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Upturn AI SWOT - About
TOWN 
Towne Bank (TOWN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: 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
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Year Target Price $39
Year Target Price $39
| 1 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.34% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.59B USD | Price to earnings Ratio 14.54 | 1Y Target Price 39 |
Price to earnings Ratio 14.54 | 1Y Target Price 39 | ||
Volume (30-day avg) 4 | Beta 0.84 | 52 Weeks Range 25.83 - 37.44 | Updated Date 06/30/2025 |
52 Weeks Range 25.83 - 37.44 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.97% | Basic EPS (TTM) 2.35 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.82% | Operating Margin (TTM) 32.98% |
Management Effectiveness
Return on Assets (TTM) 1.04% | Return on Equity (TTM) 8.34% |
Valuation
Trailing PE 14.54 | Forward PE - | Enterprise Value 2666548480 | Price to Sales(TTM) 3.62 |
Enterprise Value 2666548480 | Price to Sales(TTM) 3.62 | ||
Enterprise Value to Revenue 3.98 | Enterprise Value to EBITDA - | Shares Outstanding 75397104 | Shares Floating 69020297 |
Shares Outstanding 75397104 | Shares Floating 69020297 | ||
Percent Insiders 0.15 | Percent Institutions 58.7 |
Analyst Ratings
Rating 2 | Target Price 39 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Towne Bank
Company Overview
History and Background
Towne Bank was founded in 1999 in Hampton Roads, Virginia, with a focus on serving the needs of businesses and individuals in its local communities. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Offers a wide range of deposit accounts, loans, and other banking services to individuals and businesses.
- Mortgage Banking: Provides mortgage loan origination and servicing through its Towne Mortgage division.
- Insurance: Offers various insurance products and services through its Towne Insurance division.
- Wealth Management: Provides investment advisory and trust services.
Leadership and Structure
G. Robert Aston, Jr. serves as Executive Chairman. William I. Foster, III serves as Chief Executive Officer. The bank operates with a regional president structure and a board of directors overseeing operations.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes. Market share data is not publicly broken down specifically for Towne Bank. Competitors include Truist Financial (TFC), Bank of America (BAC), and Wells Fargo (WFC).
- Residential Mortgages: Offers mortgage loans to individuals. Market share data is difficult to pinpoint exactly to Towne Bank alone. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC), and various regional banks.
- Deposit Accounts: A variety of checking, savings, and money market accounts. Market share data is unavailable, but competitors are national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by interest rate volatility, increasing regulatory scrutiny, and technological disruption. The industry is also experiencing consolidation.
Positioning
Towne Bank is positioned as a community-focused bank with a strong presence in the Mid-Atlantic region. Its competitive advantages include strong local relationships and a diversified business model.
Total Addressable Market (TAM)
The TAM for banking services in Towne Bank's geographic footprint is estimated to be in the billions of dollars. Towne Bank aims to capture a larger share through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Diversified revenue streams
- Experienced management team
- Strong credit quality
Weaknesses
- Limited geographic diversification
- Reliance on interest income
- Smaller scale compared to larger national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Truist Financial (TFC)
- Bank of America (BAC)
- Wells Fargo (WFC)
Competitive Landscape
Towne Bank competes with larger national banks and other regional players. It differentiates itself through its community focus and strong local relationships. Larger banks have greater resources and wider geographic reach, but Towne Bank's local focus can be a strength.
Major Acquisitions
Southern Financial Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 56
- Strategic Rationale: Expanded Towne Bank's presence into eastern North Carolina.
Growth Trajectory and Initiatives
Historical Growth: Towne Bank has experienced growth through organic expansion and acquisitions in the Mid-Atlantic region.
Future Projections: Analyst estimates can be found on financial websites, predicting continued moderate growth.
Recent Initiatives: Recent initiatives include expanding digital banking services and pursuing strategic acquisitions.
Summary
Towne Bank is a regionally focused bank with a solid presence in the Mid-Atlantic region. Its strengths lie in its community-oriented approach and diversified services. While it faces competition from larger national banks, Towne Bank's local expertise provides a competitive edge. Key risks include economic downturns and rising interest rates, requiring careful monitoring and proactive management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Yahoo Finance
- Earnings call transcripts
- Investor presentations
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change. Investment decisions should be made based on individual circumstances and with the guidance of a qualified financial advisor.
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 2704 | Website https://www.townebank.com |
Full time employees 2704 | 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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