Towne Bank (FRA:3T8) Cyclically Adjusted Revenue per Share: €8.91 (As of Mar. 2026)

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FRA:3T8 Towne Bank FRA:3T8
67 GF Score
Price €32.00
GF Value €32.12
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Towne Bank Cyclically Adjusted Revenue per Share?

Towne Bank FRA:3T8 +1.91% 67 Cyclically Adjusted Revenue per Share is €8.91 as of Mar. 2026. GuruFocus rates FRA:3T8 with a GF Score™ of 67/100 and a GF Value™ of €32.12 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Towne Bank's adjusted revenue per share for the three months ended in Mar. 2026 was €2.348. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €8.91 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Towne Bank's average Cyclically Adjusted Revenue Growth Rate was 6.30% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.00% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 5.10% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 5.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Towne Bank was 12.50% per year. The lowest was 4.00% per year. And the median was 4.70% per year.

As of today (2026-07-27), Towne Bank's current stock price is €32.00. Towne Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €8.91. Towne Bank's Cyclically Adjusted PS Ratio of today is 3.59.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Towne Bank was 5.21. The lowest was 2.12. And the median was 3.59.


Towne Bank  (FRA:3T8) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Towne Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=32.00/8.91
=3.59

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Towne Bank was 5.21. The lowest was 2.12. And the median was 3.59.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Towne Bank Cyclically Adjusted Revenue per Share Related Terms


Towne Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Towne Bank's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Towne Bank Cyclically Adjusted Revenue per Share Chart

Towne Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.41 8.38 8.47 9.14 8.53

Towne Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.94 8.44 8.52 8.53 8.91

FRA:3T8 vs SFNC, BOH, BKU: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Towne Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Towne Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Towne Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Towne Bank's Cyclically Adjusted PS Ratio falls into.


FRA:3T8
67GF Score
Towne Bank FRA:3T8
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Towne Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Towne Bank's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.348/330.2130*330.2130
=2.348

Current CPI (Mar. 2026) = 330.2130.

Towne Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.439 241.018 1.972
201609 1.571 241.428 2.149
201612 1.540 241.432 2.106
201703 1.579 243.801 2.139
201706 1.707 244.955 2.301
201709 1.551 246.819 2.075
201712 1.465 246.524 1.962
201803 1.481 249.554 1.960
201806 1.631 251.989 2.137
201809 1.641 252.439 2.147
201812 1.595 251.233 2.096
201903 1.633 254.202 2.121
201906 1.773 256.143 2.286
201909 1.834 256.759 2.359
201912 1.730 256.974 2.223
202003 1.724 258.115 2.206
202006 1.997 257.797 2.558
202009 2.254 260.280 2.860
202012 1.926 260.474 2.442
202103 2.114 264.877 2.635
202106 1.914 271.696 2.326
202109 1.979 274.310 2.382
202112 1.941 278.802 2.299
202203 2.070 287.504 2.378
202206 2.177 296.311 2.426
202209 2.494 296.808 2.775
202212 2.272 296.797 2.528
202303 2.312 301.836 2.529
202306 2.243 305.109 2.428
202309 2.166 307.789 2.324
202312 1.910 306.746 2.056
202403 2.050 312.332 2.167
202406 2.166 314.175 2.277
202409 2.093 315.301 2.192
202412 2.218 315.605 2.321
202503 2.242 319.799 2.315
202506 2.381 322.561 2.437
202509 2.394 324.800 2.434
202512 2.358 324.054 2.403
202603 2.348 330.213 2.348

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €8.91 mean?
Towne Bank (FRA:3T8) has a Cyclically Adjusted Revenue per Share of €8.91 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Towne Bank and its competitors.
Is Towne Bank's Cyclically Adjusted Revenue per Share too high?
Towne Bank's current Cyclically Adjusted Revenue per Share is €8.91. Overall, Towne Bank has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Towne Bank's Cyclically Adjusted Revenue per Share compare to SFNC and BOH?
Towne Bank's Cyclically Adjusted Revenue per Share of €8.91 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Towne Bank and its competitors. Towne Bank's current Cyclically Adjusted Revenue per Share is €8.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Towne Bank stock overvalued right now?
Based on GuruFocus' analysis, Towne Bank (FRA:3T8) is currently considered Fairly Valued. The stock's GF Value™ is €32.12, compared to a current price of €32.00 — trading 0.4% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is €8.91. Towne Bank's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Towne Bank (FRA:3T8), the current Cyclically Adjusted Revenue per Share is €8.91 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Towne Bank (FRA:3T8) Overvalued in 2026?

Based on GuruFocus' analysis, Towne Bank stock appears to be undervalued. The current stock price of €32.00 is trading 0.4% below its estimated GF Value™ of €32.12. GuruFocus considers Towne Bank to be Fairly Valued.

Key valuation signals for FRA:3T8:

  • Cyclically Adjusted Revenue per Share: €8.91
  • GF Value™: €32.12 vs. price of €32.00 (0.4% below fair value)
  • GF Score™: 67/100 with 3 warning signs

No single metric tells the full story. See the FRA:3T8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Towne Bank Business Description

Other Exchanges TOWN:USA
Address 5716 High Street, Portsmouth, VA, USA, 23703
Towne Bank is a financial services company serving individuals, commercial enterprises and professionals, offering retail and commercial banking services in Virginia and North Carolina. The company has four reportable segments: Banking, which provides loan and deposit services, commercial mortgage brokerage, and investment and asset management services; Mortgage, which originates mortgage loans principally sold in the secondary market through purchase commitments from investors; Resort Vacation Management, which provides residential resort property management services; and Insurance, which provides property, casualty, life and health insurance solutions for businesses, individuals and community organizations through a variety of carriers.
67GF Score

Get the complete analysis for FRA:3T8

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€32.00
Price
€32.12
GF Value