TOWN Financials: TowneBank AI Analysis

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TOWN Financial

TowneBank

$34.53

1.85%

$0.63

As of today:Apr 06, 15:05:31 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$33.9

Open

$33.84

Day's Range

$33.8 - $34.55

52 week range

$29.43 - $37.86

Volume

316.6K

Avg.Volume

533.8K

Dividend yield

2.47%

EPS (TTM)

2.21

Market Cap

$3.1B

What is TOWN?

TowneBank engages in the provision of retail and commercial banking services to individuals and small and medium size businesses. The company is headquartered in Portsmouth, Virginia and currently employs 2,720 full-time employees. The firm's financial services include banking, resort property management, mortgage, insurance, employee benefit services, and investments. Its segments include Banking, Realty, and Insurance. The banking segment provides loan and deposit services to retail and commercial customers and also provides a variety of investment and asset management services. The Realty segment offers mortgage loans and resort property management. The Insurance segment provides a full line of commercial and consumer insurance products and financial services, as well as employee benefit services. Its business banking services include business lending, business checking and online banking and treasury services. The firm operates over 50 banking offices throughout Hampton Roads and Central Virginia, as well as Northeastern and Central North Carolina.

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Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021
Revenue	--	--	--	--	--	--
Revenue Growth (YoY)	--	--	--	--	--	--
Cost of Revenue	--	--	--	--	--	--
Gross Profit	--	--	--	--	--	--
Selling, General & Admin	--	--	--	--	--	--
Research & Development	--	--	--	--	--	--
Operating Expenses	--	--	--	--	--	--
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	209	210	189	186	237	279
Income Tax Expense	39	39	27	31	46	54
Net Income	169	169	161	153	189	215
Net Income Growth	5%	5%	5%	-19%	-12%	48%
Shares Outstanding (Diluted)	79.1	76.7	75.04	74.66	72.6	72.5
Shares Change (YoY)	5%	2%	1%	3%	0%	0%
EPS (Diluted)	2.13	2.21	2.15	2.05	2.6	2.97
EPS Growth	-1%	3%	4%	-21%	-12%	48%
Free Cash Flow	--	--	81	117	363	487
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	--	--	--	--	--	--
Operating Margin	--	--	--	--	--	--
Profit Margin	--	--	--	--	--	--
Free Cash Flow Margin	--	--	--	--	--	--
EBITDA	--	--	--	--	--	--
EBITDA Margin	--	--	--	--	--	--
D&A For EBITDA	--	--	35	34	28	28
EBIT	--	--	--	--	--	--
EBIT Margin	--	--	--	--	--	--
Effective Tax Rate	18.66%	18.57%	14.28%	16.66%	19.4%	19.35%

Follow-Up Questions

What are TowneBank's key financial statements?

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According to the latest financial statement (Form-10K), TowneBank has a total asset of $19,687, Net profit of $169

What are the key financial ratios for TOWN?

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TowneBank's Current ratio is 1.14, has a Net margin is 0, sales per share of $0.

How is TowneBank's revenue broken down by segment or geography?

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TowneBank largest revenue segment is Banking, at a revenue of 489,362,000 in the most earnings release.For geography, United States is the primary market for TowneBank, at a revenue of 693,750,000.

Is TowneBank profitable?

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yes, according to the latest financial statements, TowneBank has a net profit of $169

Does TowneBank have any liabilities?

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yes, TowneBank has liability of 17,265

How many outstanding shares for TowneBank?

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TowneBank has a total outstanding shares of 78.96

TowneBank (TOWN) Financial

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