Towne Bank (TOWN)
OvervaluedFundamental
53
मूल्य
$35.67
मार्केट कैप
$3.30B
भाग 1 · कंपनी का मूल्य कितना है
अवलोकन
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
बैलेंस शीट और तरलता
राजस्व
$888M
पिछले 12 महीने (31/3/2026 तक)
शुद्ध आय
$160M
पिछले 12 महीने (31/3/2026 तक)
Free Cash Flow
-
कुल इक्विटी
$3.03B
कुल देनदारियाँ
$511M
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
-
Earnings Per Share
राजस्व और शुद्ध आय
Free Cash Flow
आय विवरण
ऐतिहासिक विवरण
समय के साथ मार्जिन
समय के साथ ऋण
ऋण कितना भारी है
वृद्धि तालिका
वृद्धि — राजस्व
Fair Value अनुमान
Fair Value
$29.37
वर्तमान मूल्य
$35.67
Margin of Safety
-21.5%
Fair Value सीमा
$22.16 - $36.59
इस्तेमाल किए गए valuation methods के बीच का फैलाव, कोई सांख्यिकीय रूप से calibrated confidence interval नहीं।
अनुमान विधियाँ
मूल्यांकन मेट्रिक्स
P/E Ratio
17.14
ROE
12.2%
P/B Ratio
1.09
P/FCF
-
Gross Margin
0.0%
ROIC
15.2%
लाभप्रदता Radar
मूल्य सृजन (प्रतिस्पर्धी बढ़त)
ROIC
15.2%
WACC
7.5%
ROIC − WACC
+7.7 pp
ROIC पूंजी की लागत से अधिक है — कंपनी शेयरधारकों के लिए मूल्य सृजित कर रही है।
Fundamental विश्लेषण मानदंड
पास (7)
- ROIC 15.2%
- P/B Ratio 1.09
- Debt/Equity ratio
- ROE 11.7%
- Revenue Growth 5Y 11.2%
- Analyst Consensus 70% Buy
- Earnings Quality (OCF/NI) 1.06
फेल (7)
- Price CAGR 0.82%
- Gross Margin 0.0%
- DCF valuation (Unknown)
- Earnings Surprise avg -1.9%
- PEG Ratio 5.55
- Net Margin Trend 20.3% vs 23.3%
- Piotroski F-Score 2/9
अनुपलब्ध (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
गंभीर वित्तीय चिंताएं
Earnings गुणवत्ता
उच्च गुणवत्ता: earnings नकदी द्वारा समर्थित
शेयर Dilution
शेयर वापस खरीद रही है। शेयरधारक अनुकूल
संस्थागत होल्डिंग
इस कंपनी के लिए कोई संस्थागत घोषणा उपलब्ध नहीं है।
प्रशासन
कार्यकारी टीम
| नाम | पद | आयु |
|---|---|---|
| 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 |
Audit जोखिम
4
बोर्ड जोखिम
8
मुआवजा जोखिम
5
शेयरधारक अधिकार जोखिम
9
भाग 2 · कीमत और खरीदने का समय
यह हिस्सा यह नहीं बताता कि कंपनी अच्छी है या नहीं: यह तय करने में मदद करता है कि उसे कब खरीदें, जब फंडामेंटल आपको आश्वस्त कर चुके हों। इसमें: तकनीकी विश्लेषण, संभावना, ऐतिहासिक गिरावट, गामा एक्सपोज़र।
Latest News
Recent headlines for TOWN, sourced from Markets Gazette.