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TowneBank (TOWN)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US89214P1093
CUSIP
89214P109
IPO Date
May 7, 1999

Highlights

Market Cap
$2.66B
Enterprise Value
$2.78B
EPS (TTM)
$2.19
PE Ratio
15.37
Total Revenue (TTM)
$1.05B
Gross Profit (TTM)
$811.16M
EBITDA (TTM)
$256.50M
Year Range
$29.43 - $37.86
ROA (TTM)
0.86%
ROE (TTM)
6.98%

Share Price Chart


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TowneBank

Often compared with TOWN:
TOWN vs. BRBSTOWN vs. UGI

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in TowneBank, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

TowneBank (TOWN) has returned 1.72% so far this year and 1.64% over the past 12 months. Over the last ten years, TOWN has returned 8.81% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


TowneBank

1D
1.54%
1M
-0.92%
YTD
1.72%
6M
-1.02%
1Y
1.64%
3Y*
11.85%
5Y*
5.19%
10Y*
8.81%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since May 7, 1999, TOWN's average daily return is +0.05%, while the average monthly return is +0.87%. At this rate, your investment would double in approximately 6.7 years.

Historically, 51% of months were positive and 49% were negative. The best month was Feb 2002 with a return of +34.5%, while the worst month was Feb 2009 at -35.8%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 8 months.

On a daily basis, TOWN closed higher 46% of trading days. The best single day was Sep 18, 2008 with a return of +36.1%, while the worst single day was Jun 18, 2004 at -28.2%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20264.88%-2.11%-0.92%1.72%
20255.02%3.10%-6.62%-3.63%4.89%-0.32%2.49%4.74%-5.06%-5.96%3.20%0.26%1.03%
2024-5.54%-3.56%4.47%-7.80%5.10%1.23%21.89%4.24%-3.86%-1.63%12.64%-6.33%18.35%
2023-1.20%-0.46%-11.39%-11.11%-1.90%1.08%8.78%-6.65%-1.77%4.40%9.69%14.25%0.26%
2022-0.66%-0.64%-3.34%-7.92%6.93%-7.14%10.02%-4.62%-5.04%22.77%-1.94%-3.80%0.67%
2021-1.19%24.31%6.02%1.91%3.39%-4.40%-2.01%2.21%2.77%1.32%-2.95%3.92%37.97%

Benchmark Metrics

TowneBank has an annualized alpha of 8.09%, beta of 0.76, and R² of 0.16 versus S&P 500 Index. Calculated based on daily prices since May 10, 1999.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (72.45%) than losses (67.93%) — typical of diversified or defensive assets.
  • R² of 0.16 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
8.09%
Beta
0.76
0.16
Upside Capture
72.45%
Downside Capture
67.93%

Return for Risk

Risk / Return Rank

TOWN ranks 40 for risk / return — below 40% of stocks on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.


TOWN Risk / Return Rank: 4040
Overall Rank
TOWN Sharpe Ratio Rank: 4242
Sharpe Ratio Rank
TOWN Sortino Ratio Rank: 3535
Sortino Ratio Rank
TOWN Omega Ratio Rank: 3535
Omega Ratio Rank
TOWN Calmar Ratio Rank: 4444
Calmar Ratio Rank
TOWN Martin Ratio Rank: 4343
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for TowneBank (TOWN) and compare them to a chosen benchmark (S&P 500 Index).


TOWNBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.07

0.90

-0.83

Sortino ratio

Return per unit of downside risk

0.27

1.39

-1.12

Omega ratio

Gain probability vs. loss probability

1.03

1.21

-0.18

Calmar ratio

Return relative to maximum drawdown

0.11

1.40

-1.29

Martin ratio

Return relative to average drawdown

0.22

6.61

-6.38

Explore TOWN risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

TowneBank provided a 3.21% dividend yield over the last twelve months, with an annual payout of $1.08 per share. The company has been increasing its dividends for 12 consecutive years.


1.50%2.00%2.50%3.00%$0.00$0.20$0.40$0.60$0.80$1.0020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.08$1.06$1.00$0.98$0.89$0.78$0.72$0.70$0.62$0.55$0.51$0.47

Dividend yield

3.21%3.18%2.94%3.29%2.89%2.47%3.07%2.52%2.59%1.79%1.53%2.25%

Monthly Dividends

The table displays the monthly dividend distributions for TowneBank. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.00$0.27$0.27
2025$0.00$0.00$0.25$0.00$0.00$0.27$0.00$0.00$0.27$0.00$0.00$0.27$1.06
2024$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$1.00
2023$0.00$0.00$0.23$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.98
2022$0.00$0.00$0.20$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.89
2021$0.00$0.00$0.18$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.78

Dividend Yield & Payout


Dividend Yield

TowneBank has a dividend yield of 3.21%, which is quite average when compared to the overall market.

Payout Ratio

TowneBank has a payout ratio of 34.30%, which is quite average when compared to the overall market. This suggests that TowneBank strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the TowneBank. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the TowneBank was 64.73%, occurring on Jan 26, 2010. Recovery took 1663 trading sessions.

The current TowneBank drawdown is 9.84%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-64.73%Jun 18, 20041412Jan 26, 20101663Sep 1, 20163075
-52.72%Oct 12, 2017614Mar 23, 2020245Mar 12, 2021859
-36.49%Sep 24, 1999127Mar 24, 2000322Jul 5, 2001449
-35.27%Jan 14, 2022332May 11, 2023299Jul 22, 2024631
-24.58%Feb 28, 2002156Oct 9, 2002155May 22, 2003311

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of TowneBank over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how TowneBank is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for TOWN, comparing it with other companies in the Banks - Regional industry. Currently, TOWN has a P/E ratio of 15.4. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for TOWN relative to other companies in the Banks - Regional industry. Currently, TOWN has a P/S ratio of 2.5. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for TOWN in comparison with other companies in the Banks - Regional industry. Currently, TOWN has a P/B value of 1.1. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items