TowneBank
TOWNFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
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Daily timeframeTowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in the United States. The $3.09B market capitalization puts TOWN squarely in mid-cap range for its industry. It operates through four segments: Banking, Mortgage, Resort Vacation Management, and Insurance.
Market Cap
$3.09B
Beta
0.73
P/E (TTM)
16.26
P/E (Fwd)
9.71
EPS (TTM)
$2.08
EPS (Fwd)
$3.48
ROE
6.6%
ROA
0.8%
Cash
$224.9M
Total Debt
$575.8M
Free CF
—
52W Change
0.4%
Annual Financials
Cash vs Debt
The company holds $224.9M in cash, though total debt stands at $575.8M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 6.6%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $686.4M (2022) to $833.7M (2025), reflecting a 21% increase over the period.
As with any equity investment, TOWN carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for TowneBank and its sector.