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Towne BankTOWN -0.11%64 Debt-to-Equity is 0.17 as of Mar. 2026, which is 56% below its 10-year median of 0.39. GuruFocus rates TOWN with a GF Score™ of 64/100 and a GF Value™ of $36.34 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,419 Banks companies, Towne Bank ranks better than 80.9% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Towne Bank's Debt-to-Equity or its related term are showing as below:
TOWN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.39 Max: 0.79
Current: 0.17
During the past 13 years, the highest Debt-to-Equity Ratio of Towne Bank was 0.79. The lowest was 0.12. And the median was 0.39.
TOWN's Debt-to-Equity is ranked better than 80.9% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs TOWN: 0.17
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Towne Bank Debt-to-Equity Related Terms
Towne Bank Debt-to-Equity Historical Data
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The historical data trend for Towne Bank's Debt-to-Equity 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.
For the Banks - Regional subindustry, Towne Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Towne Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Towne Bank's Debt-to-Equity falls into.
* 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 (TOWN) has a Debt-to-Equity of 0.17 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Towne Bank and its competitors. This is 56% below median its historical median of 0.39. Over the past decade, Towne Bank's Debt-to-Equity has ranged from 0.12 to 0.79. According to the industry distribution chart, Towne Bank ranks #271 out of 1419 companies in the Banks industry, placing it in the top 19.1%.
Is Towne Bank's Debt-to-Equity too high?
Towne Bank's current Debt-to-Equity of 0.17 is 56% below median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.79. The Banks industry median Debt-to-Equity is 0.58. Towne Bank's value of 0.17 is 70.7% below this industry median. Based on the distribution chart, Towne Bank ranks #271 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Towne Bank has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Towne Bank's Debt-to-Equity compare to SFNC and BOH?
According to the Banks industry distribution chart, Towne Bank ranks #271 out of 1419 companies for Debt-to-Equity. This places Towne Bank in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Towne Bank's value of 0.17 is 70.7% below this benchmark. Historically, Towne Bank's own Debt-to-Equity has ranged from 0.12 to 0.79 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 0.58, Towne Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Towne Bank's current Debt-to-Equity of 0.17 is 70.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Towne Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Towne Bank's current Debt-to-Equity is 0.17, which is 56% below median its own 10-year median of 0.39. 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 (TOWN) is currently considered Fairly Valued. The stock's GF Value™ is $36.34, compared to a current price of $37.61 — trading 3.5% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 56% below median its 10-year median of 0.39 and 70.7% below the Banks industry median of 0.58. Towne Bank's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Towne Bank (TOWN), the current Debt-to-Equity is 0.17 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 (TOWN) Overvalued in 2026?
Based on GuruFocus' analysis, Towne Bank stock appears to be overvalued.
The current stock price of $37.61 is trading 3.5% above its estimated GF Value™ of $36.34.
GuruFocus considers Towne Bank to be Fairly Valued.
Key valuation signals for TOWN:
Debt-to-Equity: 0.17 (56% below median its 10-year median of 0.39)
GF Value™: $36.34 vs. price of $37.61 (3.5% above fair value)
Industry Position: 70.7% below the Banks median (#271 of 1419)
No single metric tells the full story. See the TOWN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
64GF Score
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