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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 0.52
TOWN's Cash to Debt is ranked higher than
65% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. TOWN: 0.52 )
TOWN' s 10-Year Cash to Debt Range
Min: 0.13   Max: 9999
Current: 0.52

0.13
9999
Equity to Asset 0.12
TOWN's Equity to Asset is ranked higher than
82% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TOWN: 0.12 )
TOWN' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.12

0.07
0.13
Interest Coverage 2.33
TOWN's Interest Coverage is ranked higher than
78% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. TOWN: 2.33 )
TOWN' s 10-Year Interest Coverage Range
Min: 0.48   Max: 9999.99
Current: 2.33

0.48
9999.99
F-Score: 5
Z-Score: 0.24
WACC vs ROIC
7.12%
5.64%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 26.18
TOWN's Operating margin (%) is ranked higher than
68% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. TOWN: 26.18 )
TOWN' s 10-Year Operating margin (%) Range
Min: 22.33   Max: 29.09
Current: 26.18

22.33
29.09
Net-margin (%) 17.81
TOWN's Net-margin (%) is ranked higher than
66% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. TOWN: 17.81 )
TOWN' s 10-Year Net-margin (%) Range
Min: 7.46   Max: 19.65
Current: 17.81

7.46
19.65
ROE (%) 7.40
TOWN's ROE (%) is ranked higher than
70% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. TOWN: 7.40 )
TOWN' s 10-Year ROE (%) Range
Min: 6.1   Max: 9.86
Current: 7.4

6.1
9.86
ROA (%) 0.92
TOWN's ROA (%) is ranked higher than
77% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. TOWN: 0.92 )
TOWN' s 10-Year ROA (%) Range
Min: 0.56   Max: 1.09
Current: 0.92

0.56
1.09
ROC (Joel Greenblatt) (%) 41.14
TOWN's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. TOWN: 41.14 )
TOWN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 33.43   Max: 65.41
Current: 41.14

33.43
65.41
Revenue Growth (3Y)(%) 4.70
TOWN's Revenue Growth (3Y)(%) is ranked higher than
81% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. TOWN: 4.70 )
TOWN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 4.7   Max: 24.6
Current: 4.7

4.7
24.6
EBITDA Growth (3Y)(%) 8.60
TOWN's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1846 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TOWN: 8.60 )
TOWN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 32.3
Current: 8.6

0
32.3
EPS Growth (3Y)(%) 18.20
TOWN's EPS Growth (3Y)(%) is ranked higher than
84% of the 1864 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. TOWN: 18.20 )
TOWN' s 10-Year EPS Growth (3Y)(%) Range
Min: -9.8   Max: 61.6
Current: 18.2

-9.8
61.6
» TOWN's 10-Y Financials

Financials


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

» Details

Guru Trades

TOWN Guru Trades in

Q2 2013

TOWN Guru Trades in Q2 2013

Jim Simons 40,080 sh (-13.81%)
» More
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
» 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) 14.50
TOWN's P/E(ttm) is ranked higher than
78% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. TOWN: 14.50 )
TOWN' s 10-Year P/E(ttm) Range
Min: 12.1   Max: 45.74
Current: 14.5

12.1
45.74
PE(NRI) 14.30
TOWN's PE(NRI) is ranked higher than
81% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. TOWN: 14.30 )
TOWN' s 10-Year PE(NRI) Range
Min: 12.1   Max: 46.19
Current: 14.3

12.1
46.19
P/B 1.10
TOWN's P/B is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. TOWN: 1.10 )
TOWN' s 10-Year P/B Range
Min: 0.62   Max: 2.89
Current: 1.1

0.62
2.89
P/S 2.30
TOWN's P/S is ranked higher than
79% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. TOWN: 2.30 )
TOWN' s 10-Year P/S Range
Min: 1.64   Max: 8.09
Current: 2.3

1.64
8.09
PFCF 5.50
TOWN's PFCF is ranked higher than
89% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TOWN: 5.50 )
TOWN' s 10-Year PFCF Range
Min: 4.71   Max: 93.04
Current: 5.5

4.71
93.04
POCF 4.65
TOWN's POCF is ranked higher than
91% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. TOWN: 4.65 )
TOWN' s 10-Year POCF Range
Min: 3.93   Max: 87.5
Current: 4.65

3.93
87.5
EV-to-EBIT 13.88
TOWN's EV-to-EBIT is ranked higher than
80% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. TOWN: 13.88 )
TOWN' s 10-Year EV-to-EBIT Range
Min: 10.7   Max: 34.4
Current: 13.88

10.7
34.4
PEG 1.96
TOWN's PEG is ranked higher than
88% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TOWN: 1.96 )
TOWN' s 10-Year PEG Range
Min: 0.74   Max: 5.18
Current: 1.96

0.74
5.18
Shiller P/E 18.50
TOWN's Shiller P/E is ranked higher than
87% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TOWN: 18.50 )
TOWN' s 10-Year Shiller P/E Range
Min: 12.46   Max: 38.26
Current: 18.5

12.46
38.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.69
TOWN's Dividend Yield is ranked higher than
57% of the 2226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. TOWN: 2.69 )
TOWN' s 10-Year Dividend Yield Range
Min: 1.28   Max: 3.04
Current: 2.69

1.28
3.04
Dividend Payout 0.33
TOWN's Dividend Payout is ranked higher than
79% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. TOWN: 0.33 )
TOWN' s 10-Year Dividend Payout Range
Min: 0.32   Max: 0.49
Current: 0.33

0.32
0.49
Dividend growth (3y) 6.90
TOWN's Dividend growth (3y) is ranked higher than
77% of the 1338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TOWN: 6.90 )
TOWN' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 6.9
Current: 6.9

0
6.9
Yield on cost (5-Year) 3.19
TOWN's Yield on cost (5-Year) is ranked higher than
59% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. TOWN: 3.19 )
TOWN' s 10-Year Yield on cost (5-Year) Range
Min: 1.51   Max: 3.59
Current: 3.19

1.51
3.59
Share Buyback Rate -2.70
TOWN's Share Buyback Rate is ranked higher than
69% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. TOWN: -2.70 )
TOWN' s 10-Year Share Buyback Rate Range
Min: -1.8   Max: -17.3
Current: -2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
TOWN's Price/Tangible Book is ranked higher than
70% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TOWN: 1.50 )
TOWN' s 10-Year Price/Tangible Book Range
Min: 0.91   Max: 5.45
Current: 1.5

0.91
5.45
Price/DCF (Projected) 0.80
TOWN's Price/DCF (Projected) is ranked higher than
84% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TOWN: 0.80 )
TOWN' s 10-Year Price/DCF (Projected) Range
Min: 0.58   Max: 1.99
Current: 0.8

0.58
1.99
Price/Median PS Value 0.90
TOWN's Price/Median PS Value is ranked higher than
91% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. TOWN: 0.90 )
TOWN' s 10-Year Price/Median PS Value Range
Min: 0.72   Max: 2.86
Current: 0.9

0.72
2.86
Price/Peter Lynch Fair Value 2.10
TOWN's Price/Peter Lynch Fair Value is ranked higher than
90% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TOWN: 2.10 )
TOWN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.92   Max: 4.33
Current: 2.1

0.92
4.33
Price/Graham Number 0.80
TOWN's Price/Graham Number is ranked higher than
84% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TOWN: 0.80 )
TOWN' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 4.53
Current: 0.8

0.66
4.53
Earnings Yield (Greenblatt) 7.30
TOWN's Earnings Yield (Greenblatt) is ranked higher than
74% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TOWN: 7.30 )
TOWN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.9   Max: 9.4
Current: 7.3

2.9
9.4
Forward Rate of Return (Yacktman) 9.57
TOWN's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. TOWN: 9.57 )
TOWN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.6   Max: 30.7
Current: 9.57

4.6
30.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:3T8.Germany,
Towne Bank, Inc., was organized and incorporated under the laws of the Commonwealth of Virginia on September 3, 1998, is a community bank is a provider of financial services to individuals, small and medium sized businesses. It operates in three segments: 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 a complete range of products and services to meet all of its members' needs. Most recently in 2009, Towne combined 3 local companies, GSH Real Estate, Prudential McCardle Realty and Prudential Decker Realty, to form Prudential Towne Realty, which is a home marketing firm in Hampton Roads.
» More Articles for TOWN

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