TOWN (Towne Bank) Long-Term Debt: $481.5 Mil (As of Mar. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TOWN Towne Bank TOWN
63 GF Score
Price $35.85
GF Value $37.06
Valuation Fairly Valued
! 2 Warning Signs
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What is Towne Bank Long-Term Debt?

Towne Bank TOWN +0.14% 63 Long-Term Debt is $481.5 Mil as of Mar. 2026. GuruFocus rates TOWN with a GF Score™ of 63/100 and a GF Value™ of $37.06 (Fairly Valued). The stock has 2 warning signs investors should review.

Towne Bank's Long-Term Debt for the quarter that ended in Mar. 2026 was $481.5 Mil.

Towne Bank's quarterly Long-Term Debt declined from Sep. 2025 ($336.5 Mil) to Dec. 2025 ($336.3 Mil) but then increased from Dec. 2025 ($336.3 Mil) to Mar. 2026 ($481.5 Mil).

Towne Bank's annual Long-Term Debt declined from Dec. 2023 ($459.8 Mil) to Dec. 2024 ($263.2 Mil) but then increased from Dec. 2024 ($263.2 Mil) to Dec. 2025 ($336.3 Mil).

Towne Bank  (NAS:TOWN) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Towne Bank Long-Term Debt Related Terms

Towne Bank Long-Term Debt Historical Data

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The historical data trend for Towne Bank's Long-Term Debt 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 Long-Term Debt Chart

Towne Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 405.02 277.09 459.75 263.22 336.32

Towne Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 263.23 273.27 336.49 336.32 481.49
TOWN
63GF Score
Towne Bank TOWN
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $481.5 Mil mean?
Towne Bank (TOWN) has a Long-Term Debt of $481.5 Mil as of Mar. 2026.
Is Towne Bank's Long-Term Debt too high?
Towne Bank's current Long-Term Debt is $481.5 Mil. 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 Long-Term Debt compare to SFNC and PRK?
Towne Bank's Long-Term Debt of $481.5 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Towne Bank's current Long-Term Debt is $481.5 Mil. 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 $37.06, compared to a current price of $35.85 — trading 3.3% below its estimated fair value. The current Long-Term Debt is $481.5 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Towne Bank (TOWN), the current Long-Term Debt is $481.5 Mil 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 $35.85 is trading 3.3% below its estimated GF Value™ of $37.06. GuruFocus considers Towne Bank to be Fairly Valued.

Key valuation signals for TOWN:

  • Long-Term Debt: $481.5 Mil
  • GF Value™: $37.06 vs. price of $35.85 (3.3% 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

Other Exchanges 3T8:Germany
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

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

$35.85
Price
$37.06
GF Value