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TowneBank (TOWN)

Financial Services | Banks - Regional | Portsmouth, United States | NasdaqGS
35.85 USD +0.05 (0.140%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take | July 11, 2026, 5:17 a.m. EDT

TowneBank presents a compelling value case for patient investors but lacks the explosive momentum required for aggressive short-term plays. Fundamentally, the stock is trading at a discount to its forward earnings potential (Forward P/E of ~10x vs Trailing P/E of 17x), driven by a recent earnings miss and negative earnings growth (-22%). However, the revenue story remains robust with +36% growth, and the balance sheet appears healthy with a payout ratio of just 52%, allowing for sustainable dividends. The price has recovered significantly over the last decade (+56%), yet the recent quarterly stumble has capped the upside. While the long-term outlook is solid due to the growth-recovery dynamic, the short-term path is murky; the statistical forecast leans slightly negative, and options flow shows no aggressive buying pressure. This is a 'hold' or 'accumulate on dips' scenario rather than a 'run-up' trade.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_70 ✓0.017859
AutoARIMA0.023967
AutoETS0.024015
AutoTheta0.024827
MSTL0.026744
MSTL_70_1260.035093
MSTL_1260.044921

Forecast horizon: 60 days | Selected: MSTL_70

Forecast Reliability
Score 54%
H-stat 0.27
Ljung-Box p 0.000
Jarque-Bera p 0.390
Excess Kurtosis -0.86
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-25
Last Dividend Date 2026-06-25
Revenue per Share 10.933
Market Cap 3,273,035,264
Trailing P/E 17.24
Forward P/E 10.39
Beta 0.70
Profit Margins 19.02%
Website https://www.townebank.com

As of July 11, 2026, 5:17 a.m. EDT: Speculator positioning is mixed and lacks clear directional conviction. Call volume is negligible across most expirations, while put activity is concentrated in deep out-of-the-money strikes (below $25-$30) for later dates, suggesting a hedge against a significant crash rather than a bearish bet on the immediate term. The lack of significant open interest or volume at strikes near the current price ($35-$40) indicates the market is currently pricing in low volatility and waiting for a catalyst.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.77% 5.18% 3.97% 3.64%
Dividend History
Date Dividend Yield %
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
dividendRate 1.09
dividendYield 3.04
exDividendDate 2026-06-26
trailingAnnualDividendRate 1.08
trailingAnnualDividendYield 0.0301676
lastDividendValue 0.28
lastDividendDate 2026-06-26
dividendDate 2026-07-10

Info Dump

Attribute Value
52 Week Change 0.031061292
Address1 5,716 High Street
All Time High 38.28
All Time Low 4.241682
Ask 46.08
Ask Size 2
Audit Risk 4
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 641,770
Average Daily Volume3 Month 579,231
Average Volume 579,231
Average Volume10Days 641,770
Beta 0.701
Bid 25.92
Bid Size 2
Board Risk 8
Book Value 31.677
City Portsmouth
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 35.85
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 36.08
Day Low 35.72
Dividend Date 1,783,641,600
Dividend Rate 1.09
Dividend Yield 3.04
Earnings Growth -0.22
Earnings Quarterly Growth -0.062
Earnings Timestamp End 1,784,750,400
Earnings Timestamp Start 1,784,750,400
Ebitda Margins 0.0
Enterprise To Revenue 4.139
Enterprise Value 3,630,828,288
Eps Current Year 3.1725
Eps Forward 3.45
Eps Trailing Twelve Months 2.08
Esg Populated 0
Ex Dividend Date 1,782,432,000
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 34.9418
Fifty Day Average Change 0.9081993
Fifty Day Average Change Percent 0.025991773
Fifty Two Week Change Percent 3.1061292
Fifty Two Week High 37.86
Fifty Two Week High Change -2.0100021
Fifty Two Week High Change Percent -0.05309039
Fifty Two Week Low 31.91
Fifty Two Week Low Change 3.9399986
Fifty Two Week Low Change Percent 0.12347222
Fifty Two Week Range 31.91 - 37.86
Financial Currency USD
First Trade Date Milliseconds 925,911,000,000
Five Year Avg Dividend Yield 3.09
Float Shares 85,472,326
Forward Eps 3.45
Forward P E 10.391304
Full Exchange Name NasdaqGS
Full Time Employees 3,138
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 877,206,016
Has Pre Post Market Data 1
Held Percent Insiders 0.056750003
Held Percent Institutions 0.61213
Implied Shares Outstanding 91,298,055
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,782,432,000
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 3,273,035,264
Market State PRE
Max Age 86,400
Message Board Id finmb_2111301
Most Recent Quarter 1,774,915,200
Net Income To Common 166,804,992
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 3,273,035,271
Number Of Analyst Opinions 4
Open 35.92
Operating Cashflow 180,032,992
Operating Margins 0.35848
Overall Risk 7
Payout Ratio 0.51919997
Phone 757 638 7500
Previous Close 35.8
Price Eps Current Year 11.300237
Price Hint 2
Price To Book 1.1317359
Price To Sales Trailing12 Months 3.7312047
Profit Margins 0.19015
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.25
Region US
Regular Market Change 0.0499992
Regular Market Change Percent 0.139663
Regular Market Day High 36.08
Regular Market Day Low 35.72
Regular Market Day Range 35.72 - 36.08
Regular Market Open 35.92
Regular Market Previous Close 35.8
Regular Market Price 35.85
Regular Market Time 1,783,972,800
Regular Market Volume 398,455
Return On Assets 0.00842
Return On Equity 0.06564
Revenue Growth 0.362
Revenue Per Share 10.933
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 91,298,055
Shares Percent Shares Out 0.029000001
Shares Short 2,169,308
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 1,764,077
Short Name Towne Bank
Short Ratio 3.96
Source Interval 15
State VA
Symbol TOWN
Target High Price 41.0
Target Low Price 38.0
Target Mean Price 39.25
Target Median Price 39.0
Total Cash 224,866,000
Total Cash Per Share 2.463
Total Debt 575,830,976
Total Revenue 877,206,016
Tradeable 0
Trailing Annual Dividend Rate 1.08
Trailing Annual Dividend Yield 0.0301676
Trailing Eps 2.08
Trailing P E 17.235577
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 34.51425
Two Hundred Day Average Change 1.3357468
Two Hundred Day Average Change Percent 0.03870131
Type Disp Equity
Volume 398,455
Website https://www.townebank.com
Zip 23,703