61  Med: 1.10 Max: 2.9
Current: 1.2
0.61
2.9
P/S 2.74
TOWN's P/S is ranked higher than
53% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. TOWN: 2.74 )
Ranked among companies with meaningful P/S only.
TOWN' s 10-Year P/S Range
Min: 1.58  Med: 2.45 Max: 8.42
Current: 2.74
1.58
8.42
EV-to-EBIT 17.55
TOWN's EV-to-EBIT is ranked lower than
65% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. TOWN: 17.55 )
Ranked among companies with meaningful EV-to-EBIT only.
TOWN' s 10-Year EV-to-EBIT Range
Min: 6.2  Med: 17.70 Max: 68.2
Current: 17.55
6.2
68.2
PEG 2.66
TOWN's PEG is ranked lower than
81% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TOWN: 2.66 )
Ranked among companies with meaningful PEG only.
TOWN' s 10-Year PEG Range
Min: 0.82  Med: 1.80 Max: 43.98
Current: 2.66
0.82
43.98
Shiller P/E 18.88
TOWN's Shiller P/E is ranked lower than
63% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. TOWN: 18.88 )
Ranked among companies with meaningful Shiller P/E only.
TOWN' s 10-Year Shiller P/E Range
Min: 8.92  Med: 17.24 Max: 34.03
Current: 18.88
8.92
34.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.47
TOWN's Dividend Yield is ranked lower than
57% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. TOWN: 2.47 )
Ranked among companies with meaningful Dividend Yield only.
TOWN' s 10-Year Dividend Yield Range
Min: 0.41  Med: 2.29 Max: 3.05
Current: 2.47
0.41
3.05
Dividend Payout 0.38
TOWN's Dividend Payout is ranked lower than
58% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TOWN: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
TOWN' s 10-Year Dividend Payout Range
Min: 0.29  Med: 0.36 Max: 0.6
Current: 0.38
0.29
0.6
Dividend growth (3y) 11.40
TOWN's Dividend growth (3y) is ranked higher than
61% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TOWN: 11.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
TOWN' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 11.4
Current: 11.4
0
11.4
Yield on cost (5-Year) 3.43
TOWN's Yield on cost (5-Year) is ranked higher than
53% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. TOWN: 3.43 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TOWN' s 10-Year Yield on cost (5-Year) Range
Min: 0.57  Med: 3.17 Max: 4.22
Current: 3.43
0.57
4.22
Share Buyback Rate -4.50
TOWN's Share Buyback Rate is ranked lower than
62% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. TOWN: -4.50 )
Ranked among companies with meaningful Share Buyback Rate only.
TOWN' s 10-Year Share Buyback Rate Range
Min: -1.8  Med: -4.35 Max: -17.3
Current: -4.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.55
TOWN's Price/Tangible Book is ranked lower than
73% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TOWN: 1.55 )
Ranked among companies with meaningful Price/Tangible Book only.
TOWN' s 10-Year Price/Tangible Book Range
Min: 0.9  Med: 1.91 Max: 5.5
Current: 1.55
0.9
5.5
Price/Projected FCF 1.26
TOWN's Price/Projected FCF is ranked lower than
85% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. TOWN: 1.26 )
Ranked among companies with meaningful Price/Projected FCF only.
TOWN' s 10-Year Price/Projected FCF Range
Min: 0.56  Med: 0.88 Max: 1.99
Current: 1.26
0.56
1.99
Price/DCF (Earnings Based) 1.40
TOWN's Price/DCF (Earnings Based) is ranked lower than
91% of the 57 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. TOWN: 1.40 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.12
TOWN's Price/Median PS Value is ranked lower than
62% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TOWN: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
TOWN' s 10-Year Price/Median PS Value Range
Min: 0.41  Med: 1.08 Max: 3.7
Current: 1.12
0.41
3.7
Price/Peter Lynch Fair Value 2.41
TOWN's Price/Peter Lynch Fair Value is ranked lower than
95% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. TOWN: 2.41 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TOWN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.86  Med: 1.62 Max: 4.04
Current: 2.41
0.86
4.04
Price/Graham Number 1.16
TOWN's Price/Graham Number is ranked lower than
79% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. TOWN: 1.16 )
Ranked among companies with meaningful Price/Graham Number only.
TOWN' s 10-Year Price/Graham Number Range
Min: 0.62  Med: 1.15 Max: 4.03
Current: 1.16
0.62
4.03
Earnings Yield (Greenblatt) (%) 5.70
TOWN's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. TOWN: 5.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TOWN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 5.60 Max: 16
Current: 5.7
1.5
16
Forward Rate of Return (Yacktman) (%) 8.76
TOWN's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. TOWN: 8.76 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TOWN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1.6  Med: 9.45 Max: 30.1
Current: 8.76
-1.6
30.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:3T8.Germany,
Towne Bank was incorporated under the laws of the Commonwealth of Virginia on September 3, 1998, is a community bank. The Company provides financial services to individuals, small and medium sized businesses. It operates in banking, realty and insurance. The banking segment provides loan and deposit services to retail and commercial customers. It also provides commercial mortgage brokerage services, investment and asset management services. The deposit products include checking accounts, Negotiable Order of Withdrawal (NOW) accounts, saving accounts, time deposit services and long term certificates of deposit. The realty segment provides complete residential real estate services, originations of mortgage loans, resort property management and commercial residential title insurance. The insurance segment provides property and casualty insurance as well as employee and group benefits. The company boasts seventeen banking offices in Chesapeake, Hampton, Portsmouth, Newport News, Virginia Beach, Norfolk, Williamsburg and York County. Each Towne company offers products and services to meet all of its member's needs. The Company competes with financial service providers, real estate companies, mortgage loan originators and insurance companies. The Company is subject to government supervision, regulation and control for its products & services.
» More Articles for TOWN

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