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TowneBank TOWN | NASDAQ

$36.45 $0.36 | 1.00%

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|2026-09-22

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Company Overview:

Market Cap: $3.36B

Trailing PE: —

FWD PE: —

Payout Ratio (TTM): 48.4%

52-Week Range: $31.91 - $39.03

7.4 Year TOWN Performance Metrics:

Total Return (with DRIP): 67.2% (7.19% CAGR)

Total Return (no DRIP): 57.6% (6.34% CAGR)

Share Price: 32.8% (3.91% CAGR)

Yield on Cost (with DRIP): 5.14%

Total Invested: $10,000

Total Value (with DRIP): $16,721

Total Return $ (with DRIP): $6,721

Dividend Increase: 55.6% (6.29% CAGR)

Dividend Yield (FWD): 3.07% ($1.12)

TOWN 7.4-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

TOWN Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

TOWN Price CAGR:1Y: 11.88%2Y: 5.68%5Y: 2.95%10Y: 3.93%

TOWN Dividend Charts

TOWN - Dividends

TOWN Dividend CAGR:1Y: 2.96%2Y: 5.18%5Y: 6.63%10Y: 7.78%

TOWN - Dividend Payout Ratio

TOWN Dividend Payout Ratio CAGR:1Y: -4.45%2Y: 2.91%5Y: 14.57%10Y: -9.77%

TOWN - Dividend to Free Cash Flow Ratio

TOWN Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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TOWN - Chart 1

TOWN - Chart 2

TOWN - Chart 3

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TOWN Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

TOWN - Revenue

TOWN Revenue CAGR:1Y: 139.76%2Y: 38.38%5Y: 24.34%10Y: 19.43%

TOWN - Earnings Per Share (EPS)

TOWN EPS CAGR:1Y: 309.80%2Y: 91.49%5Y: 22.10%10Y: 33.08%

TOWN - Net Income

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TOWN Net Income CAGR:1Y: 391.96%2Y: 112.32%5Y: 28.19%10Y: 40.91%

TOWN - EBITDA

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TOWN EBITDA CAGR:1Y: 322.51%2Y: 105.38%5Y: 23.72%10Y: 28.01%

TOWN - Free Cash Flow

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TOWN Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

TOWN - Free Cash Flow / Share

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TOWN Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

TOWN - Operating Income

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TOWN Operating Income CAGR:1Y: 403.70%2Y: 122.68%5Y: 25.82%10Y: 30.96%

TOWN - Gross Profit

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TOWN Gross Profit CAGR:1Y: 109.53%2Y: 55.08%5Y: 0.00%10Y: 0.00%

TOWN - Shares Outstanding

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TOWN Shares Outstanding CAGR:1Y: 22.40%2Y: 11.01%5Y: 4.97%10Y: 5.90%

TOWN - Share Buybacks

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TOWN Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

TOWN - Stock-Based Comp

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TOWN Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

TOWN - Expenses

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TOWN Expenses CAGR:1Y: -32.21%2Y: 23.38%5Y: -0.33%10Y: 8.14%

TOWN - Revenue vs Net Income

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TOWN - EPS vs FCF / Share

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TOWN - EPS vs PE Ratio

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TOWN - FCF vs FCF / Share

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TOWN - FCF vs Stock Based Comp

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TOWN - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

TOWN - REVENUE: Actual + Estimates

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TOWN Actual Revenue CAGR:1Y: 139.76%2Y: 38.38%5Y: 24.34%10Y: 19.43%

TOWN - EPS: Actual + Estimates

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TOWN Actual EPS CAGR:1Y: 309.80%2Y: 91.49%5Y: 22.10%10Y: 33.08%

TOWN - NET INCOME: Actual + Estimates

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TOWN Actual Net Income CAGR:1Y: 391.96%2Y: 112.32%5Y: 28.19%10Y: 40.91%

TOWN - EBITDA: Actual + Estimates

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TOWN Actual EBITDA CAGR:1Y: 322.51%2Y: 105.38%5Y: 23.72%10Y: 28.01%

Ratios, Profit Margins & Return on Capital:

TOWN - Net Profit Margin

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TOWN Net Profit Margin CAGR:1Y: 177.83%2Y: 53.43%5Y: 3.09%10Y: 17.99%

TOWN - Gross Profit Margin

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TOWN Gross Profit Margin CAGR:1Y: 17.06%2Y: 12.07%5Y: -3.27%10Y: -1.65%

TOWN - Price to Earnings

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TOWN Price to Earnings CAGR:1Y: -73.75%2Y: -39.55%5Y: -15.26%10Y: -20.89%

TOWN - Price To Sales Ratio

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TOWN Price To Sales Ratio CAGR:1Y: -27.44%2Y: -7.16%5Y: -12.61%10Y: -6.65%

TOWN - Return on Capital Employed

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TOWN Return on Capital Employed CAGR:1Y: -34.97%2Y: -22.13%5Y: 17.16%10Y: 17.97%

TOWN - Return on Invested Capital

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TOWN Return on Invested Capital CAGR:1Y: -36.00%2Y: -25.42%5Y: -20.81%10Y: 0.11%

TOWN Dividends Info:

Annual Dividend: $1.12

Forward Yield: 3.07%

Ex-Dividend Date: 2026-09-25

Lifetime Dividends / Share: $13.23

TOWN Dividend History: Dates, Payments & Yield list

Below is a schedule of all TOWN dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/25/2026	09/28/2026	$0.280	3.08%	3.1%	$36.09
06/26/2026	06/29/2026	$0.280	3.08%	3.09%	$36.26
05/04/2026	05/06/2026	$0.700	8.1%	8.06%	$34.76
03/31/2026	04/02/2026	$0.270	3.21%	3.19%	$33.90
12/26/2025	12/29/2025	$0.270	3.21%	3.21%	$33.61
09/29/2025	10/01/2025	$0.270	3.11%	3.16%	$34.22
06/27/2025	06/30/2025	$0.270	3.14%	3.16%	$34.18
03/31/2025	04/02/2025	$0.250	2.92%	2.95%	$33.90
12/31/2024	01/02/2025	$0.250	2.94%	3.01%	$33.22
09/30/2024	10/02/2024	$0.250	3.02%	3.08%	$32.44
06/28/2024	07/01/2024	$0.250	3.67%	3.7%	$27.01
03/27/2024	03/29/2024	$0.250	3.6%	3.79%	$26.40
12/28/2023	01/01/2024	$0.250	3.29%	3.48%	$28.74
09/28/2023	10/02/2023	$0.250	4.39%	4.46%	$22.44
06/29/2023	07/03/2023	$0.250	4.23%	4.23%	$23.63
03/29/2023	03/31/2023	$0.230	3.37%	3.45%	$26.65
12/29/2022	01/12/2023	$0.230	2.97%	2.93%	$31.36
09/29/2022	10/14/2022	$0.230	3.39%	3.16%	$29.16
06/29/2022	07/12/2022	$0.230	3.39%	3.33%	$27.66
03/29/2022	04/08/2022	$0.200	2.57%	2.76%	$28.98
12/29/2021	01/12/2022	$0.200	2.52%	2.38%	$33.61
09/29/2021	10/12/2021	$0.200	2.59%	2.51%	$31.86
06/29/2021	07/09/2021	$0.200	2.63%	2.63%	$30.47
03/29/2021	04/09/2021	$0.180	2.39%	2.33%	$30.91
12/29/2020	01/11/2021	$0.180	3.13%	2.83%	$25.48
09/29/2020	10/09/2020	$0.180	4.43%	3.94%	$18.27
06/29/2020	07/10/2020	$0.180	3.89%	4.08%	$17.65
03/27/2020	04/10/2020	$0.180	4.24%	3.64%	$19.79
12/27/2019	01/10/2020	$0.180	2.58%	2.6%	$27.71
09/27/2019	10/10/2019	$0.180	2.59%	2.66%	$27.09
06/27/2019	07/10/2019	$0.180	2.65%	2.65%	$27.15
03/28/2019	04/10/2019	$0.160	0%	2.33%	$27.45
12/27/2018	01/11/2019	$0.160	0%	2.33%	$27.45
09/27/2018	10/10/2018	$0.160	0%	2.33%	$27.45
06/28/2018	07/10/2018	$0.160	0%	2.33%	$27.45
03/28/2018	04/10/2018	$0.140	0%	2.04%	$27.45
12/28/2017	01/12/2018	$0.140	0%	2.04%	$27.45
09/28/2017	10/12/2017	$0.140	0%	2.04%	$27.45
06/28/2017	07/12/2017	$0.140	0%	2.04%	$27.45
03/28/2017	04/12/2017	$0.130	0%	1.89%	$27.45
12/28/2016	01/12/2017	$0.130	0%	1.89%	$27.45
09/28/2016	10/12/2016	$0.130	0%	1.89%	$27.45
06/28/2016	07/12/2016	$0.130	0%	1.89%	$27.45
03/28/2016	04/12/2016	$0.120	0%	1.75%	$27.45
12/28/2015	01/12/2016	$0.120	0%	1.75%	$27.45
09/28/2015	10/09/2015	$0.120	0%	1.75%	$27.45
06/26/2015	07/10/2015	$0.120	0%	1.75%	$27.45
03/26/2015	04/10/2015	$0.110	0%	1.6%	$27.45
12/26/2014	01/12/2015	$0.110	0%	1.6%	$27.45
09/24/2014	10/10/2014	$0.110	0%	1.6%	$27.45
06/25/2014	07/11/2014	$0.110	0%	1.6%	$27.45
03/26/2014	04/11/2014	$0.100	0%	1.46%	$27.45
12/27/2013	01/10/2014	$0.100	0%	1.46%	$27.45
09/25/2013	10/11/2013	$0.100	0%	1.46%	$27.45
06/26/2013	07/12/2013	$0.090	0%	1.31%	$27.45
03/26/2013	04/12/2013	$0.090	0%	1.31%	$27.45
12/05/2012	12/28/2012	$0.090	0%	1.31%	$27.45
09/26/2012	10/12/2012	$0.080	0%	1.17%	$27.45
06/27/2012	07/12/2012	$0.080	0%	1.17%	$27.45
03/28/2012	04/12/2012	$0.078	0%	1.13%	$27.45
12/28/2011	01/12/2012	$0.078	0%	1.13%	$27.45
09/28/2011	10/12/2011	$0.078	0%	1.13%	$27.45
06/28/2011	07/12/2011	$0.078	0%	1.13%	$27.45
03/29/2011	04/12/2011	$0.078	0%	1.13%	$27.45
12/29/2010	01/11/2011	$0.078	0%	1.13%	$27.45
09/28/2010	10/12/2010	$0.078	0%	1.13%	$27.45
06/28/2010	07/12/2010	$0.078	0%	1.13%	$27.45
03/29/2010	04/12/2010	$0.078	0%	1.13%	$27.45
12/29/2009	01/11/2010	$0.078	0%	1.13%	$27.45
09/28/2009	10/09/2009	$0.078	0%	1.13%	$27.45
06/29/2009	07/10/2009	$0.078	0%	1.13%	$27.45
03/30/2009	04/10/2009	$0.078	0%	1.13%	$27.45
12/29/2008	01/09/2009	$0.078	0%	1.13%	$27.45
09/29/2008	10/10/2008	$0.078	0%	1.13%	$27.45
06/27/2008	07/10/2008	$0.078	0%	1.13%	$27.45
03/28/2008	04/10/2008	$0.078	0%	0.57%	$27.45
12/27/2007	01/10/2008	$0.078	0%	0.57%	$27.45
09/27/2007	10/11/2007	$0.078	0%	0.28%	$27.45
06/28/2007	07/16/2007	$0.078	0%	0.28%	$27.45
03/29/2007	04/16/2007	$0.078	0%	0.28%	$27.45
12/18/2006	01/16/2007	$0.291	0%	1.06%	$27.45
02/22/2006	03/10/2006	$0.223	0%	0.81%	$27.45
02/23/2005	03/14/2005	$0.123	0%	0.45%	$27.45
04/16/2004	04/21/2004	$0.063	0%	0.23%	$27.45
04/23/2003	05/08/2003	$0.031	0%	0.46%	$27.45

Projected Future Returns & Dividends for TOWN

Based on past 7.4-year performance, here are TOWN growth metrics:

Share price CAGR of +3.91%
Dividend CAGR of +7.98%

Using TOWN CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	TOWN (DRIP)	TOWN - No DRIP
Current Price	$36.45	$36.45
Start Shares	274.35	274.35
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	395.56	274.35
Dividends Payment	$0.60	$0.60
Annual Dividends	$955	$662
Yield on cost	9.55%	6.62%
Share Price	$53.47	$53.47
Total Dividends	$5,406	$4,448
Final Value	$21,151	$19,117

Estimated Future Value + Dividends - TOWN

NOTE: Above numbers are our estimate based on TOWN's Dividend and Price CAGR over past 7.4 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

TowneBank (TOWN) had its IPO on 1999-05-05, and is traded on NASDAQ stock exchange.

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.

TOWN website: https://www.townebank.com

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Loading signals…

DCF Model — TOWN

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $36.45

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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