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Hampton Roads, Virginia community bank offering commercial banking alongside insurance, real estate and wealth services.
Hampton Roads, Virginia community bank offering commercial banking alongside insurance, real estate and wealth services.
Earns from the gap between loan interest and deposit costs, plus fees from mortgage banking, insurance commissions and real estate services, which diversify it across rate cycles. It was founded in 1999 and grew by opening branches and by acquisitions in Virginia and North Carolina.
Moat: narrow (scale, distribution). Dense local branch network and diversified insurance/real estate cross-sell in its home market.
Headquarters: Suffolk, Virginia, US · Founded: 1999 · Employees: 2,976
Size TowneBank (TOWN) is a United States Financials company (Regional Banks) with a market value of $3.36B, the 1470th largest of 3,117 United States companies the cockpit tracks. Shares closed at $36.39 on 6 Nov 2026.
Performance Over six months the shares gained 4.0%, against +1.0% for the median peer and -1.1% for the United States market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 35.8% over the last twelve months (peer median +1.3%); the operating margin is 47.8% (peer median 36.4%).
Valuation It trades at 1.08× book value against a peer median of 1.10× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 9.0%; TowneBank delivers 12.9%, so the price asks less than the business earns today.
Short interest Short interest is 3.0% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.46B | $1.12B | $1.02B | $940M | $746M |
| Revenue growth | — | +9% | +8% | +26% | — |
| Net income | $357M | $170M | $161M | $154M | $189M |
| Free cash flow | n/a | $212M | $81.1M | $117M | $363M |
| Capital expenditure | n/a | $49.8M | $56.6M | $44.1M | $52.3M |
| Total debt | $359M | $421M | $349M | $575M | $400M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| TowneBank TOWN | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% |
| Atlantic Union Bankshares AUB | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% |
| Truist Financial TFC | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% |
| Burke Herbert Financial Services BHRB | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% |
| C&F Financial CFFI | $342M | +41% | +8% | 12% | 1.27× | 7.6% |
| First Bancorp FBNC | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | TOWN | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.2% | +0.8% | 8th highest of 21 |
| 6-month return | +4.0% | +1.0% | 7th highest of 21 |
| Return on equity | 12.9% | 8.7% | 4th highest of 21 |
| Price / book | 1.08× | 1.10× | 10th cheapest of 21 |
| Trailing P/E | 9.2× | 11.6× | 3rd cheapest of 19 |
| ROE the price implies | 9.0% | 8.6% | 10th least demanding of 19 |
| ROE delivered | 12.9% | 8.8% | 4th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |