Towne BankTOWN +0.14%63 OCF Margin % is 16.41% as of Mar. 2026, which is 48% below its 10-year median of 31.41. GuruFocus rates TOWN with a GF Score™ of 63/100 and a GF Value™ of $36.96 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,500 Banks companies, Towne Bank ranks worse than 63% on this metric.
The historical rank and industry rank for Towne Bank's OCF Margin % or its related term are showing as below:
TOWN'
s OCF Margin % Range Over the Past 10 Years
Min: 1.83 Med: 31.41 Max: 76.41
Current: 20.27
During the past 13 years, the highest OCF Margin % of Towne Bank was 76.41%. The lowest was 1.83%. And the median was 31.41%.
TOWN's OCF Margin % is ranked worse than 63% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs TOWN: 20.27
Towne Bank OCF Margin % Related Terms
Towne Bank OCF Margin % Historical Data
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The historical data trend for Towne Bank's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Towne Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Towne Bank's OCF Margin % 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 OCF Margin % of 16.41% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Towne Bank and its competitors. This is 48% below median its historical median of 31.41. Over the past decade, Towne Bank's OCF Margin % has ranged from 1.83 to 76.41. According to the industry distribution chart, Towne Bank ranks #945 out of 1500 companies in the Banks industry, placing it in the top 63%.
Is Towne Bank's OCF Margin % too high?
Towne Bank's current OCF Margin % of 16.41% is 48% below median its 10-year median of 31.41. Over the past 10 years, this metric has ranged from a low of 1.83 to a high of 76.41. The Banks industry median OCF Margin % is 29.44. Towne Bank's value of 16.41% is 44.3% below this industry median. Based on the distribution chart, Towne Bank ranks #945 out of 1500 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 OCF Margin % compare to SFNC and PRK?
According to the Banks industry distribution chart, Towne Bank ranks #945 out of 1500 companies for OCF Margin %. This places Towne Bank in the lower half of its industry. The industry median OCF Margin % is 29.44. Towne Bank's value of 16.41% is 44.3% below this benchmark. Historically, Towne Bank's own OCF Margin % has ranged from 1.83 to 76.41 over the past decade. While the company's 10-year median is 31.41 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Towne Bank's current OCF Margin % of 16.41% is 44.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Towne Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Towne Bank's current OCF Margin % is 16.41%, which is 48% below median its own 10-year median of 31.41. 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 $36.96, compared to a current price of $36.04 — trading 2.5% below its estimated fair value. The current OCF Margin % is 16.41%, which is 48% below median its 10-year median of 31.41 and 44.3% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Towne Bank (TOWN), the current OCF Margin % is 16.41% 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 $36.04 is trading 2.5% below its estimated GF Value™ of $36.96.
GuruFocus considers Towne Bank to be Fairly Valued.
Key valuation signals for TOWN:
OCF Margin %: 16.41% (48% below median its 10-year median of 31.41)
GF Value™: $36.96 vs. price of $36.04 (2.5% below fair value)
Industry Position: 44.3% below the Banks median (#945 of 1500)
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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