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TowneBank (TOWN)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US89214P1093

CUSIP

89214P109

Sector

Financial Services

IPO Date

May 7, 1999

Highlights

Market Cap

$2.82B

EPS (TTM)

$2.15

PE Ratio

17.43

Total Revenue (TTM)

$684.01M

Gross Profit (TTM)

$769.45M

EBITDA (TTM)

$44.66M

Year Range

$24.87 - $38.01

Target Price

$40.75

Short %

0.62%

Short Ratio

2.84

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Popular comparisons:
TOWN vs. BRBS
Popular comparisons:
TOWN vs. BRBS

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.


0.00%5.00%10.00%15.00%SeptemberOctoberNovemberDecember2025February
16.16%
9.31%
TOWN (TowneBank)
Benchmark (^GSPC)

Returns By Period

TowneBank had a return of 10.04% year-to-date (YTD) and 40.93% in the last 12 months. Over the past 10 years, TowneBank had an annualized return of 12.27%, outperforming the S&P 500 benchmark which had an annualized return of 11.31%.


TOWN

YTD

10.04%

1M

9.30%

6M

16.16%

1Y

40.93%

5Y*

10.04%

10Y*

12.27%

^GSPC (Benchmark)

YTD

4.46%

1M

2.46%

6M

9.31%

1Y

23.49%

5Y*

13.03%

10Y*

11.31%

*Annualized

Monthly Returns

The table below presents the monthly returns of TOWN, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20255.02%10.04%
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%
2020-4.57%-13.15%-20.76%11.66%-6.63%0.92%-6.37%0.51%-6.48%10.85%19.64%8.77%-12.27%
20198.39%6.20%-9.64%5.37%-2.76%8.29%3.15%-6.65%6.54%1.03%0.21%-0.54%19.23%
2018-0.65%-6.55%0.67%4.55%5.85%1.93%0.62%0.93%-4.87%-8.82%1.71%-15.73%-20.40%
2017-3.16%1.09%-0.05%0.15%-10.63%6.71%1.62%-1.92%9.58%-0.00%0.00%-7.80%-5.88%
2016-8.62%-8.60%10.81%9.43%4.05%-0.28%6.00%3.66%1.56%3.20%30.04%3.50%62.89%
2015-4.03%6.82%4.46%2.92%-4.77%4.10%8.35%4.02%3.31%13.85%4.61%-6.50%41.67%
2014-2.27%-0.46%4.26%-0.52%1.10%1.39%-5.92%-0.81%-6.63%11.64%-4.95%5.67%1.04%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 85, TOWN is among the top 15% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of TOWN is 8585
Overall Rank
The Sharpe Ratio Rank of TOWN is 8585
Sharpe Ratio Rank
The Sortino Ratio Rank of TOWN is 8383
Sortino Ratio Rank
The Omega Ratio Rank of TOWN is 7878
Omega Ratio Rank
The Calmar Ratio Rank of TOWN is 9090
Calmar Ratio Rank
The Martin Ratio Rank of TOWN is 8888
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for TowneBank (TOWN) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


Sharpe ratio
The chart of Sharpe ratio for TOWN, currently valued at 1.38, compared to the broader market-2.000.002.001.381.74
The chart of Sortino ratio for TOWN, currently valued at 2.21, compared to the broader market-4.00-2.000.002.004.006.002.212.35
The chart of Omega ratio for TOWN, currently valued at 1.25, compared to the broader market0.501.001.502.001.251.32
The chart of Calmar ratio for TOWN, currently valued at 1.96, compared to the broader market0.002.004.006.001.962.61
The chart of Martin ratio for TOWN, currently valued at 7.81, compared to the broader market0.0010.0020.0030.007.8110.66
TOWN
^GSPC

The current TowneBank Sharpe ratio is 1.38. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of TowneBank with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio0.001.002.003.004.00SeptemberOctoberNovemberDecember2025February
1.38
1.74
TOWN (TowneBank)
Benchmark (^GSPC)

Dividends

Dividend History

TowneBank provided a 2.67% dividend yield over the last twelve months, with an annual payout of $1.00 per share. The company has been increasing its dividends for 17 consecutive years.


1.50%2.00%2.50%3.00%$0.00$0.20$0.40$0.60$0.80$1.0020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$1.00$1.00$0.98$0.89$0.78$0.72$0.70$0.62$0.55$0.51$0.47$0.43

Dividend yield

2.67%2.94%3.29%2.89%2.47%3.07%2.52%2.59%1.79%1.53%2.25%2.84%

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
2025$0.00$0.00$0.00
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
2020$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.72
2019$0.00$0.00$0.16$0.00$0.00$0.18$0.00$0.00$0.18$0.00$0.00$0.18$0.70
2018$0.00$0.00$0.14$0.00$0.00$0.16$0.00$0.00$0.16$0.00$0.00$0.16$0.62
2017$0.00$0.00$0.13$0.00$0.00$0.14$0.00$0.00$0.14$0.00$0.00$0.14$0.55
2016$0.00$0.00$0.12$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.51
2015$0.00$0.00$0.11$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.00$0.12$0.47
2014$0.10$0.00$0.00$0.11$0.00$0.00$0.11$0.00$0.00$0.11$0.43

Dividend Yield & Payout


Dividend Yield
200.0%400.0%600.0%2.7%
TowneBank has a dividend yield of 2.67%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%1,000.0%45.9%
TowneBank has a payout ratio of 45.87%, 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.


-14.00%-12.00%-10.00%-8.00%-6.00%-4.00%-2.00%0.00%SeptemberOctoberNovemberDecember2025February
-0.08%
0
TOWN (TowneBank)
Benchmark (^GSPC)

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 59.25%, occurring on Jan 26, 2010. Recovery took 1450 trading sessions.

The current TowneBank drawdown is 0.08%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-59.25%Sep 19, 2008340Jan 26, 20101450Oct 28, 20151790
-52.72%Oct 30, 2017602Mar 23, 2020245Mar 12, 2021847
-45.84%Jul 19, 2004997Jul 7, 200852Sep 18, 20081049
-36.52%Sep 24, 199999Mar 24, 2000212Jul 5, 2001311
-35.27%Jan 14, 2022332May 11, 2023299Jul 22, 2024631

Volatility

Volatility Chart

The current TowneBank volatility is 6.63%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%12.00%14.00%SeptemberOctoberNovemberDecember2025February
6.63%
3.07%
TOWN (TowneBank)
Benchmark (^GSPC)

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 assessment of the market value of TowneBank compared to its peers in the Banks - Regional industry.


PE Ratio
20.040.060.080.0100.0120.017.4
The chart displays the price to earnings (P/E) ratio for TOWN in comparison to other companies of the Banks - Regional industry. Currently, TOWN has a PE value of 17.4. This PE ratio is much higher than those of other companies of the industry. This might be an indicator of the company being overvalued.
PEG Ratio
-5.00.05.010.015.00.0
The chart displays the price to earnings to growth (PEG) ratio for TOWN in comparison to other companies of the Banks - Regional industry. Currently, TOWN has a PEG value of 0.0. This PEG ratio falls in the average range for the industry.

Historical P/E Ratio Chart

The chart below displays the historical trend of the price-to-earnings (P/E) ratio for TowneBank.


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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
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The information contained herein does not constitute investment advice and made available for educational purposes only. Prices and returns on equities are listed without consideration of fees, commissions, taxes, penalties, or interest payable due to purchasing, holding, or selling.

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