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Towne BankTOWN +0.22%63 Net Debt Paydown Yield % is -2.91% as of Jul. 14, 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. Among 1,421 Banks companies, Towne Bank ranks worse than 56.93% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Towne Bank's Net Debt Paydown Yield % was -2.91%.
Towne Bank (NAS:TOWN) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Towne Bank Net Debt Paydown Yield % Historical Data
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The historical data trend for Towne Bank's Net Debt Paydown 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.
TOWN vs SFNC, PRK, SBCF: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Towne Bank's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Towne Bank's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Towne Bank's Net Debt Paydown 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -2.91% mean?
Towne Bank (TOWN) has a Net Debt Paydown Yield % of -2.91% as of Jul. 14, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Towne Bank and its competitors. According to the industry distribution chart, Towne Bank ranks #809 out of 1421 companies in the Banks industry, placing it in the top 56.9%.
Is Towne Bank's Net Debt Paydown Yield % too high?
Towne Bank's current Net Debt Paydown Yield % is -2.91%. Based on the distribution chart, Towne Bank ranks #809 out of 1421 companies in the Banks industry, which is below the industry midpoint. 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 Net Debt Paydown Yield % compare to SFNC and PRK?
According to the Banks industry distribution chart, Towne Bank ranks #809 out of 1421 companies for Net Debt Paydown Yield %. This places Towne Bank in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Towne Bank and its competitors. Towne Bank's current Net Debt Paydown Yield % is -2.91%. 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 $35.93 — trading 3% below its estimated fair value. The current Net Debt Paydown Yield % is -2.91%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Towne Bank (TOWN), the current Net Debt Paydown Yield % is -2.91% as of Jul. 14, 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 $35.93 is trading 3% below its estimated GF Value™ of $37.06.
GuruFocus considers Towne Bank to be Fairly Valued.
Key valuation signals for TOWN:
Net Debt Paydown Yield %: -2.91%
GF Value™: $37.06 vs. price of $35.93 (3% below fair value)
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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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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