TowneBank Common Stock (TOWN)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank first as a balance-sheet business, and TowneBank’s data give me a mixed picture. At the 2026-10-13 close of $34.92, the market values it at $3.2B, or 1.06 times book value, with a FairStock-calculated P/E of 17.55 and ROE of 12.22%. That is not a bargain-bin valuation, but it is not demanding either. The 3.15% dividend and beta of 0.73 suggest a steadier holding than many financials. The latest filed quarter, fiscal Q1 2026, showed $246.4M of revenue, $41.0M of net income, and a 16.63% margin. However, the supplied growth figures show revenue up 34.60% but profit down 6.22%, so the top line is not flowing cleanly to the bottom line. A Piotroski F-Score of 2/9 is weak, and the FairStock Score of 49/100 tells me the numbers are middling. The Lynch category is none because only 0 years of filed results are available, needing three. As a bank, it should be judged on ROE, price-to-book, earnings consistency, leverage, and credit. Here, ROE is respectable, price-to-book is near book, but I cannot see CET1, net interest margin, or credit/underwriting data such as nonperforming loans or provisions. The insurance segment’s combined ratio is also absent. So I would call this a fair-priced regional bank with an unproven moat and unclear credit quality. I would need consistent earnings and better balance-sheet disclosure before calling it a compelling value.

In plain English: TowneBank is a regional bank that takes deposits, makes loans, and also offers mortgage, insurance, and vacation resort services. It is profitable and pays a 3.15% dividend, but profit fell in the latest figures and the quality score is weak. At $34.92, the price looks about in line with its book value rather than clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer