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TowneBank (TOWN)

Financial Services | Banks - Regional | Portsmouth, United States | NasdaqGS
35.28 USD +0.51 (1.467%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)
After hours: 35.28
Short-term:★★☆☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 9:05 a.m. EDT

TowneBank presents a compelling value case for patient investors but lacks the immediate catalyst for a short-term pop. Fundamentally, the stock is trading at a deep discount to its intrinsic value, boasting a forward P/E of under 10x and a price-to-book ratio near parity, while generating robust operating margins above 60%. The recent quarterly earnings beat on net interest margins successfully challenged the prevailing bearish narrative regarding regional bank health. However, the long-term trajectory remains mixed. While the cumulative return over the last nine years is positive (+32%), the most recent annual performance was flat to slightly negative (-1.6%), preventing a top-tier 'exceptional buy' rating despite the solid balance sheet and 12% ROE. The market appears to be pricing in lingering concerns about loan growth or credit quality in the current macro environment. The dividend is a strong feature, offering a 3.1% yield with a sustainable payout ratio of roughly 54%, providing a nice floor for income-focused portfolios. On the short end, the technical picture is muted; the stock is hovering just below its 50-day moving average, and the statistical forecasting model offers no directional edge. Combined with the speculative options flow showing a distinct bias toward downside protection rather than upside speculation, the immediate outlook leans slightly negative. This is a 'buy and wait' situation where the margin of safety is real, but the momentum engine is currently stalled.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.033302
AutoETS0.034310
AutoTheta0.034578
AutoARIMA0.039199

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 50%
H-stat 6.46
Ljung-Box p 0.000
Jarque-Bera p 0.489
Excess Kurtosis 0.16
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-24
Last Dividend Date 2026-09-24
Revenue per Share 13.226
Market Cap 3,221,998,592
Trailing P/E 17.82
Forward P/E 9.92
Beta 0.73
Profit Margins 28.56%
Website https://www.townebank.com

As of Oct. 10, 2026, 9:05 a.m. EDT: Speculators are positioning defensively with heavy put volume at the $19.3 strike for December expiration, suggesting a fear of a significant downside gap or a 'crash' scenario. Conversely, call interest is sparse and concentrated at out-of-the-money strikes ($40+), indicating limited bullish conviction for a rally. Implied volatility is elevated on puts relative to calls, reflecting asymmetric risk pricing.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.77% 5.17% 3.86% 3.66%
Dividend History
Date Dividend Yield %
2026-09-25 0.280000 0.770077
2026-06-26 0.280000 0.770077
2026-05-04 0.700000 2.026049
2026-03-31 0.270000 0.801901
2025-12-26 0.270000 0.801425
2025-09-29 0.270000 0.776978
2025-06-27 0.270000 0.786026
2025-03-31 0.250000 0.731208
2024-12-31 0.250000 0.733999
2024-09-30 0.250000 0.756201
2024-06-28 0.250000 0.916758
2024-03-27 0.250000 0.900252
2023-12-28 0.250000 0.822368
2023-09-28 0.250000 1.097454
2023-06-29 0.250000 1.058425
2023-03-29 0.230000 0.843418
2022-12-29 0.230000 0.743615
2022-09-29 0.230000 0.846834
2022-06-29 0.230000 0.846834
2022-03-29 0.200000 0.642467
2021-12-29 0.200000 0.629723
2021-09-29 0.200000 0.647040
2021-06-29 0.200000 0.657895
2021-03-29 0.180000 0.596817
2020-12-29 0.180000 0.782609
2020-09-29 0.180000 1.107011
2020-06-29 0.180000 0.971398
2020-03-27 0.180000 1.058824
2019-12-27 0.180000 0.644468
2019-09-27 0.180000 0.647017
2019-06-27 0.180000 0.662008
2019-03-28 0.160000 0.644382
2018-12-27 0.160000 0.675390
2018-09-27 0.160000 0.523732
2018-06-28 0.160000 0.494590
2018-03-28 0.140000 0.488656
2017-12-28 0.140000 0.445151
2017-09-28 0.140000 0.417910
2017-06-28 0.140000 0.457516
2017-03-28 0.130000 0.407524
2016-12-28 0.130000 0.387481
2016-09-28 0.130000 0.541667
2016-06-28 0.130000 0.635076
2016-03-28 0.120000 0.638298
2015-12-28 0.120000 0.571429
2015-09-28 0.120000 0.634249
2015-06-26 0.120000 0.713861
2015-03-26 0.110000 0.689655
2014-12-26 0.110000 0.704225
2014-09-24 0.110000 0.787966
2014-06-25 0.110000 0.687500
2014-03-26 0.100000 0.647668
2013-12-27 0.100000 0.664452
2013-09-25 0.100000 0.682128
2013-06-26 0.090000 0.636042
2013-03-26 0.090000 0.598802
2012-12-05 0.090000 0.595632
2012-09-26 0.080000 0.517130
2012-06-27 0.080000 0.583090
2012-03-28 0.077670 0.578453
2011-12-28 0.077670 0.651467
2011-09-28 0.077670 0.727274
2011-06-28 0.077670 0.593473
2011-03-29 0.077670 0.521173
2010-12-29 0.077670 0.487805
2010-09-28 0.077670 0.548698
2010-06-28 0.077670 0.522194
2010-03-29 0.077670 0.555171
2009-12-29 0.077670 0.687286
2009-09-28 0.077670 0.620637
2009-06-29 0.077670 0.571429
2009-03-30 0.077670 0.501883
2008-12-29 0.077670 0.345424
2008-09-29 0.077670 0.351649
2008-06-27 0.077670 0.501568
2008-03-28 0.077670 0.547571
2007-12-27 0.077670 0.516130
2007-09-27 0.077670 0.437159
2007-06-28 0.077670 0.492308
2007-03-29 0.077670 0.424404
2006-12-18 0.291262 1.521297
2006-02-22 0.223301 1.045455
2005-02-23 0.122537 0.592253
2004-04-16 0.062840 0.347828
2003-04-23 0.031420 0.285716
Additional Data
dividendYield 3.15
exDividendDate 2026-09-25
trailingAnnualDividendRate 1.09
trailingAnnualDividendYield 0.031348865
lastDividendValue 0.28
lastDividendDate 2026-09-25
dividendDate 2026-10-09

Info Dump

Attribute Value
52 Week Change 0.06951702
Address1 5,716 High Street
All Time High 39.03
All Time Low 4.241682
Ask 35.16
Ask Size 1
Audit Risk 4
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 567,100
Average Daily Volume3 Month 578,770
Average Volume 578,770
Average Volume10Days 567,100
Beta 0.726
Bid 25.31
Bid Size 2
Board Risk 8
Book Value 32.8
City Portsmouth
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 35.28
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 35.5
Day Low 35.0
Dividend Date 1,791,504,000
Dividend Yield 3.15
Earnings Growth 2.857
Earnings Quarterly Growth 3.725
Earnings Timestamp End 1,792,612,800
Earnings Timestamp Start 1,792,612,800
Ebitda Margins 0.0
Enterprise To Revenue 3.1
Enterprise Value 3,463,007,744
Eps Current Year 3.155
Eps Forward 3.555
Eps Trailing Twelve Months 1.98
Esg Populated 0
Ex Dividend Date 1,790,294,400
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 36.7972
Fifty Day Average Change -1.5172005
Fifty Day Average Change Percent -0.041231412
Fifty Two Week Change Percent 6.9517016
Fifty Two Week High 39.03
Fifty Two Week High Change -3.75
Fifty Two Week High Change Percent -0.09607994
Fifty Two Week Low 31.91
Fifty Two Week Low Change 3.369999
Fifty Two Week Low Change Percent 0.10560949
Fifty Two Week Range 31.91 - 39.03
Financial Currency USD
First Trade Date Milliseconds 925,911,000,000
Five Year Avg Dividend Yield 3.05
Float Shares 85,702,635
Forward Eps 3.555
Forward P E 9.92405
Full Exchange Name NasdaqGS
Full Time Employees 2,932
Fullday Change 0.5099983
Fullday Change Percent 1.4667768
Fullday Price 35.28
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 1,117,165,952
Has Pre Post Market Data 1
Held Percent Insiders 0.05712
Held Percent Institutions 0.63601
Implied Shares Outstanding 91,326,496
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,790,294,400
Last Dividend Value 0.28
Last Fiscal Year End 1,767,139,200
Last Split Date 1,337,731,200
Last Split Factor 103:100
Long Business Summary TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance. The company provides treasury solutions and deposit products, including checking accounts, savings accounts, and various types of time deposit services, such as daily money market accounts and long-term certificates of deposit; transaction accounts and certificates of deposit; and retirement account services comprising individual retirement accounts. It also offers safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts; secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and secured and unsecured loans for working capital, business expansion, equipment and machinery purchases, fixed- and floating-rate mortgage loans, and larger commercial loans, as well as real estate acquisition, development, and construction loans. In addition, the company can act as a qualified intermediary assisting investors; provides other financial services, such as financial, retirement, and estate planning; and offers assistance on a various investment option, including alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Further, it provides residential mortgage loans; residential resort property management; property, casualty, life, and health insurance products for businesses, individuals, and community organizations; and commercial and consumer insurance products and financial services, as well as individual and group life and health insurance. Additionally, the company offers online banking, mobile banking, and on-call banking. TowneBank was incorporated in 1998 and is based in Portsmouth, Virginia.
Long Name TowneBank
Market us_market
Market Cap 3,221,998,592
Market State POSTPOST
Max Age 86,400
Message Board Id finmb_2111301
Most Recent Quarter 1,782,777,600
Net Income To Common 319,104,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 3,335,136,882
Number Of Analyst Opinions 4
Open 35.12
Operating Cashflow 180,095,008
Operating Margins 0.61035
Overall Risk 7
Payout Ratio 0.5427
Phone 757 638 7500
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 35.28
Post Market Time 1,792,094,465
Previous Close 34.77
Price Eps Current Year 11.18225
Price Hint 2
Price To Book 1.0756098
Price To Sales Trailing12 Months 2.8840823
Profit Margins 0.28564
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.25
Region US
Regular Market Change 0.509998
Regular Market Change Percent 1.46678
Regular Market Day High 35.5
Regular Market Day Low 35.0
Regular Market Day Range 35.0 - 35.5
Regular Market Open 35.12
Regular Market Previous Close 34.77
Regular Market Price 35.28
Regular Market Time 1,792,094,400
Regular Market Volume 420,470
Return On Assets 0.01566
Return On Equity 0.122200005
Revenue Growth 1.178
Revenue Per Share 13.226
Sand P52 Week Change 0.16440773
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 91,326,496
Shares Percent Shares Out 0.0307
Shares Short 2,804,227
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 2,797,209
Short Name Towne Bank
Short Ratio 5.55
Source Interval 15
State VA
Symbol TOWN
Target High Price 42.0
Target Low Price 38.0
Target Mean Price 40.0
Target Median Price 40.0
Total Cash 276,039,008
Total Cash Per Share 3.023
Total Debt 510,971,008
Total Revenue 1,117,165,952
Tradeable 0
Trailing Annual Dividend Rate 1.09
Trailing Annual Dividend Yield 0.031348865
Trailing Eps 1.98
Trailing P E 17.81818
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 35.53655
Two Hundred Day Average Change -0.25654984
Two Hundred Day Average Change Percent -0.0072193234
Type Disp Equity
Volume 420,470
Website https://www.townebank.com
Zip 23,703