TOWN (Towne Bank) E10: $2.41 (As of Mar. 2026)


TOWN Towne Bank TOWN
63 GF Score
Price $35.99
GF Value $36.96
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Towne Bank E10?

Towne Bank TOWN +1.21% 63 E10 is $2.41 as of Mar. 2026. GuruFocus rates TOWN with a GF Score™ of 63/100 and a GF Value™ of $36.96 (Fairly Valued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Towne Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.450. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.41 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Towne Bank's average E10 Growth Rate was 4.30% per year. During the past 3 years, the average E10 Growth Rate was 5.50% per year. During the past 5 years, the average E10 Growth Rate was 9.60% per year. During the past 10 years, the average E10 Growth Rate was 10.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Towne Bank was 14.90% per year. The lowest was 4.70% per year. And the median was 8.80% per year.

As of today (2026-06-25), Towne Bank's current stock price is $35.99. Towne Bank's E10 for the quarter that ended in Mar. 2026 was $2.41. Towne Bank's Shiller PE Ratio of today is 14.93.

During the past 13 years, the highest Shiller PE Ratio of Towne Bank was 33.43. The lowest was 10.25. And the median was 16.49.


Towne Bank  (NAS:TOWN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Towne Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=35.99/2.41
=14.93

* 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 Shiller P/E Ratio of Towne Bank was 33.43. The lowest was 10.25. And the median was 16.49.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Towne Bank E10 Related Terms


Towne Bank E10 Historical Data

* Premium members only.

The historical data trend for Towne Bank's E10 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 E10 Chart

Towne Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.78 2.02 2.14 2.26 2.37

Towne Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 2.31 2.33 2.36 2.37 2.41

TOWN vs SFNC, PRK, BOH: E10 Comparison

For the Banks - Regional subindustry, Towne Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Towne Bank's Shiller PE Ratio falls into.


TOWN
63GF Score
Towne Bank TOWN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Towne Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.45/330.2130*330.2130
=0.450

Current CPI (Mar. 2026) = 330.2130.

Towne Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.120 241.018 0.164
201609 0.390 241.428 0.533
201612 0.300 241.432 0.410
201703 0.350 243.801 0.474
201706 0.420 244.955 0.566
201709 0.440 246.819 0.589
201712 0.200 246.524 0.268
201803 0.360 249.554 0.476
201806 0.480 251.989 0.629
201809 0.530 252.439 0.693
201812 0.500 251.233 0.657
201903 0.440 254.202 0.572
201906 0.480 256.143 0.619
201909 0.520 256.759 0.669
201912 0.480 256.974 0.617
202003 0.360 258.115 0.461
202006 0.480 257.797 0.615
202009 0.480 260.280 0.609
202012 0.690 260.474 0.875
202103 0.950 264.877 1.184
202106 0.770 271.696 0.936
202109 0.690 274.310 0.831
202112 0.550 278.802 0.651
202203 0.630 287.504 0.724
202206 0.640 296.311 0.713
202209 0.690 296.808 0.768
202212 0.640 296.797 0.712
202303 0.520 301.836 0.569
202306 0.560 305.109 0.606
202309 0.600 307.789 0.644
202312 0.380 306.746 0.409
202403 0.460 312.332 0.486
202406 0.570 314.175 0.599
202409 0.570 315.301 0.597
202412 0.540 315.605 0.565
202503 0.580 319.799 0.599
202506 0.510 322.561 0.522
202509 0.510 324.800 0.518
202512 0.520 324.054 0.530
202603 0.450 330.213 0.450

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.41 mean?
Towne Bank (TOWN) has a E10 of $2.41 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Towne Bank and its competitors.
Is Towne Bank's E10 too high?
Towne Bank's current E10 is $2.41. Overall, Towne Bank has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Towne Bank's E10 compare to SFNC and PRK?
Towne Bank's E10 of $2.41 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Towne Bank and its competitors. Towne Bank's current E10 is $2.41. 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 $36.96, compared to a current price of $35.99 — trading 2.6% below its estimated fair value. The current E10 is $2.41. Towne Bank's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Towne Bank (TOWN), the current E10 is $2.41 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 undervalued. The current stock price of $35.99 is trading 2.6% below its estimated GF Value™ of $36.96. GuruFocus considers Towne Bank to be Fairly Valued.

Key valuation signals for TOWN:

  • E10: $2.41
  • GF Value™: $36.96 vs. price of $35.99 (2.6% below fair value)
  • GF Score™: 63/100 with 2 warning signs

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 Business Description

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.
63GF Score

Get the complete analysis for TOWN

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.99
Price
$36.96
GF Value