Towne BankTOWN -0.82%63 EV-to-FCF is 17.58 as of Jul. 02, 2026, which is 104% above its 10-year median of 8.63. GuruFocus rates TOWN with a GF Score™ of 63/100 and a GF Value™ of $37.00 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,193 Banks companies, Towne Bank ranks worse than 79.88% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Towne Bank's Enterprise Value is $2,248.7 Mil.
Towne Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $127.9 Mil. Therefore, Towne Bank's EV-to-FCF for today is 17.58.
The historical rank and industry rank for Towne Bank's EV-to-FCF or its related term are showing as below:
TOWN'
s EV-to-FCF Range Over the Past 10 Years
Min: -87.75 Med: 8.63 Max: 66.23
Current: 17.58
During the past 13 years, the highest EV-to-FCF of Towne Bank was 66.23. The lowest was -87.75. And the median was 8.63.
TOWN's EV-to-FCF is ranked worse than 79.88% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs TOWN: 17.58
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Towne Bank's share price for today is $36.39.
Towne Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.990.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Towne Bank EV-to-FCF Related Terms
Towne Bank EV-to-FCF Historical Data
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The historical data trend for Towne Bank's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Towne Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Towne Bank's EV-to-FCF falls into.
Towne Bank's current Enterprise Value is $2,248.7 Mil.
Towne Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $127.9 Mil.
* 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 EV-to-FCF of 17.58 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Towne Bank and its competitors. This is 104% above median its historical median of 8.63. According to the industry distribution chart, Towne Bank ranks #953 out of 1193 companies in the Banks industry, placing it in the top 79.9%.
Is Towne Bank's EV-to-FCF too high?
Towne Bank's current EV-to-FCF of 17.58 is 104% above median its 10-year median of 8.63. The Banks industry median EV-to-FCF is 6.65. Towne Bank's value of 17.58 is 164.4% above this industry median. Based on the distribution chart, Towne Bank ranks #953 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to SFNC and PRK?
According to the Banks industry distribution chart, Towne Bank ranks #953 out of 1193 companies for EV-to-FCF. This places Towne Bank in the lower half of its industry. The industry median EV-to-FCF is 6.65. Towne Bank's value of 17.58 is 164.4% above this benchmark. While the company's 10-year median is 8.63 vs. the industry median of 6.65, Towne Bank has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.65, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Towne Bank's current EV-to-FCF of 17.58 is 164.4% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Towne Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Towne Bank's current EV-to-FCF is 17.58, which is 104% above median its own 10-year median of 8.63. 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 $37.00, compared to a current price of $36.39 — trading 1.6% below its estimated fair value. The current EV-to-FCF is 17.58, which is 104% above median its 10-year median of 8.63 and 164.4% above the Banks industry median of 6.65. Towne Bank's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Towne Bank (TOWN), the current EV-to-FCF is 17.58 as of Jul. 02, 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 $36.39 is trading 1.6% below its estimated GF Value™ of $37.00.
GuruFocus considers Towne Bank to be Fairly Valued.
Key valuation signals for TOWN:
EV-to-FCF: 17.58 (104% above median its 10-year median of 8.63)
GF Value™: $37.00 vs. price of $36.39 (1.6% below fair value)
Industry Position: 164.4% above the Banks median (#953 of 1193)
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.
63GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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