TowneBank (TOWN) Compounding Analysis

TowneBank(TOWN)

Banks - Regional · Portsmouth, VA

$35.41-0.43 (-1.20%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About TowneBank

TowneBank functions as a comprehensive financial institution, delivering a wide array of retail and commercial banking services to individuals, businesses, and professionals. Its operations are structured across three primary divisions: Banking, Realty, and Insurance. Clients can establish diverse deposit accounts, such as checking accounts, standard savings, high-yield savings, certificates of deposit (CDs), and individual retirement accounts. The bank facilitates various lending solutions, including secured and unsecured personal loans for purchases like vehicles, home renovations, educational expenses, and individual investments. It also extends commercial loans designed for working capital, business growth, and the acquisition of equipment. Furthermore, TowneBank provides mortgage financing, encompassing general home loans and specialized loans for real estate acquisition, development, and construction. Beyond core lending and deposit offerings, TowneBank delivers practical services like safe deposit boxes, comprehensive treasury management, direct deposit for paychecks and government benefits, and automated transfers. Modern banking conveniences are also available through its online, mobile, and on-call platforms. Moreover, it supports investors with documentation for tax deferral, offers expertise in investment and asset management, and provides commercial mortgage brokerage. The institution also delivers a suite of financial planning services, including retirement and estate planning, and guides clients through diverse investment opportunities like alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing programs. Its realty division handles residential real estate services, including relocation assistance, property management, vacation rentals, and title and settlement processes. It also originates residential mortgage loans. Through its insurance arm, TowneBank furnishes various types of coverage, such as life, property, casualty, and auto insurance. It additionally administers employee benefits packages, encompassing health, dental, vision, and disability insurance. TowneBank maintains a regional presence across Richmond and the greater Hampton Roads area in southeastern Virginia, extending into northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. Founded in 1998, TowneBank's corporate headquarters are situated in Portsmouth, Virginia.

Portsmouth, VA

2,932 employees

www.townebank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: William I. Foster

View full financials

Across metrics · 10Y

TOWN reported stats per metric over 10Y: annual CAGR, median quarterly year-over-year growth, YoY standard deviation, quarters at or above 20%, and negative quarters.
Metric	10Y CAGR	Median YoY	YoY σ	Qtrs ≥ 20%	Neg. qtrs
RevenueRevenue	11.8%	10.9%	17.2pp	14 of 40	6
EPSEPS	6.1%	0%	37.8pp	12 of 40	18
Op cash flowOperating cash flow	12.4%	-34.2%	71.1pp	9 of 40	19
EBITDAEBITDA	8.7%	5.3%	32.7pp	14 of 40	18
FCFFree cash flow	13.9%	-38.5%	73.1pp	8 of 40	19

Reported figures over 10Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.