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TowneBank

TOWN
53
Banks - Regional · Financial Services
Price
$37.75
+0.26 (+0.69%)
Market Cap
$3.48B
Exchange
NASDAQ
Winston Score
53
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Mixed
Growth
Good
Capital Strength
Strong
Asset Quality
Exceptional
Valuation
Good
Dividends
Exceptional
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Share count rising — dilution

+5.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 72.6M (2021) → 76.8M (2025)

Winston Score History

The full picture

TowneBank is a community bank based in Suffolk, Virginia, that serves individuals, families, and businesses across the Hampton Roads and Richmond areas of Virginia, as well as parts of North Carolina. It offers everyday banking services like checking accounts, loans, and mortgages, along with wealth management and insurance through its subsidiaries. It is one of the larger community banks in the Mid-Atlantic region.

TowneBank makes money primarily through interest income — the difference between what it charges borrowers and what it pays depositors — plus fees from mortgage banking, insurance, and wealth management services. It operates mostly in Virginia and North Carolina, with roughly $17 billion in total assets as of recent filings. Its local roots and long-standing customer relationships give it a loyalty advantage over big national banks, but rising interest rates and credit quality in its real estate-heavy loan portfolio remain key risks to watch.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+79.0% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+303.8% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.7%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$20.2B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

TowneBank grew revenue 79% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
6.2%
no trend
Weak — 6.2% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.73%
no trend
Wide spread — 3.73% net interest margin
Cost of running the bank
Efficiency Ratio
78.3%
no trend
Bloated cost base — 78.3% efficiency ratio

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Growth

Sales growth
Sales YoY
+23.6%
Fast-growing sales (+23.6% YoY)
Profit growth
EPS YoY
+55.0%
Earnings growing fast (+55.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
3/8 quarters
Earnings rarely grow — volatile business

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Capital Strength

Safety cushion
Capital Ratio
11.4%
no trend
Well capitalised — 11.4% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.23%
no trend
Clean loan book — 0.23% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.05%
no trend
Minimal losses — 0.05% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
10.5x
Attractive valuation — P/E 10.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.9
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
4.73%
Healthy income — 4.73% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record
Dividend Growth
+46.2%
Dividend growing fast (46.2% YoY)

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