TOWN (Towne Bank) Moat Score: 4/10 (As of Jul. 02, 2026)


TOWN Towne Bank TOWN
63 GF Score
Price $36.45
GF Value $37.00
Valuation Fairly Valued
! 3 Warning Signs
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What is Towne Bank Moat Score?

Towne Bank TOWN -0.65% 63 Moat Score is 4 as of Jul. 02, 2026. 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 1,612 Banks companies, Towne Bank ranks better than 86.23% on this metric.

Towne Bank has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Towne Bank has Narrow Moat: Towne Bank has a discernible but modest moat with a strong regional presence and customer loyalty. It benefits from some economies of scale but lacks significant regulatory barriers and intellectual property.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Towne Bank might have Narrow Moat - Discernible but modest moat.

Towne Bank  (NAS:TOWN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Towne Bank Moat Score Related Terms

TOWN vs SFNC, PRK, SBCF: Moat Score Comparison

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

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

* The bar in red indicates where Towne Bank's Moat Score falls into.


TOWN
63GF Score
Towne Bank TOWN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Towne Bank (TOWN) has a Moat Score of 4 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Towne Bank ranks #222 out of 1612 companies in the Banks industry, placing it in the top 13.8%.
Is Towne Bank's Moat Score too high?
Towne Bank's current Moat Score is 4. Based on the distribution chart, Towne Bank ranks #222 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position 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 Moat Score compare to SFNC and PRK?
According to the Banks industry distribution chart, Towne Bank ranks #222 out of 1612 companies for Moat Score. This places Towne Bank in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Towne Bank's current Moat Score is 4. 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 $36.45 — trading 1.5% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Towne Bank (TOWN), the current Moat Score is 4 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 $36.45 is trading 1.5% below its estimated GF Value™ of $37.00. GuruFocus considers Towne Bank to be Fairly Valued.

Key valuation signals for TOWN:

  • Moat Score: 4
  • GF Value™: $37.00 vs. price of $36.45 (1.5% below fair value)
  • GF Score™: 63/100 with 3 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.45
Price
$37.00
GF Value