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Towne Bank (TOWN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Towne Bank stock $18.64, price $36.39, that is 48.8% below the price, quality 43 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

TB Towne Bank logo Broad data Nov 7, 2026

Towne Bank

TOWN · US
Very expensive, weak quality

Our calculation puts a fair price 49% below what the stock costs today.

Highly profitable · 30.5% net margin (TTM)
3.0% dividend yield · Low payout
Upbeat coverage
Broad data
Last quarter vs. a year ago: revenue +29%, profit +73%.
Quality 43/100
Mixed Growth (revenue 5y +6.3 %/yr in USD)
Mixed vs. peers (7/14)
Moderate moat 62/100
Fair value $18.64 · Strongly overvalued
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$38.46 $18.71 Fair Value $18.64 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $18.71 – $38.46 · fair‑value band $15.61 – $21.22 · the $36.39 price screens above the $18.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance.

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The company provides treasury solutions and deposit products, including checking accounts, savings accounts, and various types of time deposit services, such as daily money market accounts and long-term certificates of deposit; transaction accounts and certificates of deposit; and retirement account services comprising individual retirement accounts.

It also offers safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts; secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and secured and unsecured loans for working capital, business expansion, equipment and machinery purchases, fixed- and floating-rate mortgage loans, and larger commercial loans, as well as real estate acquisition, development, and construction loans.

In addition, the company can act as a qualified intermediary assisting investors; provides other financial services, such as financial, retirement, and estate planning; and offers assistance on a various investment option, including alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans.

Further, it provides residential mortgage loans; residential resort property management; property, casualty, life, and health insurance products for businesses, individuals, and community organizations; and commercial and consumer insurance products and financial services, as well as individual and group life and health insurance.

Additionally, the company offers online banking, mobile banking, and on-call banking. TowneBank was incorporated in 1998 and is based in Portsmouth, Virginia.

Stock analysis

Towne Bank (TOWN) currently trades at $36.39, while our model-based Fair Value estimate is $18.64, 49% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $24.49 per share, and 0 of the 6 models we run sit above the $36.39 price.

Bear case: the Asset-Based group reads lowest at $12.28, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $15.61 (bear) to $21.22 (bull), the price of $36.39 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2012: revenue and profit before it include the divested business. Growth is measured afresh from 2012.

Towne Bank reported revenue of $1.0B in FY2025 versus $720M in FY2021, a compound +8.8%/yr. Reported net income was $170M in FY2025, compounding −5.8%/yr from FY2021.

Key figures

Market cap $3.4B Mid · P/E ratio 18.3 · P/S ratio 3.08 · EPS (TTM) $1.99 · Dividend yield 3.0% · Net margin 16.8% · Return on equity 13.3% · Return on assets (EBIT) 1.3% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −49%, TOWN screens richer than that median.

Fair Value models

Bear $15.61 Fair Value $18.64 Bull $21.22
Price $36.39 · Downside -48.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.7632 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $20.81 $21.93 $24.12 76
DDM Multi-Stage $7.66 $13.40 $16.63 67
Gordon GGM $7.66 $15.84 $24.96 66
All 6 models by family
Dividend Discount
Gordon GGM $7.66 $15.84 $24.96 66
DDM Multi-Stage $7.66 $13.40 $16.63 67
Multiples
P/E Multiple $17.49 $23.32 $29.15 63
P/B Multiple $19.24 $25.65 $32.06 55
Asset-Based
NCAV (Graham) $9.16 $12.28 $18.32 54
Economic Profit
Residual Income $20.81 $21.93 $24.12 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 43/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 27
How much profit the company makes from its sales and capital
Quality Growth 51
Are margins and returns getting better?
Cashflow 80
Do the profits arrive as real cash?
Financial strength 4
Debt, balance sheet and risk of trouble
Investment 82
Does it invest with discipline instead of growing at any price?
Low Volatility 86
How calm the share price moves, does not count
Price momentum 47
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 63
Distance to the 52-week high, does not count
New shares 2
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100
Spin-off in 2012: revenue and profit before it include the divested business. Growth is measured afresh from 2012.
Revenue growth 1 year
−1.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
Start year 2020 (pandemic). Over 10 years: +11.8% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.9%
Dividend (yield on the price)3.0%
Per share before 2012divided by the spin-off factor 1.03
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1.9% vs 6.3%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.27% → 21%
Pace: the 5-year rate starts in 2020 (pandemic)

TOWN screens overvalued: fair value 49% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (89 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Note from the team Oct 11, 2026
AI conclusion: The regional bank builds incremental scale via branch and lending acquisitions in growth corridors but shows limited moat signals overall with average returns and few unique advantages.
Main risk: Folding the acquired community bank into the larger operation risks culture clashes and system incompatibilities that could raise integration costs and limit lasting scale from new deposits.
TowneBank is adding blueharbor bank's local lending relationships and branches along the I-77 corridor through a recent acquisition. The move builds on prior expansions into North Carolina and brings in talent to serve growing markets with a wider product set. At the same time, folding another community bank into the larger operation carries execution risks around culture and systems. Will the new deposits and customer base deliver lasting scale advantages or mainly add integration costs?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside −48.8% · Bottom 25%
Profitability
Return on equity (12 months) 13.3% · Above median
Return on assets 0.9% · Below median
Net margin (12 months) 30.5% · Above median
Operating margin (12 months) 41.9% · Above median
Growth and dividend
Revenue growth (quarter YoY) 29.3% · Top 25%
Dividend yield (12 months) 3.0% · Above median
Balance sheet
Debt / equity 0.14× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 18.3× · Priciest 25%
P/B 1.39× · Pricier than median
P/S (12 months) 2.88× · Cheaper than median
Price / free cash flow (fiscal year) 15.9× · Priciest 25%
EV/EBITDA 13.8× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)53 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)60 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs TOWN
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs TOWN
BNP Paribas SA BNP €91.93 €106.01 +15% vs TOWN
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs TOWN
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs TOWN
UniCredit S.p.A UCG €76.80 €50.44 −34% vs TOWN
Mizuho Financial Group MFG $9.40 $5.89 −37% vs TOWN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs TOWN
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs TOWN
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs TOWN

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Cite: Fair Value Calculator (2026). "Towne Bank Fair Value". https://www.fairvalue-calculator.com/stock/TOWN

Frequently asked questions

Is Towne Bank (TOWN) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $18.64 versus a price of $36.39, about 49% lower (overvalued).
What is the fair value of TOWN?
Our model-based fair value for Towne Bank is $18.64 (as of Nov 7, 2026), built from audited fundamentals. The current price: $36.39.
What is the quality score of TOWN?
Towne Bank has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Towne Bank (TOWN)?
Our model-based price target is the fair value of $18.64 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $15.61, optimistic scenario $21.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Towne Bank stock forecast for 2026?
Our models put fair value at $18.64, about 49% lower versus a price of $36.39 (overvalued). Cautious scenario $15.61, optimistic scenario $21.22. The calculation is refreshed regularly with new filings.
What is the revenue of Towne Bank (TOWN)?
Towne Bank reported trailing-twelve-month revenue of about $1.2B (latest available figure, as of Nov 7, 2026).
Does Towne Bank pay a dividend?
Towne Bank currently shows a dividend yield of 3.02% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Towne Bank (TOWN) and when is the ex-dividend date?
Towne Bank pays a dividend of $1.10 per share a year, a dividend yield of 3.0%. The last ex-dividend date was Sep 25, 2026. A dividend has been paid every year since at least 2003. The payout ratio is 55.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Towne Bank (TOWN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Towne Bank it is $18.64 per share (as of Nov 7, 2026), against a price of $36.39. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Towne Bank stock overvalued or undervalued in 2026?
As of Nov 7, 2026, TOWN trades above its calculated fair value: price $36.39, fair value $18.64, a gap of about −49% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TOWN?
No. The price is what the market pays today ($36.39); the fair value is what the company's own numbers justify ($18.64). For Towne Bank the two are $17.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Towne Bank worth?
The market values Towne Bank at about $3.4B (market capitalisation, as of Nov 7, 2026). Per share that is $36.39; our models calculate a fair value of $18.64 per share.
What do the bullish and bearish scenarios say about TOWN?
Our models span a range for Towne Bank: cautious scenario $15.61, base $18.64, optimistic $21.22 per share (as of Nov 7, 2026, price $36.39). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TOWN?
Towne Bank trades at a price-to-earnings ratio of 18.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.64 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 14.5. Other multiples: P/B 1.4, P/S 2.9, EV/EBITDA 13.8.
How solid is the balance sheet of Towne Bank (TOWN)?
Balance-sheet figures for Towne Bank (as of Nov 7, 2026): return on equity 13.3%, debt of 0.14 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is TOWN from its 52-week high?
Towne Bank trades at $36.39, about 5% below its 52-week high of $38.46 and 20% above the low of $30.42 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $18.64 is for.
Which stocks are comparable to Towne Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Towne Bank stock attractive at the current price?
The data as of Nov 7, 2026: price $36.39, calculated fair value $18.64 (−49%), Quality Score 43/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TOWN calculated?
We run Towne Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $18.64 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Towne Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Towne Bank (TOWN)?
The closing price on Nov 6, 2026 was $36.39. Our model-based fair value is $18.64, about 49% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Towne Bank right now?
The price sits above even our optimistic bull case ($21.22). The favourable scenario is already priced in. Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Towne Bank (TOWN) come from?
Earnings per share at Towne Bank grew +6.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.2 %, EBIT margin −2.8 %, tax rate +1.9 %, residual (interest, one-offs) +0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Towne Bank

How large is the market capitalisation of Towne Bank (TOWN)?
The market capitalisation of Towne Bank is $3.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Towne Bank (TOWN)?
The price-to-sales ratio of Towne Bank is 3.08 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Towne Bank (TOWN)?
Earnings per share at Towne Bank are $1.99 (price ÷ EPS = P/E 18.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Towne Bank (TOWN)?
The dividend yield of Towne Bank is 3.0% (payout 55.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Towne Bank (TOWN)?
The net margin of Towne Bank is 16.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Towne Bank (TOWN)?
The return on equity (ROE) of Towne Bank is 13.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Towne Bank (TOWN)?
On an EBIT basis the return on assets of Towne Bank is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Towne Bank (TOWN)?
The operating margin of Towne Bank is 41.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Towne Bank (TOWN)?
Revenue at Towne Bank is growing +29.3% versus a year earlier (3y avg +10.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Towne Bank (TOWN)?
Earnings per share at Towne Bank are growing +73.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Towne Bank (TOWN) generate?
The free cash flow of Towne Bank is $212M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Towne Bank (TOWN) carry?
The net debt of Towne Bank is $118M (fiscal year 2025, ≈ 0.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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