Towne Bank (TOWN)
NEUTRALFondamentale
50
Prezzo
$37.65
Capitalizzazione
$3.51B
Parte 1 · Quanto vale l'azienda
Panoramica
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.
Per questa società non c'è ancora una scheda redazionale
Concorrenti diretti
Con chi questa società si contende gli stessi clienti
Per questa società non c'è ancora una scheda redazionale
Per questa società non c'è ancora un elenco di concorrenti.
Stato Patrimoniale e Liquidità
Ricavi
$888M
Ultimi 12 mesi (al 31/03/2026)
Utile Netto
$160M
Ultimi 12 mesi (al 31/03/2026)
Free Cash Flow
-
Patrimonio Netto Totale
$2.93B
Passività Totali
$511M
Rapporto di Liquidità
-
Copertura Interessi
-
Debito/EBITDA
-
Utile per Azione
Ricavi e Utile Netto
Free Cash Flow
Scomposizione Ricavi
Prospetto storico
Margini nel tempo
Il debito nel tempo
Quanto pesa il debito
Griglia della crescita
Crescita — Ricavi
Stima del Fair Value
Fair Value
$29.73
Prezzo Attuale
$37.65
Margine di Sicurezza
-26.6%
Range Fair Value
$22.68 - $36.79
Metodi di Stima
Metriche di Valutazione
Rapporto P/E
18.26
ROE
12.2%
Rapporto P/B
1.20
P/FCF
-
Margine Lordo
0.0%
ROIC
15.7%
Radar Redditività
Creazione di Valore (Vantaggio Competitivo)
ROIC
15.7%
WACC
7.5%
ROIC − WACC
+8.2 pp
Il ROIC supera il costo del capitale: l'azienda sta creando valore per gli azionisti.
Criteri di Analisi Fondamentale
Superati (7)
- ROIC 15.7%
- P/B Ratio 1.20
- Debt/Equity ratio
- ROE 11.7%
- Revenue Growth 5Y 11.2%
- Analyst Consensus 70% Buy
- Earnings Quality (OCF/NI) 1.06
Non superati (7)
- Price CAGR 1.28%
- Gross Margin 0.0%
- DCF valuation (Unknown)
- Earnings Surprise avg -1.9%
- PEG Ratio 5.91
- Net Margin Trend 20.3% vs 23.3%
- Piotroski F-Score 2/9
Non disponibili (13)
- EPS data insufficient
- P/FCF NaN
- Dividend Payout NaN%
- Operating Margin NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- Share Dilution (missing shares data)
Piotroski F-Score
Preoccupazioni finanziarie serie
Qualità degli Utili
Alta qualità: utili supportati da cash
Diluizione Azionaria
Riacquisto azioni. Favorevole agli azionisti
Governance
Team Dirigenziale
| Nome | Ruolo | Età |
|---|---|---|
| Mr. G. Robert Aston Jr. | Executive Chairman | 80 |
| Mr. William I. Foster III | CEO, President & Director | 69 |
| Mr. William B. Littreal CPA | Senior Executive VP & CFO | 55 |
| Mr. Ernest S. Piccioli | Senior Executive VP & Chief Risk Officer | 58 |
| Mr. William T. Morrison | Director | 62 |
| Mr. Steven W. Jones | President of the Carolinas & Director | 56 |
| Mr. R. Lee Clark | Senior Executive VP & COO | 57 |
| Mr. Kevin L. Fly | Senior EVP & Chief Accounting Officer | 59 |
| Mr. Varun Chandhok | Senior EVP & Chief Information Officer | 52 |
| Mr. George P. Whitley J.D. | Senior Executive VP & Chief Legal Officer | 72 |
Rischio Audit
4
Rischio CdA
8
Rischio Compensi
5
Rischio Diritti Azionisti
9
Parte 2 · Il prezzo e il momento d'ingresso
Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.
Ultime Notizie
Ultime notizie per TOWN, da Markets Gazette.