Is Towne Bank Stock a Good Investment?
Towne Bank Investment Advice | TOWN |
- Examine Towne Bank's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Towne Bank's leadership team and their track record. Good management can help Towne Bank navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Towne Bank's business and its evolving consumer preferences.
- Compare Towne Bank's performance and market position to its competitors. Analyze how Towne Bank is positioned in terms of product offerings, innovation, and market share.
- Check if Towne Bank pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Towne Bank's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Towne Bank stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Towne Bank is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Modest | 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 |
Examine Towne Bank Stock
Researching Towne Bank's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 57.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.27. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Towne Bank last dividend was issued on the 30th of September 2024. The entity had 103:100 split on the 23rd of May 2012.
To determine if Towne Bank is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Towne Bank's research are outlined below:
| 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 news.google.com: Top 2 Financials Stocks That May Fall Off A Cliff This Quarter - Benzinga |
Towne Bank Quarterly Good Will |
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Towne Bank uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Towne Bank. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Towne Bank's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of April 2024 Upcoming Quarterly Report | View | |
| 25th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 22nd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Towne Bank's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Towne Bank's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2012-01-31 | 2011-12-31 | 0.19 | 0.22 | 0.03 | 15 | ||
2011-10-28 | 2011-09-30 | 0.13 | 0.17 | 0.04 | 30 | ||
2010-01-28 | 2009-12-31 | 0.13 | 0.17 | 0.04 | 30 | ||
2019-04-25 | 2019-03-31 | 0.49 | 0.44 | -0.05 | 10 | ||
2010-11-09 | 2010-09-30 | 0.12 | 0.17 | 0.05 | 41 | ||
2020-01-23 | 2019-12-31 | 0.43 | 0.49 | 0.06 | 13 | ||
2016-04-28 | 2016-03-31 | 0.29 | 0.35 | 0.06 | 20 | ||
2016-01-29 | 2015-12-31 | 0.3 | 0.24 | -0.06 | 20 |
Know Towne Bank's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Towne Bank is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Towne Bank backward and forwards among themselves. Towne Bank's institutional investor refers to the entity that pools money to purchase Towne Bank's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may 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's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.72 B.Market Cap |
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Towne Bank's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.08 | 0.06 |
Determining Towne Bank's profitability involves analyzing its financial statements and using various financial metrics to determine if Towne Bank is a good buy. For example, gross profit margin measures Towne Bank's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Towne Bank's profitability and make more informed investment decisions.
Evaluate Towne Bank's management efficiency
As of the 25th of November 2024, Return On Capital Employed is likely to grow to 0.02, while Return On Tangible Assets are likely to drop 0.01. At this time, Towne Bank's Total Assets are very stable compared to the past year. As of the 25th of November 2024, Other Assets is likely to grow to about 17.9 B, while Total Current Assets are likely to drop about 179.6 M. Towne Bank's management efficiency ratios could be used to measure how well Towne Bank manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 27.54 | 35.43 | |
| Tangible Book Value Per Share | 20.56 | 32.39 | |
| Enterprise Value Over EBITDA | 11.31 | 15.13 | |
| Price Book Value Ratio | 1.09 | 1.63 | |
| Enterprise Value Multiple | 11.31 | 15.13 | |
| Price Fair Value | 1.09 | 1.63 | |
| Enterprise Value | 2.5 B | 2.6 B |
Effective management at Towne Bank has been a driving force behind its market achievements. We assess the correlation between management practices and financial success to determine the stock's value.
Dividend Yield 0.0277 | Forward Dividend Yield 0.0277 | Forward Dividend Rate 1 | Beta 0.907 |
Basic technical analysis of Towne Stock
As of the 25th of November, Towne Bank has the Semi Deviation of 1.43, coefficient of variation of 1218.9, and Risk Adjusted Performance of 0.0693. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Towne Bank, as well as the relationship between them.Towne Bank's Outstanding Corporate Bonds
Towne Bank issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Towne Bank uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Towne bonds can be classified according to their maturity, which is the date when Towne Bank has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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| HSBC Holdings PLC Corp BondUS404280DR76 | View | |
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Understand Towne Bank's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Towne Bank's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0693 | |||
| Market Risk Adjusted Performance | 0.0942 | |||
| Mean Deviation | 1.34 | |||
| Semi Deviation | 1.43 | |||
| Downside Deviation | 1.61 | |||
| Coefficient Of Variation | 1218.9 | |||
| Standard Deviation | 2.11 | |||
| Variance | 4.44 | |||
| Information Ratio | 0.02 | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.17) | |||
| Sortino Ratio | 0.026 | |||
| Treynor Ratio | 0.0842 | |||
| Maximum Drawdown | 15.27 | |||
| Value At Risk | (3.15) | |||
| Potential Upside | 2.32 | |||
| Downside Variance | 2.61 | |||
| Semi Variance | 2.04 | |||
| Expected Short fall | (1.47) | |||
| Skewness | 2.62 | |||
| Kurtosis | 14.24 |
| Risk Adjusted Performance | 0.0693 | |||
| Market Risk Adjusted Performance | 0.0942 | |||
| Mean Deviation | 1.34 | |||
| Semi Deviation | 1.43 | |||
| Downside Deviation | 1.61 | |||
| Coefficient Of Variation | 1218.9 | |||
| Standard Deviation | 2.11 | |||
| Variance | 4.44 | |||
| Information Ratio | 0.02 | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.17) | |||
| Sortino Ratio | 0.026 | |||
| Treynor Ratio | 0.0842 | |||
| Maximum Drawdown | 15.27 | |||
| Value At Risk | (3.15) | |||
| Potential Upside | 2.32 | |||
| Downside Variance | 2.61 | |||
| Semi Variance | 2.04 | |||
| Expected Short fall | (1.47) | |||
| Skewness | 2.62 | |||
| Kurtosis | 14.24 |
Consider Towne Bank's intraday indicators
Towne Bank intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Towne Bank stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Towne Bank time-series forecasting models is one of many Towne Bank's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Towne Bank's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.
Towne Stock media impact
Far too much social signal, news, headlines, and media speculation about Towne Bank that are available to investors today. That information is available publicly through Towne media outlets and privately through word of mouth or via Towne internal channels. However, regardless of the origin, that massive amount of Towne data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Towne Bank news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Towne Bank relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Towne Bank's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Towne Bank alpha.
Towne Bank Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Towne Bank can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Towne Bank Historical Investor Sentiment
Investor biases related to Towne Bank's public news can be used to forecast risks associated with an investment in Towne. The trend in average sentiment can be used to explain how an investor holding Towne can time the market purely based on public headlines and social activities around Towne Bank. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Towne Bank's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Towne Bank and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Towne Bank news discussions. The higher the estimate score, the more favorable the investor's outlook on Towne Bank.
Towne Bank Corporate Executives
Elected by the shareholders, the Towne Bank's board of directors comprises two types of representatives: Towne Bank inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Towne. The board's role is to monitor Towne Bank's management team and ensure that shareholders' interests are well served. Towne Bank's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Towne Bank's outside directors are responsible for providing unbiased perspectives on the board's policies.
| William CPA | Senior CFO | Profile | |
| Lee Clark | Senior COO | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in 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. To learn how to invest in Towne Stock, please use our How to Invest in Towne Bank guide.You can also try the CEOs Directory module to screen CEOs from public companies around the world.
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.
In summary, please note that there is a difference between Towne Bank's value and its price, as these two are different measures arrived at by various 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.