Towne Bank

TowneBank maintains a conservative capital structure with total assets of $19.69 billion and total equity of $2.42 billion. The debt-to-equity ratio stands at 0.13, indicating low leverage relative to equity. Long-term debt is recorded at $318.69 million. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. The company generated operating cash flow of $261.47 million and free cash flow of $81.92 million in the latest period. Capital expenditures were $49.80 million.

Profitability metrics show a return on equity (ROE) of 6.58% and a return on assets (ROA) of 0.81%. The price-to-earnings ratio is 21.17, and the price-to-book ratio is 1.39. The price-to-tangible book value is also 1.39. The enterprise value to revenue multiple is 6.0. Net income for the period was $169.53 million on revenue of $563.61 million.

Segment and geographic revenue mix data is not available in the provided input. The company's revenue concentration cannot be assessed from the current data set.

Historical revenue and net income trends for the past five years and eight quarters are not provided in the input data. Growth trajectory analysis is therefore omitted.

Risk assessment indicates medium liquidity risk and low dilution risk. A key flag highlights that net cash is negative after subtracting total debt. The company has 92.38 million basic and diluted shares outstanding.

Recent news observations include an allocator boost event on 2026-07-21, ranking #40 with an expected value of 7.45. Analyst estimates show a mean price target of $39.25 and a median target of $39.00. The mean recommendation is 2.50, with two buy ratings and two hold ratings. The high price target is $41.00 and the low is $38.00.

Revenue surged 27.3% year-over-year to $563.6 million, demonstrating strong top-line growth momentum for the fiscal year.

Return on equity of 6.58% exceeds the bank cohort median of 6.44%, indicating superior capital efficiency relative to peers.

Total assets grew 14.2% year-over-year to $19.7 billion, reflecting significant balance sheet expansion and operational scale.

Analysts project 7.4% upside to a mean price target of $39.25, suggesting undervaluation relative to current market price.

Debt-to-equity ratio of 0.13 is well below the cohort median of 0.30, highlighting a conservative leverage profile.

Net income declined 5.8% annually over four years, signaling persistent profitability erosion despite revenue growth.

Free cash flow dropped to $65.2 million in FY2025, down from $167.3 million in FY2022, showing deteriorating cash generation.

Return on assets of 0.81% remains low, suggesting limited ability to generate profits from total asset base.

Medium liquidity risk flags potential challenges in meeting short-term obligations without significant asset liquidation.

Revenue $172.9M, +43,5% YoY; Net income −6,2% YoY.

• ▍Revenue $172.9M, +43,5% YoY
• ▍Net income −6,2% YoY
• ▍Free cash flow −14,3% YoY
• ▍Net margin 23.7%

Revenue $159.0M, +34,6% YoY; Net income +1,7% YoY.

• ▍Revenue $159.0M, +34,6% YoY
• ▍Net income +1,7% YoY
• ▍Net margin 25.6%

Revenue $147.0M, +30,9% YoY; Net income −9,2% YoY.

• ▍Revenue $147.0M, +30,9% YoY
• ▍Net income −9,2% YoY
• ▍Net margin 26.5%

Revenue $137.2M, +25,8% YoY; Net income −9,4% YoY.

• ▍Revenue $137.2M, +25,8% YoY
• ▍Net income −9,4% YoY
• ▍Free cash flow −35,2% YoY
• ▍Net margin 28.3%

Revenue $120.5M; Net margin 36.3%.

• ▍Revenue $120.5M
• ▍Net margin 36.3%

Revenue $118.1M; Net margin 33.9%.

• ▍Revenue $118.1M
• ▍Net margin 33.9%

Revenue $112.3M; Net margin 38.3%.

• ▍Revenue $112.3M
• ▍Net margin 38.3%

Revenue $109.0M; Net margin 39.3%.

• ▍Revenue $109.0M
• ▍Net margin 39.3%

Revenue $563.6M, +27,3% YoY; Net income +5,1% YoY.

• ▍Revenue $563.6M, +27,3% YoY
• ▍Net income +5,1% YoY
• ▍Net margin 30.1%

Revenue $442.6M, −3,3% YoY; Net income +5,0% YoY.

• ▍Revenue $442.6M, −3,3% YoY
• ▍Net income +5,0% YoY
• ▍Free cash flow −12,1% YoY
• ▍Net margin 36.5%

Revenue $457.8M, −0,8% YoY; Net income −18,7% YoY.

• ▍Revenue $457.8M, −0,8% YoY
• ▍Net income −18,7% YoY
• ▍Free cash flow −28,8% YoY
• ▍Net margin 33.6%

Revenue $461.4M, +14,7% YoY; Net income −12,3% YoY.

• ▍Revenue $461.4M, +14,7% YoY
• ▍Net income −12,3% YoY
• ▍Free cash flow −37,8% YoY
• ▍Net margin 41.0%