Towne BankTOWN +0.61%65 FCF Yield % is 3.85 as of Jun. 27, 2026, which is 49% below its 10-year median of 7.57. GuruFocus rates TOWN with a GF Score™ of 65/100 and a GF Value™ of $36.97 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Towne Bank ranks worse than 65.65% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Towne Bank FCF Yield % Related Terms
Towne Bank FCF Yield % Historical Data
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The historical data trend for Towne Bank's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Towne Bank's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Towne Bank's FCF Yield % 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 FCF Yield % of 3.85 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Towne Bank and its competitors. This is 49% below median its historical median of 7.57. According to the industry distribution chart, Towne Bank ranks #988 out of 1505 companies in the Banks industry, placing it in the top 65.6%.
Is Towne Bank's FCF Yield % too high?
Towne Bank's current FCF Yield % of 3.85 is 49% below median its 10-year median of 7.57. The Banks industry median FCF Yield % is 8.20. Towne Bank's value of 3.85 is 53% below this industry median. Based on the distribution chart, Towne Bank ranks #988 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Towne Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Towne Bank's FCF Yield % compare to SFNC and PRK?
According to the Banks industry distribution chart, Towne Bank ranks #988 out of 1505 companies for FCF Yield %. This places Towne Bank in the lower half of its industry. The industry median FCF Yield % is 8.20. Towne Bank's value of 3.85 is 53% below this benchmark. While the company's 10-year median is 7.57 vs. the industry median of 8.20, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Towne Bank's current FCF Yield % of 3.85 is 53% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Towne Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Towne Bank's current FCF Yield % is 3.85, which is 49% below median its own 10-year median of 7.57. 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 $36.97, compared to a current price of $36.36 — trading 1.6% below its estimated fair value. The current FCF Yield % is 3.85, which is 49% below median its 10-year median of 7.57 and 53% below the Banks industry median of 8.20. Towne Bank's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Towne Bank (TOWN), the current FCF Yield % is 3.85 as of Jun. 27, 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 $36.36 is trading 1.6% below its estimated GF Value™ of $36.97.
GuruFocus considers Towne Bank to be Fairly Valued.
Key valuation signals for TOWN:
FCF Yield %: 3.85 (49% below median its 10-year median of 7.57)
GF Value™: $36.97 vs. price of $36.36 (1.6% below fair value)
Industry Position: 53% below the Banks median (#988 of 1505)
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.
65GF Score
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