TOWN
TowneBank
Financial Services · Banks - Regional · NMS
$34.14
Data: 2026-05-28
✗ ETHICAL FAIL

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$3.1B
Total market value of the company
16.37
Reasonably valued
9.77
Based on estimated future earnings — lower means cheaper
Rev Growth
+36.2%
Year-over-year revenue change
Profit Margin
19.0%
How much profit the company keeps from each dollar of revenue
6.6%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$39.00
+14% from current price — median analyst estimate
Recommendation
NONE
Consensus view from 4 analysts covering this stock
About TowneBank

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. 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.

https://www.townebank.com

Country: United States Employees: 3,138 Industry: Banks - Regional
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% N/A
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

MARKDOWN
Price trending down — defensive positioning
0.784
Good returns relative to risk taken
0.0567
Suggested allocation is meaningful — the edge justifies a position
1.001
Returns exceed worst-case losses — strong risk profile
Annual Return
18.4%
Historical annualised return based on price data
-18.4%
Largest peak-to-trough decline — the worst it has been
BEAR
Statistical model detects bearish conditions
Days in State
268
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.73
Less volatile than the market — more defensive
52W High
$37.86
10% below the year high
52W Low
$31.91
7% above the year low
Avg Volume
536,467
Average daily shares traded — higher means easier to buy and sell
3.7
Days it would take all short sellers to cover — higher means more crowded
Short % Float
N/A
320.0%
Annual dividend as a percentage of the share price
$2.08
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
0.0%
Revenue left after cost of goods — higher means pricing power
Operating Margin
35.8%
Profit from core operations before interest and tax
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$877M
Total revenue over the last 12 months
Net Income
$167M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
4
Target High
$41.00
Target Median
$39.00
Target Low
$38.00
Political Trading Activity

Congressional trading disclosures involving this instrument

Date Politician Party Type Amount
6 May2026 Dave McCormick Republican buy 250K–500K
30 Apr2026 Dave McCormick Republican sell 15K–50K
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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