What is TowneBank's (TOWN) StockRank?

MoatMap's StockRank for TowneBank (TOWN) is 47/100, with a Hold signal. This is a composite score combining Quality (41), Value (41), and Momentum (59) factor ranks across MoatMap's 20,000+ stock universe.

Does TowneBank have an economic moat?

TowneBank (TOWN) has a Quality factor score of 41/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is TowneBank a buy, hold, or sell?

MoatMap's current signal for TowneBank (TOWN) is Hold, based on a StockRank of 47/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is TowneBank in?

TowneBank (TOWN) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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TOWN

HOLD

TowneBank · Financial Services · United States · $3.3B · Avg Vol: $28M/d

StockRank

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P/E (TTM)

17.6x

ROE

6.6%

D/E

0.1x

Dividend %

3.0%

COMPANY DESCRIPTION

TowneBank is a community bank offering a wide range of financial services including commercial banking, personal banking, mortgage, insurance, and wealth management across Virginia and North Carolina. The bank focuses on relationship-based banking, catering to local businesses and individuals. TowneBank maintains a strong regional market position by prioritizing community engagement and delivering personalized service, differentiating itself from larger national institutions.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	686.4M	694.4M	692.0M	833.7M	6.7%	877.2M	1.1B	1.1B	15.2%
EPS	2.60	2.05	2.15	2.22	-5.1%	2.07	2.32	2.52	6.6%
Shares	72.8M	73.9M	75.3M	79.0M	+8.4%	91.3M	—	—	—
Debt	277.1M	459.8M	263.2M	336.3M	6.7%	575.8M	—	—	—
Equity	1.9B	2.0B	2.1B	2.4B	8.9%	—	—	—	—
Op CF	415.5M	159.2M	137.7M	261.5M	-14.3%	180.0M	—	—	—
Inv CF	-2.0B	-333.6M	-202.1M	-386.9M	—	—	—	—	—
Fin CF	-512.1M	149.9M	275.5M	136.6M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+5.9%

SMA 50SMA 200

$37.78

RSI (14)

66.4

52W High

$37.90

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.8%*32.8

ROE

6.6%32.7

GP/Assets

4.5%N/A

Op. Margin

35.8%54.5

FCF/Assets

0.6%N/A

Piotroski

444.0

Int. Cover

—50.0

D/E Ratio

0.14xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

17.6x30.6

EV/EBITDA

bankN/A

P/FCF

26.2xN/A

P/B

1.1x50.0

P/S

3.8x49.9

Div Yield

3.0%37.8

Momentum

52W High %

100%95.9

RS 6M

1%59.8

SMA 50/200

1.04x55.8

EPS Rev 4W

-1.0%38.2

EPS Rev 12W

-10.8%7.2

EPS Improve

+67%77.4

Q Growth

-6%24.1

FUNDAMENTALS

Market Cap

$3.3B

P/E (Forward)

10.6x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TOWN are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
TOWN	TowneBank(you)	$3.3B	47	HOLD
NIC	Nicolet Bankshares, Inc.	$3.6B	49	HOLD
VLYPO	Valley National Bancorp	$3.3B	50	HOLD
TBBK	The Bancorp, Inc.	$2.8B	48	HOLD
BKU	BankUnited, Inc.	$3.4B	52	HOLD
BBT	Beacon Financial Corporation	$2.5B	47	HOLD
SFNC	Simmons First National Corporation	$3.3B	40	HOLD
MCHB	Mechanics Bancorp	$3.5B	53	HOLD
TFSL	TFS Financial Corporation	$5.1B	46	HOLD
FBNC	First Bancorp	$2.6B	43	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$37.78
Market Cap	$3.3B
P/E (TTM)	17.59
P/E (Forward)	10.55
Price/Book	1.15
Return on Equity	6.6%
Debt/Equity	0.14x
Operating Margin	35.8%
Revenue Growth	36.2%
Dividend Yield	3.0%
Free Cash Flow	$128M