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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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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.88% | -2.11% | -0.92% | 1.72% | |||||||||
| 2025 | 5.02% | 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
- R²
- 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.
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).
| TOWN | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.07 | 0.90 | -0.83 |
Sortino ratioReturn per unit of downside risk | 0.27 | 1.39 | -1.12 |
Omega ratioGain probability vs. loss probability | 1.03 | 1.21 | -0.18 |
Calmar ratioReturn relative to maximum drawdown | 0.11 | 1.40 | -1.29 |
Martin ratioReturn relative to average drawdown | 0.22 | 6.61 | -6.38 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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, 2004 | 1412 | Jan 26, 2010 | 1663 | Sep 1, 2016 | 3075 |
| -52.72% | Oct 12, 2017 | 614 | Mar 23, 2020 | 245 | Mar 12, 2021 | 859 |
| -36.49% | Sep 24, 1999 | 127 | Mar 24, 2000 | 322 | Jul 5, 2001 | 449 |
| -35.27% | Jan 14, 2022 | 332 | May 11, 2023 | 299 | Jul 22, 2024 | 631 |
| -24.58% | Feb 28, 2002 | 156 | Oct 9, 2002 | 155 | May 22, 2003 | 311 |
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.
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 | — |