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Upturn AI SWOT - About
TOWN 
Towne Bank (TOWN)
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Upturn Advisory Summary
08/08/2025: TOWN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $41
1 Year Target Price $41
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.13% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.66B USD | Price to earnings Ratio 15.15 | 1Y Target Price 41 |
Price to earnings Ratio 15.15 | 1Y Target Price 41 | ||
Volume (30-day avg) 4 | Beta 0.86 | 52 Weeks Range 29.20 - 37.59 | Updated Date 08/9/2025 |
52 Weeks Range 29.20 - 37.59 | Updated Date 08/9/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 2.33 |
Earnings Date
Report Date 2025-07-23 | When After Market | Estimate 0.65 | Actual 0.81 |
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 15.15 | Forward PE - | Enterprise Value 2651625216 | Price to Sales(TTM) 3.59 |
Enterprise Value 2651625216 | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 3.88 | Enterprise Value to EBITDA - | Shares Outstanding 75424600 | Shares Floating 68895818 |
Shares Outstanding 75424600 | Shares Floating 68895818 | ||
Percent Insiders 7.02 | Percent Institutions 58.72 |
Upturn AI SWOT
Towne Bank
Company Overview
History and Background
Towne Bank was founded in 1999 in Hampton Roads, Virginia. It has grown through organic expansion and strategic acquisitions, focusing on community banking and relationship-based services.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and wealth management, to individuals and businesses.
- Residential Mortgage: Offers mortgage lending services through its network of branches and mortgage professionals.
- Commercial Banking: Provides banking services to businesses of all sizes, including commercial lending, treasury management, and merchant services.
- Insurance: Offers a full range of insurance products and services.
Leadership and Structure
G. Robert Aston, Jr. is the Executive Chairman. William I. Foster, III is the CEO. The company has a traditional hierarchical organizational structure with regional presidents and department heads reporting to executive management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products, including fixed-rate, adjustable-rate, and government-backed loans. Market share data varies by region; competitive landscape includes large national banks and local mortgage brokers. Competitors include Wells Fargo, Bank of America, and Truist.
- Commercial Loans: Provides loans to businesses for working capital, equipment financing, and real estate development. Competitors include Truist, PNC, and other regional banks.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include Bank of America, Wells Fargo, and online banks.
- Wealth Management: Financial planning services, investment management, and trust services. Competitors include Merrill Lynch, Morgan Stanley, and other wealth management firms.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic uncertainty also impact profitability.
Positioning
Towne Bank positions itself as a community-focused bank with a strong emphasis on customer service and local relationships. It differentiates itself through personalized banking solutions and community involvement.
Total Addressable Market (TAM)
The TAM for community banking in the Mid-Atlantic region is estimated to be in the billions of dollars. Towne Bank is positioned to capture a significant portion of this market through its local presence and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Excellent customer service
- Experienced management team
- Solid asset quality
- Strong deposit base
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller scale compared to national banks
- Higher operating expenses than some competitors
Opportunities
- Expansion into new markets within the Mid-Atlantic region
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Acquisition opportunities
Threats
- Rising interest rates
- Increased competition from online banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BBT
- PNC
- BOH
- FFWM
Competitive Landscape
Towne Bank competes with both national and regional banks. Its advantages include strong local relationships and personalized service. Its disadvantages include smaller scale and limited geographic diversification compared to larger competitors.
Major Acquisitions
WindsorMeade Marketplace
- Year: 2019
- Acquisition Price (USD millions): 45
- Strategic Rationale: To diversify revenue streams and expand service offerings in the senior living market.
Growth Trajectory and Initiatives
Historical Growth: Towne Bank has experienced steady growth in assets, loans, and deposits over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for Towne Bank, driven by expansion into new markets and increased demand for its services. Growth will be dependent on overall economic conditions and interest rate environment.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions to expand its geographic footprint.
Summary
Towne Bank is a well-established community bank with a strong local presence and customer focus. Its solid asset quality and experienced management team are key strengths. However, its limited geographic diversification and reliance on traditional banking models pose challenges in a rapidly evolving market. Continued investments in digital technology and expansion into new markets are crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data are estimates and may vary. Financial data 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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