Towne BankTOWN +0.39%63 PB Ratio is 1.14 as of Jun. 25, 2026, which is 5% below its 10-year median of 1.20. 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 1,515 Banks companies, Towne Bank ranks worse than 53.86% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), Towne Bank's share price is $36.13. Towne Bank's Book Value per Share for the quarter that ended in Mar. 2026 was $31.68. Hence, Towne Bank's PB Ratio of today is 1.14.
The historical rank and industry rank for Towne Bank's PB Ratio or its related term are showing as below:
TOWN'
s PB Ratio Range Over the Past 10 Years
Min: 0.68 Med: 1.2 Max: 1.99
Current: 1.14
During the past 13 years, Towne Bank's highest PB Ratio was 1.99. The lowest was 0.68. And the median was 1.20.
TOWN's PB Ratio is ranked worse than 53.86% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs TOWN: 1.14
During the past 12 months, Towne Bank's average Book Value Per Share Growth Rate was 7.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Towne Bank was 74.90% per year. The lowest was -7.90% per year. And the median was 7.50% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Towne Bank PB Ratio Related Terms
Towne Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Towne Bank's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Towne Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Towne Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Towne Bank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Towne Bank (TOWN) has a PB Ratio of 1.14 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Towne Bank and its competitors. This is near median its historical median of 1.20. Over the past decade, Towne Bank's PB Ratio has ranged from 0.68 to 1.99. According to the industry distribution chart, Towne Bank ranks #816 out of 1515 companies in the Banks industry, placing it in the top 53.9%.
Is Towne Bank's PB Ratio too high?
Towne Bank's current PB Ratio of 1.14 is near median its 10-year median of 1.20. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 1.99. The Banks industry median PB Ratio is 1.08. Towne Bank's value of 1.14 is 5.6% above this industry median. Based on the distribution chart, Towne Bank ranks #816 out of 1515 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 PB Ratio compare to SFNC and PRK?
According to the Banks industry distribution chart, Towne Bank ranks #816 out of 1515 companies for PB Ratio. This places Towne Bank in the lower half of its industry. The industry median PB Ratio is 1.08. Towne Bank's value of 1.14 is 5.6% above this benchmark. Historically, Towne Bank's own PB Ratio has ranged from 0.68 to 1.99 over the past decade. While the company's 10-year median is 1.20 vs. the industry median of 1.08, Towne Bank has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Towne Bank's current PB Ratio of 1.14 is 5.6% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Towne Bank and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Towne Bank's current PB Ratio is 1.14, which is near median its own 10-year median of 1.20. 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 $36.13 — trading 2.2% below its estimated fair value. The current PB Ratio is 1.14, which is near median its 10-year median of 1.20 and 5.6% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Towne Bank (TOWN), the current PB Ratio is 1.14 as of Jun. 25, 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 $36.13 is trading 2.2% below its estimated GF Value™ of $36.96.
GuruFocus considers Towne Bank to be Fairly Valued.
Key valuation signals for TOWN:
PB Ratio: 1.14 (near median its 10-year median of 1.20)
GF Value™: $36.96 vs. price of $36.13 (2.2% below fair value)
Industry Position: 5.6% above the Banks median (#816 of 1515)
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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