Tower (XPTY:TOWC) E10: $0.47 (As of Mar. 2026)


XPTY:TOWC Tower Corp XPTY:TOWC
79 GF Score
Price $9.25
GF Value $12.19
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Tower E10?

Tower XPTY:TOWC 79 E10 is $0.47 as of Mar. 2026. GuruFocus rates XPTY:TOWC with a GF Score™ of 79/100 and a GF Value™ of $12.19 (Modestly Undervalued). The stock has 5 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.

Tower's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.012. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.47 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Tower's average E10 Growth Rate was -14.50% 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.

As of today (2026-07-02), Tower's current stock price is $9.25. Tower's E10 for the quarter that ended in Mar. 2026 was $0.47. Tower's Shiller PE Ratio of today is 19.68.

During the past 13 years, the highest Shiller PE Ratio of Tower was 19.68. The lowest was 10.00. And the median was 17.13.


Tower  (XPTY:TOWC) 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.

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

Shiller PE Ratio=Share Price/E10
=9.25/0.47
=19.68

* 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 Tower was 19.68. The lowest was 10.00. And the median was 17.13.


Be Aware

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


Tower E10 Related Terms


Tower E10 Historical Data

* Premium members only.

The historical data trend for Tower'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.

Tower E10 Chart

Tower 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 0.00 0.00 0.59 0.55 0.49

Tower 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 0.55 0.55 0.54 0.49 0.47

XPTY:TOWC vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Tower'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.


Tower Shiller PE Ratio vs Banks Industry

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

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


XPTY:TOWC
79GF Score
Tower Corp XPTY:TOWC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Tower 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, Tower'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)
=0.012/330.2130*330.2130
=0.012

Current CPI (Mar. 2026) = 330.2130.

Tower Quarterly Data

per share eps CPI Adj_EPS
201606 0.158 241.018 0.216
201609 0.144 241.428 0.197
201612 0.142 241.432 0.194
201703 0.122 243.801 0.165
201706 0.191 244.955 0.257
201709 0.129 246.819 0.173
201712 0.172 246.524 0.230
201803 0.137 249.554 0.181
201806 0.128 251.989 0.168
201809 0.210 252.439 0.275
201812 0.192 251.233 0.252
201903 0.176 254.202 0.229
201906 0.094 256.143 0.121
201909 0.115 256.759 0.148
201912 0.172 256.974 0.221
202003 0.081 258.115 0.104
202006 0.053 257.797 0.068
202009 0.021 260.280 0.027
202012 0.058 260.474 0.074
202103 0.054 264.877 0.067
202106 0.035 271.696 0.043
202109 0.070 274.310 0.084
202112 0.081 278.802 0.096
202203 0.059 287.504 0.068
202206 0.030 296.311 0.033
202209 0.074 296.808 0.082
202212 -0.019 296.797 -0.021
202303 0.082 301.836 0.090
202306 0.087 305.109 0.094
202309 0.110 307.789 0.118
202312 0.089 306.746 0.096
202403 0.110 312.332 0.116
202406 0.060 314.175 0.063
202409 0.038 315.301 0.040
202412 0.114 315.605 0.119
202503 0.046 319.799 0.047
202506 0.135 322.561 0.138
202509 0.093 324.800 0.095
202512 -0.046 324.054 -0.047
202603 0.012 330.213 0.012

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 $0.47 mean?
Tower (XPTY:TOWC) has a E10 of $0.47 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Tower and its competitors.
Is Tower's E10 too high?
Tower's current E10 is $0.47. Overall, Tower has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tower's E10 compare to PNC and USB?
Tower's E10 of $0.47 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 Tower and its competitors. Tower's current E10 is $0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tower stock overvalued right now?
Based on GuruFocus' analysis, Tower (XPTY:TOWC) is currently considered Modestly Undervalued. The stock's GF Value™ is $12.19, compared to a current price of $9.25 — trading 24.1% below its estimated fair value. The current E10 is $0.47. Tower's overall GF Score™ is 79/100 with 5 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 Tower (XPTY:TOWC), the current E10 is $0.47 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 Tower (XPTY:TOWC) Overvalued in 2026?

Based on GuruFocus' analysis, Tower stock appears to be undervalued. The current stock price of $9.25 is trading 24.1% below its estimated GF Value™ of $12.19. GuruFocus considers Tower to be Modestly Undervalued.

Key valuation signals for XPTY:TOWC:

  • E10: $0.47
  • GF Value™: $12.19 vs. price of $9.25 (24.1% below fair value)
  • GF Score™: 79/100 with 5 warning signs

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


Tower Business Description

Address Calle 50 and Elvira Mendez, Tower Building Financial Center, Panama, PAN
Tower Corp together with its subsidiaries is involved in providing personal, corporate, and investment banking services. The company offers checking, savings, and investment accounts; certificates of deposit; commercial and residential mortgage loans; lines of credit for small and medium businesses; and safe deposit boxes and other services.
79GF Score

Get the complete analysis for XPTY:TOWC

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

$9.25
Price
$12.19
GF Value