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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.65
TOWN's Cash to Debt is ranked lower than
68% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. TOWN: 0.65 )
Ranked among companies with meaningful Cash to Debt only.
TOWN' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.59 Max: N/A
Current: 0.65
Equity to Asset 0.13
TOWN's Equity to Asset is ranked higher than
75% of the 1667 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 Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: 0.13
Current: 0.13
0.07
0.13
Interest Coverage 2.78
TOWN's Interest Coverage is ranked higher than
65% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. TOWN: 2.78 )
Ranked among companies with meaningful Interest Coverage only.
TOWN' s Interest Coverage Range Over the Past 10 Years
Min: 0.48  Med: 0.97 Max: 2.36
Current: 2.78
0.48
2.36
F-Score: 5
M-Score: -2.24
WACC vs ROIC
8.12%
6.57%
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 (%) 29.84
TOWN's Operating margin (%) is ranked lower than
52% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. TOWN: 29.84 )
Ranked among companies with meaningful Operating margin (%) only.
TOWN' s Operating margin (%) Range Over the Past 10 Years
Min: 22.33  Med: 25.50 Max: 29.09
Current: 29.84
22.33
29.09
Net-margin (%) 19.99
TOWN's Net-margin (%) is ranked lower than
59% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. TOWN: 19.99 )
Ranked among companies with meaningful Net-margin (%) only.
TOWN' s Net-margin (%) Range Over the Past 10 Years
Min: 16.05  Med: 17.60 Max: 19.65
Current: 19.99
16.05
19.65
ROE (%) 7.91
TOWN's ROE (%) is ranked lower than
53% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. TOWN: 7.91 )
Ranked among companies with meaningful ROE (%) only.
TOWN' s ROE (%) Range Over the Past 10 Years
Min: 3.81  Med: 6.65 Max: 9.86
Current: 7.91
3.81
9.86
ROA (%) 1.02
TOWN's ROA (%) is ranked higher than
61% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TOWN: 1.02 )
Ranked among companies with meaningful ROA (%) only.
TOWN' s ROA (%) Range Over the Past 10 Years
Min: 0.79  Med: 0.88 Max: 1.09
Current: 1.02
0.79
1.09
Revenue Growth (3Y)(%) 0.20
TOWN's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. TOWN: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TOWN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.2  Med: 12.15 Max: 82.8
Current: 0.2
0.2
82.8
EBITDA Growth (3Y)(%) 4.80
TOWN's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. TOWN: 4.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TOWN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 3.4  Med: 6.75 Max: 32.2
Current: 4.8
3.4
32.2
EPS Growth (3Y)(%) 15.20
TOWN's EPS Growth (3Y)(%) is ranked higher than
70% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TOWN: 15.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TOWN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.1  Med: 18.60 Max: 78.6
Current: 15.2
-10.1
78.6
» TOWN's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

TOWN Guru Trades in Q3 2015

Jim Simons 549,376 sh (+15.88%)
First Pacific Advisors 86,237 sh (unchged)
Michael Price 1,138,575 sh (-0.29%)
Robert Olstein 127,500 sh (-10.84%)
» More
Q4 2015

TOWN Guru Trades in Q4 2015

Jim Simons 653,576 sh (+18.97%)
First Pacific Advisors 86,237 sh (unchged)
Michael Price 1,138,575 sh (unchged)
Robert Olstein 92,000 sh (-27.84%)
» More
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
» Details

Insider Trades

Latest Guru Trades with TOWN

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:UBSH, NAS:OPB, NAS:FFBC, NAS:INDB, NAS:BBCN, NAS:WSBC, NAS:ABCB, NAS:NBTB, NAS:FRME, NAS:FIBK, AMEX:TMP, NAS:BNCL, NYSE:YDKN, NAS:LTXB, NAS:SFBS, NAS:BPFH, NAS:WABC, NAS:WSFS, NAS:BANF, NAS:TLMR » 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
P/E(ttm) 18.33
TOWN's P/E(ttm) is ranked lower than
76% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. TOWN: 18.33 )
Ranked among companies with meaningful P/E(ttm) only.
TOWN' s P/E(ttm) Range Over the Past 10 Years
Min: 11.03  Med: 18.01 Max: 32.43
Current: 18.33
11.03
32.43
PE(NRI) 18.33
TOWN's PE(NRI) is ranked lower than
76% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. TOWN: 18.33 )
Ranked among companies with meaningful PE(NRI) only.
TOWN' s PE(NRI) Range Over the Past 10 Years
Min: 11.03  Med: 18.35 Max: 34.29
Current: 18.33
11.03
34.29
Price/Owner Earnings (ttm) 78.44
TOWN's Price/Owner Earnings (ttm) is ranked lower than
97% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. TOWN: 78.44 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
TOWN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.62  Med: 20.06 Max: 588.24
Current: 78.44
3.62
588.24
P/B 1.40
TOWN's P/B is ranked lower than
74% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. TOWN: 1.40 )
Ranked among companies with meaningful P/B only.
TOWN' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 1.09 Max: 2.47
Current: 1.4
0.61
2.47
P/S 3.54
TOWN's P/S is ranked lower than
63% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. TOWN: 3.54 )
Ranked among companies with meaningful P/S only.
TOWN' s P/S Range Over the Past 10 Years
Min: 1.57  Med: 2.43 Max: 6.11
Current: 3.54
1.57
6.11
PFCF 85.22
TOWN's PFCF is ranked lower than
97% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. TOWN: 85.22 )
Ranked among companies with meaningful PFCF only.
TOWN' s PFCF Range Over the Past 10 Years
Min: 3.17  Med: 17.89 Max: 88.5
Current: 85.22
3.17
88.5
POCF 30.35
TOWN's POCF is ranked lower than
92% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. TOWN: 30.35 )
Ranked among companies with meaningful POCF only.
TOWN' s POCF Range Over the Past 10 Years
Min: 2.55  Med: 12.42 Max: 2753.33
Current: 30.35
2.55
2753.33
EV-to-EBIT 15.01
TOWN's EV-to-EBIT is ranked lower than
58% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. TOWN: 15.01 )
Ranked among companies with meaningful EV-to-EBIT only.
TOWN' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.2  Med: 15.50 Max: 62.6
Current: 15.01
6.2
62.6
EV-to-EBITDA 12.70
TOWN's EV-to-EBITDA is ranked lower than
53% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. TOWN: 12.70 )
Ranked among companies with meaningful EV-to-EBITDA only.
TOWN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5  Med: 12.80 Max: 39.7
Current: 12.7
5
39.7
PEG 3.10
TOWN's PEG is ranked lower than
80% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TOWN: 3.10 )
Ranked among companies with meaningful PEG only.
TOWN' s PEG Range Over the Past 10 Years
Min: 0.43  Med: 2.06 Max: 12.49
Current: 3.1
0.43
12.49
Shiller P/E 21.94
TOWN's Shiller P/E is ranked lower than
68% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. TOWN: 21.94 )
Ranked among companies with meaningful Shiller P/E only.
TOWN' s Shiller P/E Range Over the Past 10 Years
Min: 14.52  Med: 17.56 Max: 25.28
Current: 21.94
14.52
25.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.28
TOWN's Dividend Yield is ranked lower than
67% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. TOWN: 2.28 )
Ranked among companies with meaningful Dividend Yield only.
TOWN' s Dividend Yield Range Over the Past 10 Years
Min: 0.41  Med: 2.29 Max: 3.06
Current: 2.28
0.41
3.06
Dividend Payout 0.38
TOWN's Dividend Payout is ranked lower than
58% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. TOWN: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
TOWN' s Dividend Payout Range Over the Past 10 Years
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
58% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. TOWN: 11.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TOWN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 11.4
Current: 11.4
0
11.4
Forward Dividend Yield 2.49
TOWN's Forward Dividend Yield is ranked lower than
68% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. TOWN: 2.49 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.15
TOWN's Yield on cost (5-Year) is ranked lower than
56% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. TOWN: 3.15 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TOWN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.57  Med: 3.17 Max: 4.23
Current: 3.15
0.57
4.23
3-Year Average Share Buyback Ratio -6.00
TOWN's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. TOWN: -6.00 )
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: -14  Med: -5.30 Max: 5.1
Current: -6
-14
5.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.77
TOWN's Price/Tangible Book is ranked lower than
80% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. TOWN: 1.77 )
Ranked among companies with meaningful Price/Tangible Book only.
TOWN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.9  Med: 1.84 Max: 5.5
Current: 1.77
0.9
5.5
Price/Projected FCF 1.38
TOWN's Price/Projected FCF is ranked lower than
90% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. TOWN: 1.38 )
Ranked among companies with meaningful Price/Projected FCF only.
TOWN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.56  Med: 0.91 Max: 2.24
Current: 1.38
0.56
2.24
Price/DCF (Earnings Based) 1.64
TOWN's Price/DCF (Earnings Based) is ranked lower than
93% of the 105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. TOWN: 1.64 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.45
TOWN's Price/Median PS Value is ranked lower than
88% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. TOWN: 1.45 )
Ranked among companies with meaningful Price/Median PS Value only.
TOWN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.4  Med: 1.05 Max: 7.82
Current: 1.45
0.4
7.82
Price/Peter Lynch Fair Value 3.31
TOWN's Price/Peter Lynch Fair Value is ranked lower than
98% of the 423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. TOWN: 3.31 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TOWN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.76  Med: 1.70 Max: 4.03
Current: 3.31
0.76
4.03
Price/Graham Number 1.20
TOWN's Price/Graham Number is ranked lower than
80% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. TOWN: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
TOWN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.77  Med: 1.18 Max: 3.74
Current: 1.2
0.77
3.74
Earnings Yield (Greenblatt) (%) 6.70
TOWN's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. TOWN: 6.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TOWN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 6.40 Max: 16
Current: 6.7
1.6
16
Forward Rate of Return (Yacktman) (%) 9.01
TOWN's Forward Rate of Return (Yacktman) (%) is ranked lower than
60% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. TOWN: 9.01 )
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: -6.3  Med: 10.50 Max: 59.7
Current: 9.01
-6.3
59.7

More Statistics

Revenue (TTM) (Mil) $285.9
EPS (TTM) $ 1.18
Beta1.01
Short Percentage of Float3.60%
52-Week Range $16.00 - 22.75
Shares Outstanding (Mil)51.67
» More Articles for TOWN

Headlines

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More From Other Websites
TowneBank Completes Merger With Monarch Financial Holdings, Inc. Jun 27 2016
TowneBank Completes Merger With Monarch Financial Holdings, Inc. Jun 27 2016
Stockholders Approve TowneBank Merger With Monarch Financial Holdings, Inc. and Monarch Bank Jun 21 2016
Stockholders Approve TowneBank Merger With Monarch Bank and Monarch Financial Holdings, Inc. Jun 21 2016
Stockholders Approve TowneBank Merger With Monarch Financial Holdings, Inc. and Monarch Bank Jun 21 2016
TowneBank breached its 50 day moving average in a Bearish Manner : TOWN-US : June 20, 2016 Jun 20 2016
TowneBank Announces Quarterly Cash Dividend May 18 2016
TowneBank Announces Quarterly Cash Dividend May 18 2016
TowneBank and Monarch Financial Holdings, Inc. Receive Regulatory Approvals for Merger May 17 2016
TowneBank and Monarch Financial Holdings, Inc. Receive Regulatory Approvals for Merger May 17 2016
Monarch Financial Holdings, Inc. and TowneBank Receive Regulatory Approvals for Merger May 17 2016
Monarch Financial Holdings, Inc. and TowneBank Receive Regulatory Approvals for Merger May 16 2016
TowneBank :TOWN-US: Earnings Analysis: Q1, 2016 By the Numbers May 03 2016
TowneBank posts 1Q profit Apr 28 2016
TowneBank posts 1Q profit Apr 28 2016
TowneBank Reports Record First Quarter Earnings Apr 28 2016
TowneBank Reports Record First Quarter Earnings Apr 28 2016
TowneBank breached its 50 day moving average in a Bullish Manner : TOWN-US : March 14, 2016 Mar 14 2016
Towne Is a Banking Beauty Feb 05 2016
Towne Bank (TOWN) is Oversold: Can It Recover? Feb 04 2016

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