Towne Bank (TOWN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Towne Bank stock (TOWN) is currently trading at $33.29. Towne Bank PE ratio is 15.01. Towne Bank PS ratio (Price-to-Sales) is 3.79. Analyst consensus price target for TOWN is $41.00. WallStSmart rates TOWN as Hold.
- TOWN PE ratio analysis and historical PE chart
- TOWN PS ratio (Price-to-Sales) history and trend
- TOWN intrinsic value — DCF, Graham Number, EPV models
- TOWN stock price prediction 2025 2026 2027 2028 2029 2030
- TOWN fair value vs current price
- TOWN insider transactions and insider buying
- Is TOWN undervalued or overvalued?
- Towne Bank financial analysis — revenue, earnings, cash flow
- TOWN Piotroski F-Score and Altman Z-Score
- TOWN analyst price target and Smart Rating
Towne Bank
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TOWN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Towne Bank (TOWN)
TOWN trades 137% above its Graham fair value of $15.10, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Towne Bank (TOWN) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Towne Bank (TOWN) Key Strengths (6)
Keeps $35 of every $100 in revenue after operating costs
Keeps $21 of every $100 in revenue as net profit
Trading at 1.24x book value, attractively priced
Strong revenue growth at 26.10% annually
52.26% held by institutions, strong professional interest
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Towne Bank (TOWN) Areas to Watch (3)
Earnings declining -4.10%, profits shrinking
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.79x sales
Towne Bank (TOWN) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 6 register as strengths (avg 8.5/10) while 3 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 35.20%, Profit Margin at 20.90%. Growth metrics are encouraging with Revenue Growth at 26.10%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.79) suggest expensive pricing. Growth concerns include EPS Growth at -4.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.47%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.47% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 26.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TOWN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TOWN's Price-to-Sales ratio of 3.79x trades 47% below its historical average of 7.09x (2th percentile). The current valuation is 77% below its historical high of 16.5x set in Feb 2006, and 3% above its historical low of 3.69x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Towne Bank (TOWN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Towne Bank is a strong growth company balancing expansion with improving profitability. Revenue reached 812M with 26% growth year-over-year. Profit margins are strong at 20.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 26% YoY, reaching 812M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 747.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Earnings fell 410% YoY while revenue grew 26%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Growth sustainability: can Towne Bank maintain 26%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.2%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Towne Bank.
Bottom Line
Towne Bank offers an attractive blend of growth (26% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Towne Bank(TOWN)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
TowneBank offers retail and business banking services for individuals, professionals, and business companies. The company is headquartered in Portsmouth, Virginia.