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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 lower than
68% of the 974 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. TOWN: 0.52 )
TOWN' s 10-Year Cash to Debt Range
Min: 0.13   Max: N/A
Current: 0.52

Equity to Asset 0.12
TOWN's Equity to Asset is ranked higher than
66% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 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
60% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 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: 0.23
WACC vs ROIC
7.14%
1.28%
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 (%) 24.77
TOWN's Operating margin (%) is ranked lower than
60% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. TOWN: 24.77 )
TOWN' s 10-Year Operating margin (%) Range
Min: 22.33   Max: 29.09
Current: 24.77

22.33
29.09
Net-margin (%) 17.51
TOWN's Net-margin (%) is ranked lower than
63% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. TOWN: 17.51 )
TOWN' s 10-Year Net-margin (%) Range
Min: 7.46   Max: 19.65
Current: 17.51

7.46
19.65
ROE (%) 1.69
TOWN's ROE (%) is ranked lower than
88% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. TOWN: 1.69 )
TOWN' s 10-Year ROE (%) Range
Min: 6.1   Max: 9.86
Current: 1.69

6.1
9.86
ROA (%) 0.21
TOWN's ROA (%) is ranked lower than
86% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. TOWN: 0.21 )
TOWN' s 10-Year ROA (%) Range
Min: 0.56   Max: 1.09
Current: 0.21

0.56
1.09
ROC (Joel Greenblatt) (%) 8.94
TOWN's ROC (Joel Greenblatt) (%) is ranked lower than
85% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. TOWN: 8.94 )
TOWN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 33.43   Max: 65.41
Current: 8.94

33.43
65.41
Revenue Growth (3Y)(%) 4.70
TOWN's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 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
55% of the 984 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
70% of the 1000 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 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

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
Q1 2015

TOWN Guru Trades in Q1 2015

Jim Simons 449,276 sh (New)
First Pacific Advisors 86,237 sh (New)
Michael Price 1,141,875 sh (New)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.90
TOWN's P/E(ttm) is ranked lower than
56% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TOWN: 13.90 )
TOWN' s 10-Year P/E(ttm) Range
Min: 12.1   Max: 45.74
Current: 13.9

12.1
45.74
PE(NRI) 13.90
TOWN's PE(NRI) is ranked higher than
52% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. TOWN: 13.90 )
TOWN' s 10-Year PE(NRI) Range
Min: 12.1   Max: 46.19
Current: 13.9

12.1
46.19
P/B 1.10
TOWN's P/B is ranked lower than
62% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 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 2.21
TOWN's P/S is ranked higher than
60% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TOWN: 2.21 )
TOWN' s 10-Year P/S Range
Min: 1.64   Max: 8.09
Current: 2.21

1.64
8.09
PFCF 5.40
TOWN's PFCF is ranked higher than
60% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. TOWN: 5.40 )
TOWN' s 10-Year PFCF Range
Min: 4.71   Max: 93.04
Current: 5.4

4.71
93.04
POCF 4.52
TOWN's POCF is ranked higher than
70% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. TOWN: 4.52 )
TOWN' s 10-Year POCF Range
Min: 3.93   Max: 87.5
Current: 4.52

3.93
87.5
EV-to-EBIT 13.62
TOWN's EV-to-EBIT is ranked higher than
53% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.37 vs. TOWN: 13.62 )
TOWN' s 10-Year EV-to-EBIT Range
Min: 10.7   Max: 34.4
Current: 13.62

10.7
34.4
PEG 1.90
TOWN's PEG is ranked lower than
72% of the 513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. TOWN: 1.90 )
TOWN' s 10-Year PEG Range
Min: 0.74   Max: 5.18
Current: 1.9

0.74
5.18
Shiller P/E 17.70
TOWN's Shiller P/E is ranked lower than
73% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. TOWN: 17.70 )
TOWN' s 10-Year Shiller P/E Range
Min: 12.46   Max: 38.26
Current: 17.7

12.46
38.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.80
TOWN's Dividend Yield is ranked lower than
72% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.50 vs. TOWN: 2.80 )
TOWN' s 10-Year Dividend Yield Range
Min: 1.28   Max: 3.04
Current: 2.8

1.28
3.04
Dividend Payout 0.33
TOWN's Dividend Payout is ranked lower than
60% of the 1089 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.28 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 lower than
51% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 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) 3.31
TOWN's Yield on cost (5-Year) is ranked lower than
70% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.46 vs. TOWN: 3.31 )
TOWN' s 10-Year Yield on cost (5-Year) Range
Min: 1.51   Max: 3.59
Current: 3.31

1.51
3.59
Share Buyback Rate -2.70
TOWN's Share Buyback Rate is ranked lower than
58% of the 915 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 1.40
TOWN's Price/Tangible Book is ranked lower than
73% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. TOWN: 1.40 )
TOWN' s 10-Year Price/Tangible Book Range
Min: 0.91   Max: 5.45
Current: 1.4

0.91
5.45
Price/DCF (Projected) 0.80
TOWN's Price/DCF (Projected) is ranked lower than
72% of the 778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 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
76% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 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 2.00
TOWN's Price/Peter Lynch Fair Value is ranked lower than
102% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. TOWN: 2.00 )
TOWN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.92   Max: 4.33
Current: 2

0.92
4.33
Price/Graham Number 0.80
TOWN's Price/Graham Number is ranked higher than
54% of the 1193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 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
50% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 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) 9.64
TOWN's Forward Rate of Return (Yacktman) is ranked lower than
62% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. TOWN: 9.64 )
TOWN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.6   Max: 30.7
Current: 9.64

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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