TowneBank (TOWN) Stock Score, Valuation & Financial Research
TowneBank is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 51/100.
Quick answer for TOWN
TowneBank currently has a Wall Street Score of 51/100. The stored market price is $37.58. Its financial score is 33/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What TowneBank does
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, developmen
TOWN financial snapshot
- Wall Street Score:
- 51/100
- Current price:
- $37.58
- Market capitalization:
- $3.46B
- Revenue:
- $1.30B
- Net income:
- $313.8M
- Free cash flow:
- $211.7M
- Cash:
- $158.8M
- Total debt:
- $450.2M
- EPS:
- 2.22
- P/E ratio:
- 16.9x
- Financial score:
- 33/100
- Valuation score:
- 93/100
- Revenue score:
- 48/100
What stands out
- Reported year-over-year revenue growth is +0.3%.
- Free cash flow is $211.7M, showing positive cash generation.
- The balance sheet shows $158.8M of cash versus $450.2M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 33/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research TOWN
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.