Towne Bank Stock Buy Hold or Sell Recommendation
| TOWN Stock | USD 36.68 0.32 0.86% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Towne Bank is 'Strong Hold'. The recommendation algorithm takes into account all of Towne Bank's available fundamental, technical, and predictive indicators you will find on this site.
Check out Towne Bank Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in Towne Stock, please use our How to Invest in Towne Bank guide. In addition, we conduct extensive research on individual companies such as Towne and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Towne Bank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.
Towne |
Execute Towne Bank Buy or Sell Advice
The Towne recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Towne Bank. Macroaxis does not own or have any residual interests in Towne Bank or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Towne Bank's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Insignificant | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Actively responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Frail | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Towne Bank Trading Alerts and Improvement Suggestions
| Towne Bank has a frail financial position based on the latest SEC disclosures | |
| About 57.0% of the company shares are owned by institutional investors | |
| On 11th of October 2024 Towne Bank paid $ 0.25 per share dividend to its current shareholders | |
| Latest headline from seekingalpha.com: TowneBank declares 0.25 dividend |
Towne Bank Returns Distribution Density
The distribution of Towne Bank's historical returns is an attempt to chart the uncertainty of Towne Bank's future price movements. The chart of the probability distribution of Towne Bank daily returns describes the distribution of returns around its average expected value. We use Towne Bank price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Towne Bank returns is essential to provide solid investment advice for Towne Bank.
| Mean Return | 0.16 | Value At Risk | -3.15 | Potential Upside | 2.32 | Standard Deviation | 2.07 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Towne Bank historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Towne Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument, such as Towne Bank, soars without any apparent reason. This usually happens because many institutional investors are aggressively trading Towne Bank back and forth among themselves. Companies that invest excess capital in these types of assets may also be included in this term and can influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-09-30 | 654.3 K | Arrowstreet Capital Limited Partnership | 2024-06-30 | 650.6 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 560.2 K | Nuveen Asset Management, Llc | 2024-06-30 | 513 K | Ameriprise Financial Inc | 2024-06-30 | 507 K | Bank Of New York Mellon Corp | 2024-06-30 | 504.9 K | Royce & Associates, Lp | 2024-09-30 | 485.8 K | Bank Of America Corp | 2024-06-30 | 356.4 K | Chartwell Investment Partners, Llc | 2024-06-30 | 346.2 K | Vanguard Group Inc | 2024-09-30 | 7.4 M | Blackrock Inc | 2024-06-30 | 5.5 M |
Towne Bank Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (244.1M) | 1.4B | 1.4B | (2.1B) | (24.5M) | (23.2M) | |
| Free Cash Flow | (52.8M) | 82.1M | 487.6M | 363.2M | 117.2M | 87.4M | |
| Other Non Cash Items | (194.1M) | (83.4M) | 168.3M | 270.8M | (38.3M) | (36.4M) | |
| Capital Expenditures | 36.7M | 45.8M | 31.2M | 52.3M | 44.1M | 23.4M | |
| Net Income | 143.7M | 169.4M | 225.0M | 190.5M | 155.1M | 162.9M | |
| End Period Cash Flow | 442.6M | 1.9B | 3.3B | 1.2B | 1.1B | 1.2B | |
| Depreciation | 29.4M | 29.1M | 28.8M | 28.7M | 34.2M | 17.3M | |
| Dividends Paid | 49.4M | 52.2M | 55.3M | 62.8M | 71.4M | 75.0M | |
| Investments | (753.3M) | (1.1B) | (547.4M) | 968K | (350.2M) | (367.7M) | |
| Net Borrowings | (322.4M) | 182.6M | (474.5M) | (18.9M) | (17.0M) | (17.8M) | |
| Change To Netincome | (189.3M) | (71.5M) | 184.1M | 6.7M | 7.7M | 12.5M |
Towne Bank Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Towne Bank or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Towne Bank's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Towne stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.07 | |
β | Beta against Dow Jones | 1.90 | |
σ | Overall volatility | 2.09 | |
Ir | Information ratio | 0.01 |
Towne Bank Volatility Alert
Towne Bank has relatively low volatility with skewness of 2.71 and kurtosis of 15.44. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Towne Bank's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Towne Bank's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Towne Bank Fundamentals Vs Peers
Comparing Towne Bank's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Towne Bank's direct or indirect competition across all of the common fundamentals between Towne Bank and the related equities. This way, we can detect undervalued stocks with similar characteristics as Towne Bank or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Towne Bank's fundamental indicators could also be used in its relative valuation, which is a method of valuing Towne Bank by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Towne Bank to competition |
| Fundamentals | Towne Bank | Peer Average |
| Return On Equity | 0.0723 | -0.31 |
| Return On Asset | 0.0089 | -0.14 |
| Profit Margin | 0.22 % | (1.27) % |
| Operating Margin | 0.30 % | (5.51) % |
| Current Valuation | 2.84 B | 16.62 B |
| Shares Outstanding | 75.15 M | 571.82 M |
| Shares Owned By Insiders | 0.43 % | 10.09 % |
| Shares Owned By Institutions | 57.41 % | 39.21 % |
| Number Of Shares Shorted | 522.41 K | 4.71 M |
| Price To Earning | 12.43 X | 28.72 X |
| Price To Book | 1.28 X | 9.51 X |
| Price To Sales | 4.10 X | 11.42 X |
| Revenue | 675.44 M | 9.43 B |
| Gross Profit | 677.14 M | 27.38 B |
| EBITDA | 220.44 M | 3.9 B |
| Net Income | 155.14 M | 570.98 M |
| Cash And Equivalents | 109.98 M | 2.7 B |
| Cash Per Share | 1.53 X | 5.01 X |
| Total Debt | 459.75 M | 5.32 B |
| Debt To Equity | 0.05 % | 48.70 % |
| Book Value Per Share | 29.00 X | 1.93 K |
| Cash Flow From Operations | 161.3 M | 971.22 M |
| Short Ratio | 1.98 X | 4.00 X |
| Earnings Per Share | 2.00 X | 3.12 X |
| Target Price | 38.0 | |
| Number Of Employees | 2.72 K | 18.84 K |
| Beta | 0.91 | -0.15 |
| Market Capitalization | 2.76 B | 19.03 B |
| Total Asset | 16.84 B | 29.47 B |
| Retained Earnings | 921.13 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 2.61 % | |
| Net Asset | 16.84 B |
Towne Bank Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Towne . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Towne Bank Buy or Sell Advice
When is the right time to buy or sell Towne Bank? Buying financial instruments such as Towne Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having Towne Bank in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Check out Towne Bank Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in Towne Stock, please use our How to Invest in Towne Bank guide.You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Towne Bank. If investors know Towne will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Towne Bank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.05) | Dividend Share 1 | Earnings Share 2 | Revenue Per Share 8.973 | Quarterly Revenue Growth 0.022 |
The market value of Towne Bank is measured differently than its book value, which is the value of Towne that is recorded on the company's balance sheet. Investors also form their own opinion of Towne Bank's value that differs from its market value or its book value, called intrinsic value, which is Towne Bank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Towne Bank's market value can be influenced by many factors that don't directly affect Towne Bank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Towne Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if Towne Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Towne Bank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.