TOWN (Towne Bank) GF Value Rank: 9 (As of Jul. 26, 2026) — 13% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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 $36.65
GF Value $37.13
Valuation Fairly Valued
! 3 Warning Signs
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What is Towne Bank GF Value Rank?

Towne Bank TOWN +1.95% 63 GF Value Rank is 9 as of Jul. 26, 2026, which is 13% above its 10-year median of 8.00. GuruFocus rates TOWN with a GF Score™ of 63/100 and a GF Value™ of $37.13 (Fairly Valued). The stock has 3 warning signs investors should review.

Towne Bank has the GF Value Rank of 9.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

TOWN vs SFNC, BOH, BKU: GF Value Rank Comparison

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

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

* The bar in red indicates where Towne Bank's GF Value Rank falls into.


TOWN
63GF Score
Towne Bank TOWN
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 9 mean?
Towne Bank (TOWN) has a GF Value Rank of 9 as of Jul. 26, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Towne Bank and its competitors. This is 13% above median its historical median of 8.00. Over the past decade, Towne Bank's GF Value Rank has ranged from 1.00 to 10.00.
Is Towne Bank's GF Value Rank too high?
Towne Bank's current GF Value Rank of 9 is 13% above median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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 GF Value Rank compare to SFNC and BOH?
Towne Bank's GF Value Rank of 9 can be compared against companies in the Banks industry. Historically, Towne Bank's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Towne Bank and its competitors. Towne Bank's current GF Value Rank is 9, which is 13% above median its own 10-year median of 8.00. 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 $37.13, compared to a current price of $36.65 — trading 1.3% below its estimated fair value. The current GF Value Rank is 9, which is 13% above median its 10-year median of 8.00. 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 GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Towne Bank (TOWN), the current GF Value Rank is 9 as of Jul. 26, 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 $36.65 is trading 1.3% below its estimated GF Value™ of $37.13. GuruFocus considers Towne Bank to be Fairly Valued.

Key valuation signals for TOWN:

  • GF Value Rank: 9 (13% above median its 10-year median of 8.00)
  • GF Value™: $37.13 vs. price of $36.65 (1.3% 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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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.65
Price
$37.13
GF Value