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Also traded in: Germany

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 0.36
NAS:TOWN's Cash-to-Debt is ranked lower than
79% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. NAS:TOWN: 0.36 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:TOWN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.58 Max: N/A
Current: 0.36
Equity-to-Asset 0.14
NAS:TOWN's Equity-to-Asset is ranked higher than
81% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:TOWN: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:TOWN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: 0.14
Current: 0.14
0.07
0.14
Interest Coverage 2.65
NAS:TOWN's Interest Coverage is ranked higher than
62% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. NAS:TOWN: 2.65 )
Ranked among companies with meaningful Interest Coverage only.
NAS:TOWN' s Interest Coverage Range Over the Past 10 Years
Min: 0.48  Med: 1.1 Max: 2.85
Current: 2.65
0.48
2.85
Piotroski F-Score: 4
Beneish M-Score: -2.28
WACC vs ROIC
9.97%
5.71%
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 : 6/10

vs
industry
vs
history
Operating Margin % 26.68
NAS:TOWN's Operating Margin % is ranked lower than
61% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. NAS:TOWN: 26.68 )
Ranked among companies with meaningful Operating Margin % only.
NAS:TOWN' s Operating Margin % Range Over the Past 10 Years
Min: 22.33  Med: 25.5 Max: 31.08
Current: 26.68
22.33
31.08
Net Margin % 17.66
NAS:TOWN's Net Margin % is ranked lower than
65% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. NAS:TOWN: 17.66 )
Ranked among companies with meaningful Net Margin % only.
NAS:TOWN' s Net Margin % Range Over the Past 10 Years
Min: 16.05  Med: 17.6 Max: 20.95
Current: 17.66
16.05
20.95
ROE % 6.65
NAS:TOWN's ROE % is ranked lower than
62% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. NAS:TOWN: 6.65 )
Ranked among companies with meaningful ROE % only.
NAS:TOWN' s ROE % Range Over the Past 10 Years
Min: 3.81  Med: 6.65 Max: 9.86
Current: 6.65
3.81
9.86
ROA % 0.88
NAS:TOWN's ROA % is ranked higher than
51% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NAS:TOWN: 0.88 )
Ranked among companies with meaningful ROA % only.
NAS:TOWN' s ROA % Range Over the Past 10 Years
Min: 0.79  Med: 0.88 Max: 1.11
Current: 0.88
0.79
1.11
3-Year Revenue Growth Rate -7.50
NAS:TOWN's 3-Year Revenue Growth Rate is ranked lower than
86% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. NAS:TOWN: -7.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:TOWN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.5  Med: 11.2 Max: 68.6
Current: -7.5
-7.5
68.6
3-Year EBITDA Growth Rate 0.40
NAS:TOWN's 3-Year EBITDA Growth Rate is ranked lower than
69% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. NAS:TOWN: 0.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:TOWN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0.4  Med: 6.2 Max: 32.2
Current: 0.4
0.4
32.2
3-Year EPS without NRI Growth Rate 5.80
NAS:TOWN's 3-Year EPS without NRI Growth Rate is ranked lower than
54% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:TOWN: 5.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:TOWN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -8.4  Med: 17.1 Max: 59.7
Current: 5.8
-8.4
59.7
GuruFocus has detected 6 Warning Signs with Towne Bank $NAS:TOWN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:TOWN's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

TOWN Guru Trades in Q1 2016

Robert Olstein 99,200 sh (+7.83%)
Jim Simons 704,257 sh (+7.75%)
First Pacific Advisors Sold Out
Michael Price 500,000 sh (-56.09%)
» More
Q2 2016

TOWN Guru Trades in Q2 2016

Jim Simons 767,516 sh (+8.98%)
Robert Olstein 99,950 sh (+0.76%)
Michael Price 500,000 sh (unchged)
» More
Q3 2016

TOWN Guru Trades in Q3 2016

Robert Olstein 100,025 sh (+0.08%)
Jim Simons 664,587 sh (-13.41%)
Michael Price 400,000 sh (-20.00%)
» More
Q4 2016

TOWN Guru Trades in Q4 2016

Mario Gabelli 11,000 sh (New)
Robert Olstein Sold Out
Jim Simons 662,187 sh (-0.36%)
Michael Price 180,000 sh (-55.00%)
» More
» Details

Insider Trades

Latest Guru Trades with TOWN

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:UCBI, NAS:SFBS, NYSE:FCB, NAS:LTXB, NAS:EGBN, NAS:BANR, NAS:FIBK, NAS:TRMK, NAS:BNCN, NAS:CBF, NAS:RNST, NAS:SFNC, NAS:INDB, NAS:FFBC, NAS:COLB, NAS:ABCB, NAS:NBTB, NAS:WSBC, AMEX:PRK, NAS:FRME » details
Traded in other countries:3T8.Germany,
Towne Bank offers retail and commercial banking services to the Greater Hampton Roads region in south eastern Virginia and north eastern North Carolina. The Company operates in Banking, Realty and Insurance.

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.

Ratios

vs
industry
vs
history
PE Ratio 27.84
TOWN's PE Ratio is ranked lower than
89% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. TOWN: 27.84 )
Ranked among companies with meaningful PE Ratio only.
TOWN' s PE Ratio Range Over the Past 10 Years
Min: 11.03  Med: 18 Max: 31
Current: 27.84
11.03
31
PE Ratio without NRI 27.84
TOWN's PE Ratio without NRI is ranked lower than
88% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. TOWN: 27.84 )
Ranked among companies with meaningful PE Ratio without NRI only.
TOWN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.03  Med: 17.98 Max: 31.14
Current: 27.84
11.03
31.14
Price-to-Owner-Earnings 10.19
TOWN's Price-to-Owner-Earnings is ranked higher than
65% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. TOWN: 10.19 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
TOWN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.62  Med: 17.28 Max: 588.24
Current: 10.19
3.62
588.24
PB Ratio 1.78
TOWN's PB Ratio is ranked lower than
84% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. TOWN: 1.78 )
Ranked among companies with meaningful PB Ratio only.
TOWN' s PB Ratio Range Over the Past 10 Years
Min: 0.61  Med: 1.1 Max: 2.45
Current: 1.78
0.61
2.45
PS Ratio 4.86
TOWN's PS Ratio is ranked lower than
80% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. TOWN: 4.86 )
Ranked among companies with meaningful PS Ratio only.
TOWN' s PS Ratio Range Over the Past 10 Years
Min: 1.57  Med: 2.44 Max: 5.58
Current: 4.86
1.57
5.58
Price-to-Free-Cash-Flow 12.72
TOWN's Price-to-Free-Cash-Flow is ranked lower than
52% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. TOWN: 12.72 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
TOWN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.17  Med: 14.16 Max: 88.5
Current: 12.72
3.17
88.5
Price-to-Operating-Cash-Flow 10.98
TOWN's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. TOWN: 10.98 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TOWN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.55  Med: 11.48 Max: 2753.33
Current: 10.98
2.55
2753.33
EV-to-EBIT 23.93
TOWN's EV-to-EBIT is ranked lower than
81% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. TOWN: 23.93 )
Ranked among companies with meaningful EV-to-EBIT only.
TOWN' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 15.65 Max: 62.6
Current: 23.93
6.2
62.6
EV-to-EBITDA 19.91
TOWN's EV-to-EBITDA is ranked lower than
78% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. TOWN: 19.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
TOWN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 12.9 Max: 39.7
Current: 19.91
5
39.7
PEG Ratio 6.52
TOWN's PEG Ratio is ranked lower than
91% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. TOWN: 6.52 )
Ranked among companies with meaningful PEG Ratio only.
TOWN' s PEG Ratio Range Over the Past 10 Years
Min: 0.8  Med: 2.27 Max: 20.26
Current: 6.52
0.8
20.26
Shiller PE Ratio 30.04
TOWN's Shiller PE Ratio is ranked lower than
77% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. TOWN: 30.04 )
Ranked among companies with meaningful Shiller PE Ratio only.
TOWN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 14.36  Med: 17.89 Max: 33.43
Current: 30.04
14.36
33.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.67
TOWN's Dividend Yield % is ranked lower than
76% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. TOWN: 1.67 )
Ranked among companies with meaningful Dividend Yield % only.
TOWN' s Dividend Yield % Range Over the Past 10 Years
Min: 0.41  Med: 2.25 Max: 3.06
Current: 1.67
0.41
3.06
Dividend Payout Ratio 0.45
TOWN's Dividend Payout Ratio is ranked higher than
91% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TOWN: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
TOWN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.32  Med: 0.36 Max: 0.49
Current: 0.45
0.32
0.49
3-Year Dividend Growth Rate 12.70
TOWN's 3-Year Dividend Growth Rate is ranked higher than
66% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TOWN: 12.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
TOWN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 70.3
Current: 12.7
0
70.3
Forward Dividend Yield % 1.68
TOWN's Forward Dividend Yield % is ranked lower than
78% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. TOWN: 1.68 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.63
TOWN's 5-Year Yield-on-Cost % is ranked lower than
62% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. TOWN: 2.63 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TOWN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.65  Med: 3.54 Max: 4.82
Current: 2.63
0.65
4.82
3-Year Average Share Buyback Ratio -17.90
TOWN's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. TOWN: -17.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TOWN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -17.9  Med: -5.3 Max: 5.1
Current: -17.9
-17.9
5.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.50
TOWN's Price-to-Tangible-Book is ranked lower than
90% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. TOWN: 2.50 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TOWN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.9  Med: 1.8 Max: 5.5
Current: 2.5
0.9
5.5
Price-to-Intrinsic-Value-Projected-FCF 1.39
TOWN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
86% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. TOWN: 1.39 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
TOWN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.56  Med: 0.92 Max: 2.3
Current: 1.39
0.56
2.3
Price-to-Median-PS-Value 1.99
TOWN's Price-to-Median-PS-Value is ranked lower than
93% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. TOWN: 1.99 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TOWN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.7  Med: 1.38 Max: 7.48
Current: 1.99
0.7
7.48
Price-to-Graham-Number 1.76
TOWN's Price-to-Graham-Number is ranked lower than
94% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. TOWN: 1.76 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TOWN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.77  Med: 1.17 Max: 3.74
Current: 1.76
0.77
3.74
Earnings Yield (Greenblatt) % 4.16
TOWN's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. TOWN: 4.16 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TOWN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.6  Med: 6.4 Max: 16
Current: 4.16
1.6
16
Forward Rate of Return (Yacktman) % 4.26
TOWN's Forward Rate of Return (Yacktman) % is ranked lower than
71% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. TOWN: 4.26 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
TOWN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 4.2  Med: 10.6 Max: 19.7
Current: 4.26
4.2
19.7

More Statistics

Revenue (TTM) (Mil) $343.8
EPS (TTM) $ 1.10
Beta1.11
Short Percentage of Float1.87%
52-Week Range $18.62 - 34.55
Shares Outstanding (Mil)62.49
» More Articles for TOWN

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More From Other Websites
TowneBank breached its 50 day moving average in a Bullish Manner : TOWN-US : March 17, 2017 Mar 17 2017
TowneBank Announces Quarterly Cash Dividend and Annual Shareholder Meeting Date Feb 22 2017
TowneBank : TOWN-US: Dividend Analysis : December 30th, 2016 (record date) : By the numbers :... Feb 16 2017
ETFs with exposure to TowneBank : February 2, 2017 Feb 02 2017
TowneBank :TOWN-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
TowneBank breached its 50 day moving average in a Bearish Manner : TOWN-US : January 31, 2017 Jan 31 2017
TowneBank :TOWN-US: Earnings Analysis: Q4, 2016 By the Numbers : January 30, 2017 Jan 30 2017
TowneBank Reports Full Year and Fourth Quarter Financial Results for 2016 Jan 26 2017
TowneBank breached its 50 day moving average in a Bearish Manner : TOWN-US : January 18, 2017 Jan 18 2017
The 2017 Gad Value Investment Fund, Part 1 Dec 27 2016
ETFs with exposure to TowneBank : December 14, 2016 Dec 14 2016
Should You Buy TowneBank (TOWN)? Dec 14 2016
ETFs with exposure to TowneBank : November 30, 2016 Nov 30 2016
TowneBank Announces Quarterly Cash Dividend Nov 23 2016
ETFs with exposure to TowneBank : November 18, 2016 Nov 18 2016
TowneBank :TOWN-US: Earnings Analysis: Q3, 2016 By the Numbers : November 14, 2016 Nov 14 2016
TowneBank Reports Record Third Quarter Earnings Oct 27 2016
TowneBank : TOWN-US: Dividend Analysis : September 30th, 2016 (record date) : By the numbers :... Oct 24 2016
5 Unheralded Finance Picks of Billionaire Michael Price Sep 16 2016
TowneBank breached its 50 day moving average in a Bearish Manner : TOWN-US : September 14, 2016 Sep 14 2016

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