Towne Bank Stock Piotroski F Score

TOWN Stock  USD 36.13  0.82  2.32%   
This module uses fundamental data of Towne Bank to approximate its Piotroski F score. Towne Bank F Score is determined by combining nine binary scores representing 3 distinct fundamental categories of Towne Bank. These three categories are profitability, efficiency, and funding. Some research analysts and sophisticated value traders use Piotroski F Score to find opportunities outside of the conventional market and financial statement analysis.They believe that some of the new information about Towne Bank financial position does not get reflected in the current market share price suggesting a possibility of arbitrage. Check out Towne Bank Altman Z Score, Towne Bank Correlation, Towne Bank Valuation, as well as analyze Towne Bank Alpha and Beta and Towne Bank Hype Analysis.
To learn how to invest in Towne Stock, please use our How to Invest in Towne Bank guide.
  
At this time, Towne Bank's Short and Long Term Debt Total is very stable compared to the past year. As of the 25th of November 2024, Long Term Debt is likely to grow to about 507.3 M, though Net Debt is likely to grow to (604 M). At this time, Towne Bank's Net Income Per Share is very stable compared to the past year. As of the 25th of November 2024, Sales General And Administrative To Revenue is likely to grow to 0.50, while Dividend Yield is likely to drop 0.02.
At this time, it appears that Towne Bank's Piotroski F Score is Frail. Although some professional money managers and academia have recently criticized Piotroski F-Score model, we still consider it an effective method of predicting the state of the financial strength of any organization that is not predisposed to accounting gimmicks and manipulations. Using this score on the criteria to originate an efficient long-term portfolio can help investors filter out the purely speculative stocks or equities playing fundamental games by manipulating their earnings..
3.0
Piotroski F Score - Frail
Current Return On Assets

Positive

Focus
Change in Return on Assets

Decreased

Focus
Cash Flow Return on Assets

Positive

Focus
Current Quality of Earnings (accrual)

Decreasing

Focus
Asset Turnover Growth

Decrease

Focus
Current Ratio Change

Decrease

Focus
Long Term Debt Over Assets Change

Higher Leverage

Focus
Change In Outstending Shares

Decrease

Focus
Change in Gross Margin

No Change

Focus

Towne Bank Piotroski F Score Drivers

The critical factor to consider when applying the Piotroski F Score to Towne Bank is to make sure Towne is not a subject of accounting manipulations and runs a healthy internal audit department. So, if Towne Bank's auditors report directly to the board (not management), the managers will be reluctant to manipulate simply due to the fear of punishment. On the other hand, the auditors will be free to investigate the ledgers properly because they know that the board has their back. Below are the main accounts that are used in the Piotroski F Score model. By analyzing the historical trends of the mains drivers, investors can determine if Towne Bank's financial numbers are properly reported.
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00710.0091
Significantly Down
Slightly volatile
Asset Turnover0.0360.0401
Moderately Down
Very volatile
Gross Profit Margin0.951.394
Way Down
Slightly volatile
Total Current Liabilities11.7 B11.1 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total1.5 B1.4 B
Sufficiently Up
Slightly volatile
Total Assets17.7 B16.8 B
Sufficiently Up
Slightly volatile
Total Current Assets179.6 M189 M
Notably Down
Pretty Stable

Towne Bank F Score Driver Matrix

One of the toughest challenges investors face today is learning how to quickly synthesize historical financial statements and information provided by the company, SEC reporting, and various external parties in order to project the various growth rates. Understanding the correlation between Towne Bank's different financial indicators related to revenue, expenses, operating profit, and net earnings helps investors identify and prioritize their investing strategies towards Towne Bank in a much-optimized way.

About Towne Bank Piotroski F Score

F-Score is one of many stock grading techniques developed by Joseph Piotroski, a professor of accounting at the Stanford University Graduate School of Business. It was published in 2002 under the paper titled Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers. Piotroski F Score is based on binary analysis strategy in which stocks are given one point for passing 9 very simple fundamental tests, and zero point otherwise. According to Mr. Piotroski's analysis, his F-Score binary model can help to predict the performance of low price-to-book stocks.

Book Value Per Share

35.43

At this time, Towne Bank's Book Value Per Share is very stable compared to the past year.

About Towne Bank Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Towne Bank's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Towne Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Towne Bank based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.

Pair Trading with Towne Bank

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Towne Bank position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Towne Bank will appreciate offsetting losses from the drop in the long position's value.

Moving together with Towne Stock

  0.83AX Axos FinancialPairCorr
  0.78BY Byline Bancorp Fiscal Year End 23rd of January 2025 PairCorr
  0.8PB Prosperity Bancshares Fiscal Year End 22nd of January 2025 PairCorr

Moving against Towne Stock

  0.33CFG-PE Citizens FinancialPairCorr
The ability to find closely correlated positions to Towne Bank could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Towne Bank when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Towne Bank - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Towne Bank to buy it.
The correlation of Towne Bank is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Towne Bank moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Towne Bank moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Towne Bank can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Towne Bank offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Towne Bank's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Towne Bank Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Towne Bank Stock:
Check out Towne Bank Altman Z Score, Towne Bank Correlation, Towne Bank Valuation, as well as analyze Towne Bank Alpha and Beta and Towne Bank Hype Analysis.
To learn how to invest in Towne Stock, please use our How to Invest in Towne Bank guide.
You can also try the Equity Analysis module to research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities.
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.