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Upturn AI SWOT - About
TOWN 
Towne Bank (TOWN)
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Upturn Advisory Summary
10/15/2025: TOWN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $40.5
1 Year Target Price $40.5
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.23% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.66B USD | Price to earnings Ratio 14.61 | 1Y Target Price 40.5 |
Price to earnings Ratio 14.61 | 1Y Target Price 40.5 | ||
Volume (30-day avg) 4 | Beta 0.85 | 52 Weeks Range 28.98 - 37.39 | Updated Date 10/17/2025 |
52 Weeks Range 28.98 - 37.39 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.14% | Basic EPS (TTM) 2.31 |
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.76 | Actual - |
Profitability
Profit Margin 23.41% | Operating Margin (TTM) 36.35% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 8.07% |
Valuation
Trailing PE 14.61 | Forward PE - | Enterprise Value 2588517120 | Price to Sales(TTM) 3.59 |
Enterprise Value 2588517120 | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 78914503 | Shares Floating 69371872 |
Shares Outstanding 78914503 | Shares Floating 69371872 | ||
Percent Insiders 6.51 | Percent Institutions 56.66 |
Upturn AI SWOT
Towne Bank
Company Overview
History and Background
Towne Bank was founded in 1999 in Hampton Roads, Virginia. It focused on community banking and expanded through organic growth and acquisitions. Key milestones include achieving significant asset growth and expanding its service area.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and online banking.
- Mortgage Banking: Offers mortgage origination and servicing through its Towne Mortgage subsidiary.
- Insurance: Provides insurance products and services through Towne Insurance.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
G. Robert Aston, Jr. serves as Executive Chairman. The organizational structure includes regional presidents and functional departments overseeing various banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Towne Bank provides commercial loans to businesses of various sizes. Market share data is not readily available. Competitors include Truist, Bank of America, and local community banks.
- Residential Mortgages: Towne Mortgage originates residential mortgages. Market share data is not readily available. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Offer checking, savings, and money market accounts. Specific market share unavailabe but important product. Competitors include: Truist, Bank of America, Capital One
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, interest rate volatility, and competition from fintech companies.
Positioning
Towne Bank positions itself as a community-focused bank with strong relationships with its customers. Its competitive advantages include local expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Hampton Roads and surrounding areas is estimated to be in the billions of dollars. Towne Bank is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- Diversified revenue streams
- Solid capital base
Weaknesses
- Limited geographic footprint compared to larger banks
- Reliance on the Hampton Roads market
- Potentially higher operating expenses compared to larger, more efficient banks
- Vulnerable to the regional economy
Opportunities
- Expansion into new markets within Virginia and North Carolina
- Increased focus on digital banking services
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increasing competition from national and regional banks
- Economic downturn in the Hampton Roads region
- Rising interest rates
- Increased regulatory burden
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TRST
- BAC
- C
- PNC
- BBT
Competitive Landscape
Towne Bank faces competition from larger national and regional banks, as well as smaller community banks. Its advantages include its local focus and strong customer relationships. Disadvantages are its limited resources compared to larger players.
Major Acquisitions
Southern Financial Bancorp
- Year: 2015
- Acquisition Price (USD millions): 276
- Strategic Rationale: Expanded Towne Bank's presence in the Richmond, Virginia market.
Growth Trajectory and Initiatives
Historical Growth: Towne Bank has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates project continued moderate growth in revenue and earnings, driven by expansion into new markets and increased efficiency.
Recent Initiatives: Recent initiatives include investments in technology to enhance digital banking services and expansion into the Raleigh, North Carolina market.
Summary
Towne Bank is a community-focused bank with a strong presence in the Hampton Roads area. It has shown consistent growth and maintains a healthy balance sheet. While it faces competition from larger banks, its local expertise and customer relationships provide a competitive advantage. Future growth depends on successful expansion and adaptation to the changing banking landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- MarketWatch
- Yahoo Finance
- SNL Financial
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information. Analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Towne Bank
Exchange NASDAQ | Headquaters Portsmouth, VA, United States | ||
IPO Launch date 1999-05-07 | CEO, President & Director Mr. William I. Foster III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2907 | Website https://www.townebank.com |
Full time employees 2907 | Website https://www.townebank.com | ||
TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals in Virginia and North Carolina. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential property management services, real estate brokerage services, vacation rentals, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. TowneBank was incorporated in 1998 and is based in Portsmouth, Virginia.
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