TowneBank | Mid-cap | Financial Services
$32.48
-3.56%
| TowneBank Stock Comparison:
TowneBank vs Nu HoldingsTowneBank vs U.S. BancorpTowneBank vs Webster FinancialTowneBank vs Western AllianceTowneBank vs UMB FinancialTowneBank vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 207.4M
Net Income 39.3M 18.93%
EPS (Diluted) $0.51

Balance Sheet Metrics

Total Assets 17.5B
Total Liabilities 15.3B
Shareholders Equity 2.2B
Debt to Equity 6.90

Cash Flow Metrics

Operating Cash Flow 134.6M
Free Cash Flow 110.6M

Revenue & Profitability Trend

TowneBank Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 692.5M 695.1M 686.4M 679.0M 662.2M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 321.5M 305.2M 279.9M 266.9M 253.4M
Other Operating Expenses i - - - - -
Total Operating Expenses i 321.5M 305.2M 279.9M 266.9M 253.4M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 190.4M 186.2M 237.0M 279.8M 201.3M
Income Tax i 27.6M 31.1M 46.6M 54.8M 31.9M
Effective Tax Rate % i 14.5% 16.7% 19.7% 19.6% 15.8%
Net Income i 162.7M 155.1M 190.5M 225.0M 169.4M
Net Margin % i 23.5% 22.3% 27.7% 33.1% 25.6%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $2.16 $2.06 $2.60 $2.97 $2.01
EPS (Diluted) i $2.15 $2.06 $2.60 $2.97 $2.01
Basic Shares Outstanding i 74887500 74645906 72556546 72479236 72293686
Diluted Shares Outstanding i 74887500 74645906 72556546 72479236 72293686

Income Statement Trend

TowneBank Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 1.3B 1.1B 1.2B 3.3B 1.9B
Short-term Investments i 62.3M 2.1B 1.8B 1.8B 1.4B
Accounts Receivable i - - - - -
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i 57.9M 57.2M 48.2M 44.3M 40.9M
Goodwill i 975.4M 977.3M 960.1M 964.8M 950.2M
Intangible Assets i 60.2M 64.6M 43.2M 50.4M 45.5M
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 17.2B - - - -
Liabilities
Current Liabilities
Accounts Payable i - - - - -
Short-term Debt i - - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 263.2M 459.8M 277.1M 405.0M 705.1M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 15.1B - - - -
Equity
Common Stock i 125.5M 124.8M 121.4M 121.2M 121.1M
Retained Earnings i 1.0B 921.1M 840.8M 716.6M 557.9M
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 2.2B 2.1B 1.9B 1.9B 1.8B
Key Metrics
Total Debt i 263.2M 459.8M 277.1M 405.0M 705.1M
Working Capital i 0 0 0 0 0

Balance Sheet Composition

TowneBank Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 162.7M 155.1M 190.5M 225.0M 169.4M
Depreciation & Amortization i 35.1M 34.2M 28.7M 28.8M 29.1M
Stock-Based Compensation i 7.9M 7.0M 5.2M 5.6M 5.5M
Working Capital Changes i 2.6M 6.5M -90.0M 90.9M 24.2M
Operating Cash Flow i 204.5M 202.1M 470.9M 720.8M 264.3M
Investing Activities
Capital Expenditures i -52.9M -42.9M -51.5M -27.5M -45.2M
Acquisitions i -10.1M 17.8M -2.4M -26.1M 9.4M
Investment Purchases i -564.0M -244.6M -890.3M -839.0M -454.3M
Investment Sales i 537.7M 201.7M 179.0M 202.9M 564.5M
Investing Cash Flow i -71.6M -79.8M -760.7M -671.1M 79.8M
Financing Activities
Share Repurchases i - - - - -
Dividends Paid i -75.0M -71.4M -62.8M -55.3M -52.2M
Debt Issuance i 3.3M 0 246.9M 0 400.0M
Debt Repayment i -739.0K -1.2M -375.7M -25.7M -350.7M
Financing Cash Flow i -268.6M 65.5M -232.7M -539.6M 111.4M
Free Cash Flow i 81.1M 117.2M 363.2M 487.6M 82.1M
Net Change in Cash i -135.7M 187.7M -522.5M -489.9M 455.6M

Cash Flow Trend

TowneBank Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 14.74
Forward P/E 13.19
Price to Book 1.13
Price to Sales 3.62
PEG Ratio -1.68

Profitability Ratios

Profit Margin 23.41%
Operating Margin 36.35%
Return on Equity 8.07%
Return on Assets 0.99%

Financial Health

Debt to Equity 0.16
Beta 0.85

Per Share Data

EPS (TTM) $2.31
Book Value per Share $30.03
Revenue per Share $9.88

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
town 2.7B 14.74 1.13 8.07% 23.41% 0.16
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
Webster Financial 9.8B 11.96 1.09 9.44% 34.45% 0.52
Western Alliance 9.2B 11.30 1.37 12.42% 27.12% 0.93
UMB Financial 9.0B 13.41 1.31 10.05% 27.11% 0.51

Financial data is updated regularly. All figures are in the company's reporting currency.