Valuation dashboard for TowneBank (TOWN) with P/E 10.43, P/B 1.10, EV/EBITDA 7.6 and dividend yield 4.85%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
TowneBank functions as a comprehensive financial institution, delivering a wide array of retail and commercial banking services to individuals, businesses, and professionals. Its operations are structured across three primary divisions: Banking, Realty, and Insurance. Clients can establish diverse deposit accounts, such as checking accounts, standard savings, high-yield savings, certificates of deposit (CDs), and individual retirement accounts.
What would it be worth at its usual multiples?
At a P/B Kaplio accepts for its ROTCE 9.8 % (1.3×) $44 (+18 %); at its peers' median (1.7×) $57 (+53 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
TowneBank reported revenue of $1.01B in the most recent fiscal year, growing at a 5-year CAGR of 6.3%. Net income reached $169.5M, with a 3.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 77.7%, operating margin 34.2%, net margin 26.7%.
At $37.12 (closing price, November 2, 2026), TOWN trades at a P/E of 10.43 and an ROE of 12.42%. Market capitalisation stands at $3.4B.
Balance sheet quality for TOWN: debt-to-equity ratio of 0.12, current ratio of 5.02 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 10.43 |
| Price / Book | 1.10 |
| EV / EBITDA | 7.6 |
| Dividend Yield | 4.85% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| TOWN | TowneBank | $3.4B | 10.43 | 1.10 | 12.4% |
| OZK | Bank OZK | $5.7B | 8.72 | 0.95 | 10.9% |
| WSBC | WesBanco, Inc. | $3.8B | 11.01 | 0.93 | 8.9% |
| SBCF | Seacoast Banking Corporation of Florida | $3.3B | 20.24 | 1.11 | 6.1% |
| SFNC | Simmons First National Corporation | $3.4B | 13.31 | 1.03 | 7.6% |
| CVBF | CVB Financial Corp. | $4.1B | 14.63 | 1.29 | 8.5% |
| TRMK | Trustmark Corporation | $2.6B | 11.34 | 1.26 | 11.1% |
| NBTB | NBT Bancorp Inc. | $2.8B | 12.85 | 1.43 | 11.3% |
Price
| Price | $37.12 (closing price, November 2, 2026) |
| Market Cap | $3.4B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 12.42% |
| Return on Invested Capital | 1.61% |
| Return on Assets | 1.61% |
| Gross Margin | 77.75% |
| Operating Margin | 34.16% |
| Net Margin | 26.65% |
Related companies: OZK · WSBC · SBCF · SFNC · CVBF · TRMK · NBTB · CBU
Explore sector: Financial Services · Banks - Regional
More sections of TOWN: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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