profit from every $100 of sales.
$0$100
TowneBank
$36.76+0.46% today
+11.1% in 1 year
1-year low $32.021-year high $38.76
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $19.80 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What TowneBank sold, what it kept, and what it did with the cash.
Sales went from $686 million in 2022 to $834 million in 2025, with $170 million of profit last year.
SalesProfit
TowneBank handed back 38% of the cash it generated last year.
$79M
Free cash flow 2025$212M
Bought back its own shares$575,000
Paid as dividends$79M
Cash vs. debt$1.4B vs. $336M
TowneBank vs. similar companies
TowneBank grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| TowneBank | 19.8× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads TowneBank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 686 | 694 | 692 | 834 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 189 | 153 | 161 | 170 | |
| 2.60 | 2.05 | 2.15 | 2.21 | |
| – | – | – | – | |
| – | – | – | – | |
| 27.5% | 22.1% | 23.3% | 20.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 15,845 | 16,835 | 17,238 | 19,687 |
| Cash | 1,153 | 1,128 | 1,339 | 1,351 |
| Total debt | 277 | 460 | 263 | 336 |
| Total liabilities | 13,957 | 14,779 | 15,091 | 17,258 |
| 1,874 | 2,040 | 2,132 | 2,422 | |
| 73 | 75 | 75 | 77 | |
| – | – | – | – | |
| 10.1% | 7.5% | 7.6% | 7.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 416 | 159 | 138 | 261 | |
| 52 | 42 | 57 | 50 | |
| 363 | 117 | 81 | 212 | |
| Dividends paid | 63 | 71 | 75 | 79 |
| – | – | – | 1 | |
| 5 | 7 | 8 | 10 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 19.8×
- 11.3×
- –
- 1.0×
- 4.0×
- 5.0%
- 5.2%
Profitability
- 20.3%
- 0.7%
- 7.3%
- 6.4%
- 0.7%
Growth
- +6.7%
- −5.3%
- +8.0%
- +1.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 19%of 754
Bottom 40%of 605
Bottom 30%of 883
Bottom 41%of 880
Top 42%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.74 | 0.74 | +0.0% |
| Jan 30, 2026 | 0.70 | 0.71 | −1.4% |
| Oct 22, 2025 | 0.83 | 0.76 | +9.1% |
| Jul 23, 2025 | 0.81 | 0.69 | +17.4% |
| Apr 23, 2025 | 0.68 | 0.61 | +11.5% |
| Jan 22, 2025 | 0.55 | 0.48 | +14.6% |
| Oct 23, 2024 | 0.58 | 0.56 | +3.6% |
| Jul 24, 2024 | 0.57 | 0.48 | +18.7% |
5.2%of the share price, paid each year
On $1,000 invested$52a year at today's yield, before tax
+8.0%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.47 in 2015 → $1.06 in 2025
How safe it looks
46.8% of its profit
Room to growStretchedMore than it earns: 37.5%
News
ICE came to town and left behind weakened economiesCNBC · Oct 7, 2026A speakeasy inside a gas station is the hottest cocktail bar in a Minnesota town—the business brought in almost $5 million in a yearCNBC · Aug 19, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
56No pass
Benjamin Graham
82Pass
Philip Fisher
55No pass
Peter Lynch
36No pass
Joel Greenblatt
11No pass
Charlie Munger
52No pass
Terry Smith
51No pass
Questions about TowneBank
Is TowneBank a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the TowneBank AI analysis
What does TowneBank do?
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It is in Banks - Regional, based in Portsmouth, VA, United States, with 3,138 employees.
Does TowneBank pay a dividend?
Yes. At today's price the dividend is 5.2% a year, about 47% of its yearly profit. In 2025 it paid out $79.3 million in dividends.
Is TowneBank stock halal?
No. TowneBank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has TowneBank stock done over the past year?
Up 11.1% over the past twelve months, to $36.76. It traded between $32.02 and $38.76 and is 5.2% below its high.
Who are TowneBank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with TowneBank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.